And there's at least one unit with 7 people jammed into it...

And that guy fucking shot someone

It's not like they have another home somewhere, most likely they sold everything they owned to move there.

Those are not millionaires, they're nutjobs almost guaranteed to be in massive credit card debt, because they think society will collapse before they have to pay it.

On a side note:

99 year lease apocalypse bunkers is a wild idea, like if the apocalypse happens in 2035, are they kicking people's grandkids out 89 years into the apocalypse?

Do they expect people to keep paying during the apocalypse?

How don't they see the bunkers turning on each other a generation in when some already have 7 people living in a single unit?

Like...

These communities are going to be the worst places to ride out an apocalypse, because you're surrounding by crazy people almost guaranteed to be armed to the teeth with bad critical thinking skills.

If you want to be safe after societal collapse, you need to either be alone or with a very small group of handpicked people. A gated community of strangers would go madmax almost immediately, and everyone assumes they'll be the warlord taking command.

It's a recipe for disaster.