BC Bill 44 voided rental + sub-55+ age bylaws Nov 24, 2022. 22 of 24 strata fines struck down in 2024. What buyers must scrutinize (1,900+ docs analyzed).
10-day delivery required in WA, CA, FL, TX, NV, AZ, MA, and GA. Most states give buyers a statutory right to HOA docs pre-offer (1,900+ docs analyzed).
Florida's biggest HOA reform bill died in Senate Rules on March 13, 2026. No dissolution process, no community court, no Kaufman mandate. What buyers do now.
Condo master policy premiums up 102% in 3 years. Over 1,400 FL buildings blacklisted by Fannie Mae. How insurance now decides whether you get a mortgage.
Median condo HOA fees hit $420/month in 2026, up 29% since 2019. Every $100/month removes $16K in purchasing power. What buyers must check before closing.
74% of HOAs are underfunded per Association Reserves. $5K–$400K per unit at risk. Five document patterns predict special assessments before they're announced.
10,850+ WA communities must comply with WUCIOA by Jan 2028. Buyers get 26-item resale certificates and 5-day cancel rights (1,900+ HOA docs analyzed).
900,000 FL condo units face milestone inspections. Failures trigger $134K-$400K assessments per unit. Deadlines and what buyers must check (1,900+ docs).
SB 326 balcony inspections are triggering $40K-$175K assessments per unit across California condos. What buyers must check before closing (based on 1,900+ HOA documents).
93.5% of US condos lack FHA approval. 8 red flags in HOA documents that block government-backed condo loans. What to check and workarounds (1,900+ documents analyzed).
5 numbers predict HOA financial health. 70%+ of associations are underfunded. How to evaluate reserves, assessments, and delinquency before buying (1,900+ docs analyzed).
Over 70% of HOAs are underfunded. New 15% reserve rule hits Jan 2027. Low fees hide deferred maintenance and six-figure assessments (1,900+ docs).
GPT-4 hallucinates on 58% of legal questions (Stanford, 2024). No page citations, no coverage tracking. Why purpose-built tools beat chatbots for HOA docs.
Georgia SB 406 affects 2.3M residents in 11,200+ HOA communities. Registration, foreclosure limits, 10-year records. What buyers must check before Jan 1, 2027.
15% delinquency = no conventional mortgage. 1,438 FL buildings already ineligible. How to check before you buy (based on 1,900+ HOA documents).
Special assessments of $20K-$100K+ are hitting buyers at closing. Who pays depends on your state and contract. State-by-state rules (based on 1,900+ HOA documents).
Condo prices down 6% while houses rise. 90%+ of South FL condos sell below asking. How to tell if a discount is a deal or a trap (based on 1,900+ HOA documents).
HOAs can change rental rules after you buy. FL and CA now protect existing owners. 5 things to check in CC&Rs before closing (free analysis tool).
6 things in HOA documents that kill condo financing. Reserve funding, delinquency, litigation. What lenders check and how to verify before you make an offer.
New Fannie Mae and Freddie Mac condo rules: reserve minimum jumps to 15%, Limited Review eliminated (Aug 2026), insurance relief for roofs. What changes for buyers closing on a condo.
Non-warrantable condos can't get conventional financing. Buyer pool shrinks to cash buyers only. 6 triggers that kill warrantability—and how to check before it's too late.
70%+ funded is considered healthy, but roughly half of HOAs fall short. How to interpret percent funded, what it signals about special assessment risk, and where to find it.
After analyzing 1,900+ HOA documents, these 5 red flags predict special assessments before they hit. Underfunded reserves, deferred maintenance, budget gaps, litigation patterns.
Florida condo values down 19% since 2023. 62% missed SIRS deadline. Smart buyers find opportunity in the chaos. How to tell risk from reward (based on 1,900+ HOA docs).
First-time condo buyers face $5K-$50K+ surprise assessments. 5 things to check in HOA documents before closing (based on 1,900+ HOA documents analyzed).
New SIRS disclosure rules, 7-day review periods, financing risks. How Florida agents protect clients in 2026 (based on 1,900+ HOA docs).
SIRS reports cover 8 structural components Florida condos must fund by 2026. Check percent funded, RUL=0 items, and assessment risk (based on 1,900+ HOA docs).
26% of Florida condos underfunded below 50%. SIRS assessments reaching $100K-$400K per unit. 6 options from payment plans to county assistance (based on 38 SIRS reports).
300+ pages, 3 calendar days, zero guidance. Why most buyers waive HOA review—and what it costs them. Based on 1,900+ HOA documents analyzed.
A Virginia court ruled HOAs must specify assessment amounts and purpose to collect. The new 'textual anchor' standard and what it means for HOA homeowners.
Board minutes reveal problems before financials do. Deferred maintenance votes, litigation threats, reserve waiver patterns, manager turnover. 7 warning signs from 1,900+ HOA docs.
Florida court blocks developer from forcing condo sale by lowering the termination threshold. How to check your declaration for termination risks before buying.
Florida condo prices dropped 9.9% in 12 months. Special assessments up to $400K per unit. 56% of buildings non-compliant. What the data shows and what buyers should check.
300+ pages, 3 days to decide. Most buyers miss the red flags buried in CC&Rs, reserve studies, and meeting minutes. What we found after analyzing 1,900+ HOA documents.
HOA special assessments hit $5K to $400K per unit. 70% of associations are underfunded. How to spot them in reserve studies and CC&Rs before you close (from 1,900+ HOA docs analyzed).
Super-liens can override your mortgage. Arbitration clauses strip your right to sue. Transfer fees hit at closing. 5 HOA legal risks most buyers discover too late.
Rental caps, lease minimums, and Airbnb bans hide in CC&Rs and bylaws. Where to find them, what they mean for your investment, and a free tool to extract them in minutes.
70% of HOAs are underfunded. 3 numbers in the reserve study predict your special assessment risk. Here's how to find them fast (based on 1,900+ HOA docs).