Resources Archive - Association Reserves

Article

Alternative Funding Options for HOAs: Loans and Lines of Credit

For homeowners' associations (HOAs), unexpected financial challenges can arise, whether due to urgent repairs, underfunded reserves, or unforeseen emergencies. Having a well-funded reserve account provides the strongest starting point to face such expenses, yet many un-prepared or under-prepared associations find themselves facing significant funding gaps. In such situations, alternative funding options, like loans and lines of credit, can provide a lifeline.

Article

Three Quarters of Association-Governed Communities are Underfunded – What That Means for You

Across the US, most communities face the hard truth of underfunded reserves. Learn what that means for your association.

Article

Handling Aging Infrastructure: Reserve Planning for Older Communities

As communities grow older, so do their essential components—roofs, roads, plumbing systems, and other critical infrastructure. For homeowners' associations (HOAs) managing older properties, aging infrastructure poses unique challenges that require strategic planning and decisive action. Ignoring these issues worsens the problem, leading to more costly repairs and potential safety concerns. Reserve planning tailored to older communities can help break this cycle, ensuring the long-term stability and sustainability of these neighborhoods.

Article

Building Trust in Your Reserve Study: Engaging Reluctant Homeowners

A reserve study is a cornerstone of financial stability for any homeowners' association (HOA). It provides the community with a roadmap for maintaining shared assets and avoiding financial crises. Yet, many boards face resistance from homeowners who are skeptical of the reserve planning process. Whether it’s confusion about how reserve studies work, concerns about increased assessments, or doubts about the board’s financial management, building trust is essential to overcoming these challenges.

eBook

Building a Better Tomorrow Using Reserves

HOA boards can’t stop time, but they can prepare for it. A well-executed reserve study isn’t just about numbers—it’s about protecting property values, avoiding costly surprises, and building a stronger future for your community. Learn the three essential steps to effective reserve planning and why it’s more than just a spreadsheet—it’s a mindset.

Article

Inflation and Reserves Planning: Adjusting to Rising Costs

Inflation is an economic force that affects everything, from household expenses to the long-term financial planning of homeowners associations (HOAs). For HOAs, reserve planning is particularly vulnerable to inflationary pressures, as rising costs for materials, labor, and services directly impact the ability to fund major projects. A $50,000 roof replacement planned a decade ago might now cost $75,000—or more. Without a proactive approach, inflation can create funding shortfalls that leave associations scrambling to make up the difference. This article explores how inflation influences reserve planning, addresses common misconceptions, and offers strategies for adapting to rising costs while maintaining financial stability.

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