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Loans vs assessments

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  • Loans vs assessments

    How Property Managers Can Use HOA Lending to Win Boards

    Board retention comes down to who solved the last hard problem. When a reserve study lands badly, a special assessment gets voted down, or an insurance claim leaves a six-figure gap, the property manager who introduces a financing path wins the account. Doing that without stepping into a fiduciary role requires a specific framing. Here are the three moments to bring lending up, the language to use, and how our client portal keeps the paperwork off your desk.

    Ben Kirschner ·

  • Loans vs assessments

    Why HOA Boards Should Stop Saying 'We'll Just Do a Special Assessment'

    A provocative shareable take on the HOA special assessment vs loan decision. The phrase 'we'll just do a special assessment' is usually a tell that the board has not run the math, has not surveyed owners, and has not modeled the long-term consequence. This post walks through what the phrase actually means in practice, the math nobody ran on a typical $1.5M building envelope project, and the equity question current owners owe future ones. Ends with the exact line every board should put in their minutes.

    Ben Kirschner ·

  • Loans vs assessments

    The Real Cost of a Special Assessment vs an HOA Loan

    A take piece on special assessment vs HOA loan choices. Boards default to the special assessment because it feels responsible. The math tells a different story, and the equity argument is stronger than most boards realize.

    Larry Kirschner ·

Free guide

A Board Member’s Guide to HOA Loans

A walkthrough of qualifying, approvals, and structuring a loan: everything a board needs before the first lender conversation.

Download the guide