Resources

The HOA Capital library.

Plain-English, statute-cited guides on SIRS, HB 913, milestone inspections, and how Florida condo and HOA boards actually fund capital projects — written for boards and CAMs, not lawyers, and kept current as the law keeps changing.

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Guide

SIRS in Florida: What It Requires, What It Costs, and How Boards Fund the Gap (2026)

A plain-English guide to Florida's Structural Integrity Reserve Study law — who needs one, what it covers, the real deadlines (not the ones you've seen repeated online), and how condo and co-op boards are funding what it finds.

12 min read →

Answer

Bank Said No to Your HOA Loan? Here's Why — and What Florida Associations Do Next

Florida condo and HOA boards get declined by banks for four repeatable reasons — delinquency, rental ratio, thin reserves, and size. Here's what specialty association-lending programs look at instead.

5 min read →

Guides

The long-form pieces — SIRS, HB 913, association borrowing, and the financing comparison, each grounded in the statute.

Guide

HB 913, Explained: Florida Boards Can Now Fund SIRS Reserves With a Loan or Line of Credit

HB 913 (Ch. 2025-175) extended Florida's SIRS deadline and formally authorized loans and lines of credit as SIRS reserve funding tools. Here's exactly what changed, what didn't, and how the financing mechanics work — with statute cites.

10 min read →

Guide

How Does a Condo or HOA Association Loan Work? A Plain-English Guide for Florida Boards (2026)

The association borrows, not individual owners. Repayment comes from assessments, not a mortgage on any unit. Here's how borrowing authority, board-vs-member votes, and loan security actually work under Florida law.

10 min read →

Guide

How to Get an Association Loan in Florida: Requirements, Timeline & Documents (2026)

What Florida lenders actually want to see before financing a condo or HOA capital project — the document checklist, the underwriting factors, and the timeline, mirrored from a real diligence process.

8 min read →

Guide

Special Assessment vs. Association Loan: What Costs Florida Owners Less in 2026?

A Florida-specific, statute-grounded comparison of special assessments and association-level financing — how each is authorized, how the costs land on owners, and how boards are weighing the two for SIRS, milestone, and other capital repairs.

10 min read →

Answers

Specific situations, specific answers.

Answer

Your Building Failed Its Milestone Inspection: Funding Repairs Inside Florida's 365-Day Clock

What a Phase 2 milestone inspection finding means, the 365-day repair-commencement clock under FL Statute 553.899(11), and how Florida condo and co-op boards fund repairs fast enough to beat it.

6 min read →

Tools

Checklists to bring to your next board meeting.

Tool

The Association Funding Readiness Checklist

The exact documents Florida condo and HOA boards need before applying for capital-improvement financing — organized into what to have ready now, what to order today because it takes time, and what strengthens the file.

4 min read →