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you designate an MPOE (minimum point of entry) and then have cabling/conduit installed from the MPOE to units/residences/NIDs. then your HOA owns the "inside wiring" and, with the right amount of lawyer magic, each unit can own/control the destiny of the cable/wire/conduit that goes from the MPOE to them.

then the real trick is getting the ISP you want to play ball. I know of a few instances where Comcast just won't entertain the setup whatsoever. Unfortunately, in telecommunications, largess is the name of the game...

Awesome, thanks for giving me the term to further research.

There is at least one other ISP that doesn't have access to the property plus in theory Google Fiber should be coming to town (PDX) so I expect this issue is going to become more pressing.

It's done in my building. Gigabit Ethernet is run to each unit. The ISP (Comcast or Webpass) will then hook up the correct wires that are in the basement.

Isn't it just connecting a coax cable to the wires underground?

Not for Fiber