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Illustrative architecture. Not the subject property.

Reserve planning for HOA and condominium boards

Financing stalled? Study questioned? Board deadline coming?

Start with what you already have. Check where your association stands on the ten Fannie Mae project criteria lenders use, and see what needs attention first, before you buy more work than you need.

Check your association's financing standing

No cost. No sales call.

Already have a reserve study? Check your current reserve study
  • Ten lender criteria
  • About 3 minutes
  • No account

Lender rule dates

  1. Reserve allocation threshold rises from 10% to 15%
  2. Baseline funding no longer accepted for the reserve-study exception
Check your budget against the 15% rule
Standing CheckSample result · illustrative
  • Reserve allocationGap
  • DelinquencyClear
  • Critical repairsClear
  • LitigationClear
Plus 6 more lender criteria. About 3 minutes. A dated result you can hand to your board.

Start with the problem

Which one fits your board?

Reserve-allocation calculator

How does our annual allocation compare?

Compare two annual budget lines with the lender allocation tests. This does not measure reserve adequacy or establish loan eligibility.

Compare your budget Standing Check

A buyer's loan stalled

Screen the ten lender criteria using the facts you enter. See gaps and unknowns before the lender conversation. This is not lender approval or an issued reserve study.

Check your association's financing standing

No cost. No sales call.

Study Check

We have a study and aren't sure it holds up

Review what the existing document appears to support and what is missing. Study Check does not update the study, verify property condition or determine financing eligibility.

Check your current reserve study

No cost. No sales call.

Full Reserve Study or Reserve Study Update

We know we need a study

Request a scope directly. An Update needs a qualifying prior baseline; a Full Reserve Study fits when the record cannot support one. We confirm the supported scope before quoting.

Get a quote

After the study

Your study was right the day it was finished. Then the roof got done.

Projects get completed. Bids come in. Costs and timing change. Live Reserve Service keeps your reserve plan current as that happens, without rewriting the study you have. Availability, scope, and terms are confirmed before any ongoing service begins.

  • Your finished study, unchanged
  • Completed projects, recorded after review
  • What needs attention next
  • The next full study, kept in view
See how staying current works
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Your reserve plan Illustrative
Finished studyUnchanged
Completed projectsRecorded
Next decisionIn view
Contemporary multi-unit residences
Illustrative architecture. Not the subject property.

For boards and managers

Get to the board meeting with a plan people can understand.

Whether the trigger is an auditor, lender, budget cycle, completed project, or an old reserve study, the goal is the same: turn the available record into a clear decision and next action.

  • Use existing documents before asking for more.
  • Keep missing information visible instead of guessing.
  • Make the board decision easier to explain.
Find the answer you need

What you can count on

Your board needs clear answers, dependable work and a plan that respects your association’s time and budget.

  • Capability

    Professional judgment backed by a tested model, so the work is done right.

  • Clarity

    Plain-language results, with every assumption shown and the next step spelled out.

  • Confidence

    Numbers your board can rely on and explain to owners, lenders and buyers.

  • Caring

    Your association’s time, budget and goals come first.

Not sure where to start?

Tell us what problem your board is trying to solve.

Choose the route that answers your question. If professional reserve work is already needed, request a scope directly. Availability, professional capacity, scope, and fees are confirmed before an engagement is offered.

Choose your next stepGet a reserve study quote
A Check does not create an account, charge, or purchase.