For condo and HOA managers
Spot the risk before it becomes a special assessment.
A reserve fund study is a long-term financial plan that predicts a building's major repair costs and checks whether its reserves are keeping pace. Reserve fund studies built by accredited professionals, kept live as your building changes.
Reserve Study
A 30-year plan that updates itself.
- Percent funded, tracked as it moves
- Assessment risk flagged years ahead
30-Year Reserve Fund Projection
Projected balance under current and recommended contribution rates.
- Recommended Contribution
- Current Contribution
- Expenditures
- Risk Year
Risk of Special Assessment
High
- Risk Year:
- 2031
- Lowest Balance:
- -$15,537,170 2054
- Estimated per Unit:
- $215,800
- Estimated Total:
- $15,537,600
Summary
Financial Health
- Reserve fund is at 14.3% of the fully funded amount, well below this building's target of 70%.
- A special assessment risk was identified for 2031 (high risk), roughly $215,800 per unit.
- Current annual contribution ($118,000) falls $467,000 a year short of the target of $585,000.
Physical Condition
- 1 of 43 rated components are in Poor condition: Replace Main Roof Membrane.
Next Steps · Immediate
- Raise the annual contribution to the target of $585,000, or phase the increase over 24-36 months.
- Commission an updated reserve study to confirm the shortfall before deciding how to close it.
- Review the near-term capital plan and re-sequence anything that can wait.
Reports
Reports go out automatically, to the right party, on time.
- Board packages build themselves
- Lender-ready: Fannie Mae, Freddie Mac, CMHC
Reserve Study
The full study with the 30-year funding plan.
Form 1076
The lender questionnaire for condo financing.
Generated Reports
Showing: 1Reserve study 2026
PDF · Nov 14, 2025
Prepared by Andrea Molina, Tidewater Residential Management
Our free audit tool reads the reserve study your building already has and explains it in plain language. You get a clear summary, your building's REcollab Score, and the red flags worth raising at your next board meeting. No cost, no commitment.
Try the free audit toolFrequently asked questions
What do I get with a REcollab reserve fund study?
A study built by accredited professionals, and a live 30-year funding plan. You can track percent funded, see special assessment risk early, and send board and lender reports.
Who builds the study?
Accredited professionals build every study. REcollab automates the heavy lifting and calculations.
What do you need from my building?
The documents you already have, such as financial statements, past studies, maintenance records and invoices.
Can I check my existing study first?
Yes. Our free audit tool reads the reserve study your building already has and gives you a plain-language summary, a REcollab Score and the red flags worth raising with your board.
Does my building legally need a study?
It depends on where it is. See the requirements in your region.
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