Comment Conduit, not cable (Score 1) 324
You will likely have to chip in something to get work done, but I suggest approaching multiple carriers and see if they will run cable through your HOA's in-ground conduit if you installed it. That way, the cost of running the cable for each provider is significantly lower and your HOA can more easily choose between any participating carrier. It may not solve the issue of having a hub or other multiplexing devices in your immediate area, but it does lower the barrier a good amount.
In the future if/when Google or other fiber solutions come to your area, having conduit with plenty of room for the new cables makes it a lot more attractive for them to take care of you.