Closing Soon?
Close with confidence. Know your HOA in 30 seconds.
Upload your HOA packet and get instant clarity. See your risk score, key findings, and exactly what to ask—before you sign.
"After losing $40,000 to a hidden rental restriction, I built HOA Analyst so buyers can know what to ask—before it's too late."
— Cornelius, Founder
HOA Risk Rating
Worth a closer look
Buyer-critical facts
Key findings
• Low reserves + roof replacement due
• High delinquency signals cash flow issues
• Pending litigation with contractor
How it works
Upload your resale packet
Drag and drop your HOA financials, CC&Rs, reserve study, and board minutes
Select your deal-breakers
Choose what matters most: rental flexibility, special assessments, pet policies, parking, or other priorities
Get your personalized report
Our system highlights the risks YOU care about, critical red flags, and generates specific questions to ask before closing
Attorney Review vs HOA Analyst vs Standard Title Review
You have options. Here's how they compare:
Standard Title Review
Included
Best for: Meeting lender requirements
Real Estate Attorney
$500-$1,500
Best for: Litigation, complex HOAs, high-value purchases
What you get in 30 seconds
HOA Risk Rating
Worth a closer look
Top buyer-critical facts
Key findings (ranked)
• Low reserves + roof replacement due in 2 years
• High delinquency signals cash flow problems
• Pending litigation with contractor
Sample questions
What's the timeline for the roof replacement?
HOA Risk Rating
Clear 0-100 score showing overall HOA health
Buyer-critical facts
Reserve funding, delinquency rate, insurance details, rental restrictions
Key findings (ranked)
What matters most, with page citations so you can verify
Questions to ask HOA
Tailored follow-ups based on what we found in your documents
Clear recommendation
Move Forward / Clarify / Reconsider—with specific reasoning
PDF export
Share with your agent, attorney, or keep for your records
Note: You'll see a preview for free. Unlock the full report + export.
HOA questions we answer before you close
Will I face a special assessment?
How we help: We analyze reserve funding and upcoming capital projects to identify potential assessment risk.
What happens if owners don't pay dues?
How we help: We calculate delinquency rates and flag financial sustainability concerns.
Am I protected if disaster strikes?
How we help: We extract insurance coverage details and deductible amounts from policy documents.
Can I rent if life changes?
How we help: We identify rental restrictions, minimum periods, and percentage caps from CC&Rs.
Is there active litigation?
How we help: We scan disclosures and board meeting minutes for pending or recent legal matters.
Are repairs being deferred?
How we help: We review reserve studies and maintenance plans to identify deferred projects.
What Documents Do I Need?
Upload your HOA resale packet - typically includes:
Don't have everything? Upload what you have - we'll tell you what else you need before you pay.
Why HOA Analyst Exists
In 2021, I bought my dream home. Six months later, my company asked me to relocate across the country.
I planned to rent the house out temporarily. The market was soft, but I figured I'd wait it out.
Then I discovered page 147 of my HOA documents: "No rentals permitted under 12 months."
I needed to rent immediately. The HOA said no. I had to sell in a buyer's market.
The loss: $40,000.
My real estate agent didn't catch it. The title company didn't flag it. I didn't know what to look for.
I built HOA Analyst not to scare buyers—most HOAs are fine—but to give you confidence that yours is one of them.
Because the worst feeling isn't finding issues. It's finding them after you close.
Our commitment:
• Page citations on every finding
• Analysis based on standard underwriting signals
• Not legal advice—clear, sourced information to inform your decisions
— Cornelius, Founder | Real Estate Tech Expert
30-Day Money-Back Guarantee
Not satisfied with your analysis? We'll refund your payment within 30 days of purchase—no questions asked.
Here's our promise:
Frequently Asked Questions
Does this replace a lawyer?
No; it's a due diligence assistant that helps you know what to ask. It identifies key concerns and generates follow-up questions for your agent or attorney. Think of it as triage—use us first ($49, 30 seconds), then hire an attorney ($500-$1,500) only if we flag serious issues like litigation or major financial concerns.
What if the packet is missing documents?
We call it out and treat it as a concern. We'll list exactly what documents you should request from the HOA manager.
Learn what documents you need →How fast do I get results?
Usually within minutes. Upload your documents and get your analysis while you wait.
View sample report →How do you protect my documents?
All uploads are encrypted. Files auto-delete after 30 days, and you can delete them anytime from your dashboard.
See our security practices →Will this catch special assessment risk?
Yes. We analyze reserve funding levels, upcoming projects, funding gaps, and patterns that often lead to special assessments.
Learn about special assessments →When should I hire an attorney instead?
Hire an attorney if we flag: pending litigation, special assessments over $10,000, reserves under 30%, or if your purchase price is over $1 million. For most buyers, start with us to decide if attorney review is needed.
Read our complete guide →Decision-support tool. Not legal or financial advice. Consult professionals before making real estate decisions.