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eBooks, Articles, & More

Florida condominium building requiring structural integrity reserve study
  • Article

Fannie, Freddie, and Florida: The New Lending Reality

Reserve planning for Florida condos now means satisfying two sets of standards — state law and Fannie Mae's lending guidelines. Here's how to navigate both.
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Deteriorated condominium building compared to a well-maintained community property, illustrating how smart reserve planning helps prevent catastrophic failures.
  • Article

Avoiding Catastrophic Failures Through Smart Reserve Planning

Catastrophic building failures rarely happen without warning. Learn how reserve studies, structural inspections, and proper funding help communities avoid costly emergencies.
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  • Article

Fannie Mae and Freddie Mac Higher Minimum Reserve Funding Standards – What Does it Mean for our Association?

New Fannie Mae and Freddie Mac requirements, effective March 2026, raise minimum reserve funding for condo associations from 10% to 15% of total budget — but most won't notice the change.
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  • Article

The True Cost of Deferred Maintenance – And How to Avoid It

Understanding the true cost of deferred maintenance — and how proactive reserve planning prevents it — is essential for associations that want long-term stability rather than recurring crises.
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  • Article

Preventive Maintenance Planning: Incorporating It into Reserve Studies

Preventive maintenance is the backbone of effective community asset management. It’s about addressing small issues before they turn into significant, costly problems. For homeowners associations (HOAs), incorporating preventive maintenance into reserve planning can make a dramatic difference by reducing costs, extending asset lifespan, and supporting financial stability.
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  • 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.
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