Every HOA is required to have a reserve study, but most boards are left with a dense report full of numbers that’s hard to understand.

At HOA180, we don’t sell reserve studies or recommend providers. You choose your vendor. We step in afterward to review, manage, and explain the results so your board and homeowners have a clear path forward.

Not all studies are created equal. Common issues include:

• 📉 Outdated cost estimates (construction prices rise quickly).
• 📏 Overly optimistic component lifespans.
• 🏗️ Missing items like drainage, gates, or irrigation.
• 🕒 Skipped updates—CA law requires an annual update and a full study every 3 years.

These gaps can leave your community underfunded and unprepared. HOA180 helps you spot them early and adjust your funding strategy.

• ✅ Review of your current reserve study
• ✅ Easy-to-understand explanation for boards & managers
• ✅ Clear funding strategies that fit your budget
• ✅ Communication support to homeowners
• ✅ Ongoing annual reviews and guidance

How often does an HOA need a reserve study?
California requires a full reserve study with site inspection every 3 years, with annual updates in between.

What does “percent funded” mean?
It measures how much you’ve saved vs. how much you should have saved.

• 100% funded = fully on track
• 70% funded = moderate risk
• Below 50% = high risk of special assessments

Why do lenders care about reserves?
Underfunded HOAs can block loan approvals, refinancing, and lower property values.

Why do insurance companies care about reserves?
Underfunded communities could be considered as high-risk.

Does HOA180 conduct reserve studies?
No—we don’t perform them. HOA180 manages and explains your study, turning it into a clear, actionable plan for your board.

We take the confusion out of reserve studies so your HOA can plan ahead with confidence, avoid special assessments, and protect property values.