Reserve study guides, state-compliance walkthroughs, and product notes.

Plain-English answers to the questions HOA boards, property managers, and reserve specialists ask in practice — statute changes, funding-strategy tradeoffs, cost ranges, and the math behind every funding plan. No email gates.

Latest posts

• [01] Florida SIRS Compliance Guide (2026) HB 913, the 8 required components, and the Dec 31, 2025 deadline — for condo boards going into 2026. COMPLIANCE · May 27, 2026
• [02] Reserve study cost in 2026 National ranges, state premiums, and the SIRS surcharge — what your study should actually cost. COST GUIDE · May 27, 2026
• [03] NRSS Level I, II, III explained Level I (full + site visit), II (update + site visit), III (desktop) — and how to pick. STANDARDS EXPLAINER · May 27, 2026
• [04] Davis-Stirling §5570 explained The Reserve Funding Disclosure Summary, line by line — for California boards going into the 2026 budget cycle. CALIFORNIA COMPLIANCE · May 27, 2026
• [05] Funding strategies compared Recommended vs Threshold vs Baseline — with worked numbers for a sample 80-unit CA association. FUNDING STRATEGY · May 27, 2026
• [06] Reserve study PDFs that get read Typography, exec summary patterns, and the case for color-coded variance flags. DELIVERABLE DESIGN · May 27, 2026
• [07] What is percent funded? The formula, the four funded zones, and the common miscomputations that misstate it by 30 to 50 percentage points. RESERVE STUDY METRICS · May 29, 2026
• [08] Underfunded HOA — how to climb out What underfunded actually means, the four levers to climb out, and a worked 10-year ramp from 30 to 70 percent. FUNDING STRATEGY · May 29, 2026
• [09] How often — state cycles + triggers Every state's cycle requirement, the NRSS Level I/II/III cadence, and the five triggers for an interim study. RESERVE STUDY CADENCE · May 29, 2026

In the works

• [10] Migrating from other reserve study software — CSV import workflow, engine-math sanity checks, first-property test plan.
• [11] Reading a reserve study cash-flow projection — how to interpret the year-by-year balance trajectory and spot the stress years.
• [12] Per-property overage billing — how property counts roll into Stripe invoices and how to read the next bill.