HOA loans and lines of credit can help associations fund major repairs when reserves are insufficient, but borrowing comes with a huge cost and governance considerations. Learn how boards can evaluate financing responsibly alongside reserve funding and special assessments.
Association Reserves analyzed more than 100,000 reserve studies prepared across all 50 states and found that 74% fell below the strong Percent Funded range. Learn how Percent Funded is calculated, what low reserves can mean, and how boards can improve reserve fund strength.
Older communities face rising repair costs as roofs, roads, plumbing, and structural systems age. Learn how reserve studies, structural assessments, and realistic funding plans can help HOAs manage aging infrastructure and avoid costly deferred maintenance.
Homeowners often resist reserve funding because of cost concerns, mistrust, or confusion about how reserve studies work. Learn how HOA boards can explain reserve planning clearly, address objections, improve transparency, and build long-term homeowner trust.
Inflation can increase the cost of roofing, pavement, elevators, mechanical systems, and other HOA reserve projects. Learn how updated reserve studies, realistic cost assumptions, and gradual reserve funding adjustments help associations prepare for rising costs.
New HOA board members need a clear foundation in reserve studies, funding goals, governing documents, maintenance planning, and fiduciary responsibility. Use these strategies to build confident, informed board leaders who can make better long-term financial decisions.
