(LA Times) — For those who have a lot of cash or can get credit, this could be an ideal time to buy a house — the foreclosure crisis has pushed prices down and interest rates are way low. But beware if you are looking to buy a condominium, co-op, town house or other property that’s part of a homeownership group. Another side effect of the foreclosure crisis is that you could end up responsible for some of your neighbors’ bills. That’s because people in shared ownership communities chip in to pay the cost of maintaining the buildings and amenities such as swimming pools. Also, the funds, usually paid in monthly installments, are often used to pay for landscaping, as well as to insure the structures.