Reserves & planning
Roof Replacement Financing for HOAs: How Boards Pay for a New Roof
How an HOA can pay for a roof replacement with an association loan: pricing from bids, the reserve study, loan structure, documents and when to start.
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Reserves & planning
Reserves & planningFinancing Building Envelope and Facade Projects
Building envelope financing for HOA associations covers windows, sealants, expansion joints, and waterproofing on mid-rise and high-rise condos. The construction timeline runs 18 to 24 months. Here is what the scope covers, what lenders scrutinize, and the four questions boards ask most often.
Reserves & planningWhy Every HOA Should Run This One Spreadsheet Before a Capital Project
We ask every board to build one specific spreadsheet before a capital project vote: a 24-month monthly cash flow projection across three scenarios, special assessment, loan, and no action. This post explains what each row tracks, why the exercise ends arguments, and how to build it in under two hours.
Reserves & planningWhat Reserve Studies Reveal Before an HOA Loan Closes
What a reserve study shows a lender before an HOA loan closes: why its cost estimates age, how funded percentage differs from component condition, and what a board should do before it applies.
Reserves & planningCounting the True Cost: Delaying Capital Improvements in the Age of Inflation
Deferring maintenance can cost your homeowners or condo association dearly. With an HOA loan, you can get ahead of rising interest rates, construction costs, and labor increases.
Reserves & planningWhy Your HOA Reserve Funds Matter More Than You Think
Your HOA's reserve funds are the financial backbone of your community. Learn about the importance of reserve studies and the value of proper budgeting.
Reserves & planning5 Common Capital Improvement Projects for HOAs and How to Finance Them
Is a new roof a capital improvement project? Learn about common capital improvement projects and how an HOA loan can help finance them.
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.