For condominium associations

Condo reserve studies, with the price up front.

A condo reserve study lists the shared components your association has to maintain, such as roofs, exteriors and common systems, and plans how to pay for replacing them over the next 30 years.

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Low-rise condominium buildings beside a shared pool and gardens

Unit, limited common or common?

This question decides what belongs in the study, and your declaration answers it, not a general rule. In California, for example, if walls, floors or ceilings are the unit's boundaries, the default is that interior surfaces belong to the unit and the rest are common area, unless the declaration or condominium plan says otherwise. Oregon's reserve account need not include limited common elements that only some owners pay for.

Category	What it usually means	Who usually pays
Unit	Interior finishes and items inside the boundary	The owner
Limited or exclusive use common	Parts reserved for one unit or a few, such as some balconies	It varies by document and state
Common	Roofs, exteriors, shared systems and grounds	The association

This table is our own summary of typical patterns. Your documents control.

Why lenders care

For many attached condo units, lenders selling to Fannie Mae and Freddie Mac check the project's budget. Review is waived for some, including most condos of 10 or fewer units. As published, the minimum reserve line rises from 10% to 15% for applications from January 4, 2027, so check for any delay. A study can be an alternative, but then "the budget must include the highest recommended reserve allocation amount," so it can raise your number.

Fannie Mae also treats projects needing critical repairs differently, so a study a lender sees can surface problems too. We can't promise any financing result. Read our guide to the 15% rule, and ask your lender.

What we do not do

Florida structural integrity reserve studiesThese must be "performed or verified by" a licensed engineer or architect, or a person with a listed reserve credential.
Florida milestone inspectionsThese go to a licensed architect or engineer.
California balcony inspectionsThese need a licensed structural or civil engineer, or an architect.
Structural or safety opinionsWe record visible condition. If we see possible damage, we tell the board in writing to bring in a qualified specialist.

Who does the work

We're a new firm, and we hold no RS, PRA or PE credential today. If your state, lender or documents require one, we aren't the right choice yet. See how to choose a reserve study company.

Published prices

Full studies start at $2,495 for the Simple scope: up to 15 components, no association-maintained residential buildings, up to 499 units. Other communities are priced by size. Your report arrives within two weeks of the site visit.

Scope	Full study with site visit	Update with site visit	Update, no site visit
SimpleUp to 15 components, no association-maintained residential buildings, up to 499 units	$2,495	$1,695	$895
Under 25 unitsUp to 50 components	$2,995	$1,995	$995
25-49 unitsUp to 50 components	$3,495	$2,295	$1,195
50-99 unitsUp to 50 components	$3,995	$2,595	$1,395
100-199 unitsUp to 50 components	$4,995	$3,295	$1,695
200-499 unitsUp to 50 components	$6,495	$4,295	$2,295

Request a quote See full pricing, travel and terms

Condo reserve study questions

How is a condo reserve study different from an HOA study?

Condos usually share roofs, walls and building systems, so more of the long-term cost sits in the buildings. The hard part is often separating what the association maintains from what each owner maintains, and the declaration decides that.

Does Fannie Mae or Freddie Mac require a reserve study?

Usually the budget test comes first. A study is one route when a budget falls short of the minimum, and it comes with conditions. Ask your lender.

Will a study get us below 15%?

It may not. If a lender relies on a study for this exception, the budget must fund the study’s highest recommended level, which can be more than 15%.

Will a lender accept your study?

We do not claim that. We are a new firm with no credential or track record yet, so a lender may question our study. Ask before booking.

Do you do structural integrity reserve studies, milestone inspections or balcony inspections?

No. Those are separate jobs that need licensed or credentialed people. We do not give structural or safety opinions.

Do you work on high-rises?

No, we don’t take high-rises today. Our published prices cover communities of up to about 50 components.