✓ Before you waive your HOA contingency

Find what the HOA isn't telling you.

Upload the HOA's budget, reserve study, minutes, and assessment notices. StreamNavigator flags reserve shortfalls, upcoming special assessments, litigation, and governance red flags — before your contingency expires.

Start with a free reserve check → See the full report

Free, no card. You'll see how well funded the reserves actually are before deciding whether to buy the full analysis.

How it works

From HOA documents to a risk score.

Run the free reserve check

Upload the reserve study and budget. You'll see how well funded the association actually is, and the biggest bill ahead — free, before you decide anything.

Add the rest, pay $79

Attach the minutes and anything else at the same time. Nothing is uploaded twice, and one flat price covers the whole package.

AI checks reserves and governance

Funding levels, planned capital projects, special assessments, insurance, financial health, and board disputes — plus the bylaws, for what you are allowed to do with the unit: leasing caps, fees due at closing, and the rules you would otherwise find out about afterwards.

Get your HOA Risk Score

A Low/Moderate/High/Critical score, documented exposure, and exactly what to ask before you buy.

What you get

See what the HOA could really cost you.

✓ An HOA Risk Score — Low, Moderate, High, or Critical — computed from the association's own figures, with every rule that decided it shown
✓ Documented potential financial exposure, clearly labeled as estimates
✓ Your top 5 concerns, each backed by a page-level citation
✓ Whether you can rent the unit out — the leasing cap, any waitlist, and the minimum lease term
✓ What you owe at the closing table beyond the price — capital contributions, transfer and move-in fees
✓ House rules that would change your mind: pets, parking, age restrictions, architectural approval
✓ Anything that could affect financing or resale, so a lender's answer is not a surprise
✓ Missing information or documents flagged so you know what to request
✓ Specific questions to send the HOA, seller, or agent
✓ A pre-contingency-expiration checklist

Every check, named

What we look for, document by document.

Each document unlocks different checks. Send what you have — anything you cannot get is named in the report as a gap, not quietly skipped.

From the reserve study

The single most useful document, and the one the risk score leans on hardest.

01Percent funded, recomputed from the balance and the fully funded balance rather than taken as printed

02What the study says the association should contribute each year

03Every major component, its remaining life, and its replacement cost

04The reserve balance projected to the year the next big component is due

05How old the study is — one more than about three years weakens every figure in it

From the budget and financial statements

What the association actually does, as against what its study recommends.

06Actual annual reserve contribution against the recommended one

07Operating surplus or deficit

08Owner delinquency rate

09Bank loans, lines of credit, or reserves lent to the operating fund

10Regular assessment per unit, and what a shortfall would mean against it

From the meeting minutes

The earliest warning available, and usually months ahead of anything a seller must disclose.

11A special assessment levied, voted, or formally announced

12A board discussing funding options, borrowing, or deferring work

13Engineer's reports, emergency repairs, and deferred maintenance

14Litigation, construction-defect claims, or a settlement

From the insurance summary

An uninsured loss is assessed to owners, which makes this a financial check.

15Deductible size, including percentage-based and named-storm deductibles

16Non-renewal, lapse, or a coverage gap

From the bylaws, declaration, or resale certificate

What you are allowed to do with the unit. Not about money the association will ask you for — about whether the purchase works at all.

17Leasing cap, how much of it is used, and any waitlist

18Minimum lease term, owner-occupancy requirement, short-term rental ban

19Capital contribution, transfer and move-in fees due at closing

20Pets, parking, architectural approval, age restriction

21Anything bearing on financing or resale — investor concentration, warrantability

Across every document together

No single document answers whether you are facing a special assessment. The comparison between them does, and this is the part that is worth paying for.

22The study's recommendation against what the budget funds, compounded to the replacement year

23Per-unit exposure if the gap were assessed, and what collection loss does to it

24A risk score computed from the figures above, with every rule that decided it shown

A sample report

What a finding actually looks like.

An invented association, with figures that reconcile. Every finding in a real report carries the page it came from.

Reserves are 30% funded

$1,134,000 short

Against a fully funded balance of $1,620,000, the association holds $486,000.

Reserve Study, p.4: “Percent funded: 30.0%. Fully funded balance $1,620,000; current reserve balance $486,000.”

