Guides
Reserve questions, in plain English.
For board members and managers who need a clear answer and a source they can check.
What Is a Reserve Study?
A reserve study is a long-range plan for an HOA's or condo's major shared components. Learn what's in one, what it isn't, and how boards use it.
How Much Does an HOA Reserve Study Cost?
What HOA reserve studies cost, based on public board records and published prices, including updates, what drives the price, and what to ask before you sign.
HOA Special Assessments: Why They Happen and How Boards Plan Ahead
A special assessment is a one-time charge to HOA or condo owners, often when reserves can't cover a project. Here's why they happen and what boards can do.
Full Reserve Study or Update: Which Do You Need?
A full reserve study starts from scratch with a site visit. An update refreshes an existing one. Here's how to choose, and what sets the schedule.
California HOA Reserve Study Requirements
What California Civil Code 5550 asks of HOA boards: when a study is required, the three-year site visit, the annual review, and what AB 2050 changes from 2032.
Fannie Mae's 15% Condo Reserve Rule: What Boards Should Know
Fannie Mae and Freddie Mac are raising the condo reserve minimum from 10% to 15% of budget in January 2027. Here's what's changing and where a reserve study fits.
Baseline, Threshold and Full Funding: HOA Reserve Plans Explained
What baseline, threshold and full funding mean in an HOA reserve study, what percent funded measures, and how to compare plans. Includes a simple worked example.
How Much Should an HOA Have in Reserves?
There's no single right reserve balance for an HOA. Here's what national figures and rules of thumb show, why they fall short, and how to work out your number.
How to Choose a Reserve Study Company
What reserve study credentials mean, when a state requires one, what to ask a provider, what a proposal should include, and red flags to watch for.