Know what you're agreeing to before you buy
Analyze HOA bylaws, CC&Rs, and rules for excessive fines, rental restrictions, reserve fund health, special assessment risk, and unusual enforcement powers — the rules that govern your home long after closing.
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What It Analyzes
Every key area reviewed, flagged, and explained in plain English.
Assessment Authority
Determines whether the board can raise dues without a homeowner vote, by how much, and how often — a key factor in your ongoing carrying cost.
Special Assessment Risk
Evaluates the reserve fund health and identifies whether the HOA is underfunded — the biggest predictor of unexpected large assessments.
Rental Restrictions
Identifies whether you can rent your unit, minimum lease terms, caps on the percentage of rentable units, and owner-occupancy requirements.
Fines & Enforcement
Reviews the fine schedule, escalation process, and whether there's a fair appeals mechanism or if the board has unchecked enforcement power.
Architectural Controls
Identifies what modifications require board approval — paint color, landscaping, solar panels, fences, holiday decorations, and more.
Homeowner Voting Rights
Clarifies which decisions require a full homeowner vote vs. board-only authority, and what percentage is needed to amend the CC&Rs.
How It Works
Three steps to instant insights
Upload or Paste
Drop a PDF or paste your document text directly into the tool.
AI Analysis
Our AI processes your document and extracts key information, risks, and recommendations.
Get Your Report
Receive a structured report with plain-English explanations and actionable next steps.
What You Get
Every analysis includes a comprehensive, structured report.
Frequently Asked Questions
What is a special assessment and how do I know if I'm at risk?
A special assessment is a one-time charge levied on homeowners when the HOA needs to fund major repairs or capital expenditures that the reserve fund can't cover. HOAs with reserve funds below 70% funded are generally considered at elevated risk. Our analyzer assesses this directly.
Can the HOA prevent me from renting my property?
Yes — HOAs can legally restrict rentals, require minimum lease terms, cap the number of rental units, or ban short-term rentals entirely. If rental income or future rental flexibility matters to you, our analysis of the CC&Rs will tell you exactly what's allowed.
What happens if I violate HOA rules?
Violations can result in fines, liens on your property, and in extreme cases, foreclosure — even for small amounts. Our analyzer reviews the enforcement powers in your specific HOA documents and flags those with unusually broad or aggressive authority.
Are CC&Rs permanent?
CC&Rs can be amended, but they typically require a supermajority vote of homeowners (often 67–75%). Our analyzer identifies the amendment threshold in your specific documents and flags any sunset provisions or automatic renewal terms.