I made no such generalization you took offense to an "imaginary" generalization.
It is far less a "gamble" when you have Doctors, Lawyers, Business owners, School Superintendents living around you instead of some Billy-Bob Assbag, or Thug etc. add infinitum.
It is hard to build out here, you must go through an extensive pre-approval process, meet all the Architectural Control Committees demands, and be a member of the HOAA. The security guards will eventually have police powers, and will be able to levy enforceable fines against those who choose to break the covenants and deed restrictions. If someone chooses to continue to violate the restrictions then the HOAA will file suit against them, obtain a judgment and they will be forced to sale their home.
This is a master planned community if act like an ass and directly affect you the other homer owners well being you well be thrown out period end of sentence.
With a strong HOOA and Deed restrictions that you must sign and agree to in closing the rules are binding. There is no gamble it will simply be tough luck for anyone who consistently and flagrantly chooses to break the rules.
This not a "suburb" it is a master planned private 3600 acre Golf community.
P.S. Sorry you hood sucks.