Know What's in the HOA Documents Before You Buy
Special assessments, rental restrictions, underfunded reserves. GoverningDocs finds them in minutes. So you don't find them after closing.
First full property report free with sign-up · $39 each after · No subscription
The GoverningDocs HOA Health Grade
Proceed with Caution
Significant concern
Insurance premiums increased 43% in one year
Source: Insurance policy
Significant concern
No annual assessment increase cap in CC&Rs
Source: CC&Rs
Get Your Free CC&R Analysis
Upload your CC&R document and get a comprehensive AI-powered analysis in minutes. Discover red flags, restrictions, and key insights before you buy.
- Identifies rental restrictions & caps
- Flags pending litigation & special assessments
- Highlights architectural restrictions
- Summarizes key buyer concerns
Hundreds of pages, and only days to read them
The seller hands you 200 to 400 pages of HOA documents, and your contingency window is often 7 to 14 days. Reading them properly takes 4 to 8 hours; an attorney review typically costs $300 to $1,500. One missed red flag can cost $10,000 to $100,000 or more after closing.
Every full report gives you a grade, five key numbers, and a financing checklist
The GoverningDocs HOA Health Grade (A to F)
Our composite verdict for the property. Distills the five numbers plus governance and legal signals into one letter.
The GoverningDocs 5-Number HOA Health Check
Percent funded, delinquency rate, reserve contribution, single-entity ownership, insurance sufficiency. Fail any one and financing gets harder.
The Warrantability Checklist
Fannie Mae's six criteria that govern conventional financing for any condo building.
Also in every full report
- Reports on each document type: CC&Rs, bylaws, budgets, reserve study, meeting minutes, insurance and more
- Plain-English answers to follow-up questions, with document citations
- A timeline of meetings, votes and assessments
- A shareable report for your agent or attorney
Every finding links to the document and page it came from.
How GoverningDocs works
- 1.
Upload your documents. CC&Rs, budgets, meeting minutes, reserve studies and more, as PDFs.
- 2.
GoverningDocs reads them. It sorts the documents, pulls out the key numbers, and checks them against each other.
- 3.
Get your report. Reserve health, rental rules, assessments and financing, each finding cited to its page, plus answers to your follow-up questions.
3 Free Tools, No Account Needed
Plus your first full property analysis is free when you sign up. See what you'll get →
CC&R Analysis
Catch rental restrictions, special assessments, and architectural rules in your CC&Rs
Analyze CC&RReserve Study Analysis
Check funding gaps, deferred maintenance, and special assessment risk
Analyze Reserve StudyMeeting Minutes Analysis
Spot red flags, litigation trends, and financial warning signs across meetings
Analyze MinutesFor buyers and the agents advising them
Homebuyers: Understand your HOA before you buy
- Plain-English explanations, no legal jargon
- Spot hidden fees, special assessments, and restrictions
- Verify every finding with page-specific source citations
Investors: Evaluate properties like a pro
- Detect rental caps and restriction policies automatically
- Check reserve fund adequacy and assessment risk
- Analyze meeting minutes for financial red flags
Real estate agents: Give your clients the full picture
- Catch risks before your client does
- Share source-cited reports they can trust
- Stand out as the agent who does thorough due diligence
Check your HOA packet for these documents
- CC&Rs (Covenants, Conditions & Restrictions)
- Bylaws & Amendments
- Annual Meeting Minutes
- Board Meeting Minutes
- Budgets
- Reserve Studies
- Insurance Declarations
- Financial Statements
Know What You're Buying Into
Start with a free CC&R, reserve study, or meeting minutes analysis. No account needed. Your first full property report is free with sign-up, then $39 each. No subscription.