You might try Decisionlayer.ai

We built a way to make contracts enforceable and resolve disputes without the high cost of litigation. Specifically, by adding our arbitration clause to your contracts or using our "case by consent" you can get AI driven court-enforceable arbitration decisions in 7 days for a $500 flat fee - no lawyers required. This compares to the $30k or $40k you would otherwise spend on a lawyer+ JAMS/AAA arbitration fees. For your HOA, I suspect the case by consent would be the best approach - two parties come to the website, both agree to use DecisionLayer to resolve the dispute and then present the issue and each side's argument.

We have free case simulator on our site. Check it out at https://www.decisionlayer.ai/simulate