From the reserve study · check 01

Moderate

The budget funds less than a third of the recommendation

$150,000/yr

The study recommends $210,000 a year. The budget contributes $60,000.

Reserve Study p.9 and Budget p.2. Compounded to the 2029 roof, reserves reach $666,000 against an $840,000 job — a gap of $174,000, or $2,071 per unit across 84 units (our calculation).

Across every document · checks 06 and 22

Moderate

The board has opened a line of credit

Risk score: High

Associations frequently borrow immediately before, or instead of, assessing.

Minutes, 14 March, p.3: “Motion carried to establish a $250,000 line of credit against future assessments.”

From the minutes · check 09 · this is the rule that moved the score from Moderate to High

High

Leasing is capped and the cap is full

4-year waitlist

You could not rent this unit out on purchase, and the wait is long enough to matter if your plans change.

Bylaws, Article XI, p.14: “No more than 20% of units may be leased at any time.” Resale certificate: 17 of 17 permitted leases in use, 9 owners on the waitlist.

From the bylaws · checks 17 and 18

Deal-relevant

What this does not do

Read this before you upload.

We read the documents you send, and nothing else. We have no access to the association's records, no live database, and no way to look it up. Anything the HOA never put in writing is invisible to us — and to you.
We do not tell you whether to buy. You get a risk read on the finances and the rules, plus the questions to ask. The decision is yours, and it depends on things no document shows.
A healthy association is reported as healthy. The report does not manufacture concerns to justify its price. If nothing is wrong, you have bought the confirmation — which is what you came for.
Estimates are labelled as estimates. A per-unit exposure figure is arithmetic on the association's own numbers, not a bill anyone has sent. We show the working so you can check it.
Missing documents are named, not guessed around. If the bylaws were not provided, the report says leasing could not be checked. It does not infer what they probably say.
Automated analysis, not legal or real-estate advice. Every finding cites the page it came from, so you can verify it and take it to an attorney or your agent.

Get started

One flat price per HOA package.

Upload what you have, pay once, know what you're buying into.

Not sure yet? Run the free reserve check first — it reads your reserve study and budget and shows you a real number before you pay anything.

The free check returns this

Reserves are 30% funded

Free

Computed from the reserve study's own balance and fully funded balance.

The biggest bill ahead: a roof replacement in 2029, estimated $840,000. At the budget's current contribution the fund reaches $666,000 by then — a gap of $174,000, or $2,071 per unit (our calculation).

Plus a count of the further concerns the full report would examine · no card, no account

One-time

HOA Navigator Report

A full risk analysis of the HOA's finances, projects, and governance before you close.

$79

one-time payment per HOA package

Tell us about the property (optional)

Upload the HOA documents

📎

Click to upload or drag files here

PDF, JPG or PNG · up to 50MB per file, 150MB total

The reserve study and the budget carry the most signal, then recent meeting minutes. Add the bylaws, declaration or resale certificate and we can also tell you whether the unit can be rented out and what is owed at closing. Send the whole package if you have it — anything missing is flagged in the report so you know what to request.

✓ Covers reserves, capital projects, assessments, insurance, and governance
✓ Every finding cites the page it came from
✓ Delivered automatically — usually 10–15 minutes, up to about 40 for a full document package
✓ If it runs long, the report still lands in your inbox — you do not have to keep the tab open
✓ If it cannot be produced at all, you are refunded automatically, without asking

Get My Report →

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FAQ

Questions, answered.

The budget and reserve study give the most signal. Add meeting minutes, assessment notices, insurance information, litigation notices, or bylaws if you have them — missing documents are flagged, not guessed at.

No — upload what you have. We'll tell you what's missing and worth requesting before your contingency expires.

No — you get a clear risk read on the HOA's finances and governance, plus questions to ask, but the purchase decision is yours.

You'll be told plainly — the report doesn't manufacture concerns that aren't there.

Each document is read separately, so a large package takes longer — up to about forty minutes. You do not need to wait on the page: the report is emailed to you when it is ready. If it cannot be produced at all, the payment is refunded automatically, without you having to ask or explain. That runs on a schedule rather than on somebody noticing.

Special assessments don't show up until they do.

Know what you're buying into before your contingency expires.

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