re: Should I buy a drone?

They could face big Penalties for That.

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While I'm all for private drone use, this is where I draw the line. There is a state statue in regards to flying drones over private property without permission. I'd also find out who within the HOA is flying the drone and report them to the FAA. Since its used for business purposes, they have to have a part 107 drone license.

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There’s no business activity taking place if it’s the HOA conducting surveillance within their own airspace.

Fly over my house and I will shoot you down.

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Would I need a license?

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If you charge for your service OR trade goods for service OR if your business benefits from it in any way, then yes, you need an FAA Part 107 Remote Pilot Certificate.

Example: If you're a Real Estate agent who owns your own drone and uses it to market a listing, you need a license. If you're a construction company and use it to inspect a project, you need a license. If someone gives you football tickets in exchange for your drone services, you need a license. If you use it to make a little spending cash on the side, you need a license. The FAA makes no distinction and sets no minimum income level relative to drone activities when setting the regulations. "Shade Tree" operators who charge clients are NOT exempt from the Part 107 rule.