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eBooks, Articles, & More

HOA board members discussing financing options for a major community repair project
  • Article

Alternative Funding Options: HOA Loans and Lines of Credit

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.
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  • Article

74% of Association-Governed Communities are Underfunded: What That Means for You

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.
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Aging HOA infrastructure showing the need for long-term reserve planning and major repair preparation
  • Article

Handling Aging Infrastructure: Reserve Planning for Older Communities

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.
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HOA board and homeowners discussing a reserve study and community funding plan
  • Article

Building Trust in Your Reserve Study: How to Engage Reluctant Homeowners

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.
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  • 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.
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Inflation chart representing rising HOA reserve project and construction costs
  • Article

HOA Inflation & Reserve Planning: How to Prepare for Rising Costs

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.
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