Sample report
What you actually get.
This is a real example, built from a public reserve study for a 170-unit association near Boynton Beach, FL. Your report follows the same shape: one bottom-line number, the specific findings behind it, and the document and page each one came from.
Your Five-Year Cash Exposure
Bottom line: this unit carries an estimated $6,580 in unfunded reserve deficit today, and the association is $34,170 a year short of what its own reserve study says it needs to collect.
| What we found | What it means for you | Source |
|---|---|---|
| Reserves are 27.1% funded | Less than a third of the money needed for future repairs is actually saved | Reserve study, funding summary, p. 3 |
| 3 building components at 0 years remaining life right now | Site lighting ($35,000), asphalt resealing ($20,300), and mailboxes ($47,000) are due for replacement with no funding set aside | Component schedule, pp. 11–14 |
| Current contributions $170,846/yr vs. recommended $205,016/yr | The association is collecting $34,170 a year less than its own study says it needs | Funding plan, p. 6 |
| Average reserve deficit per owner | $6,580 — your unit's estimated share if the board closes the gap by special assessment | Calculated: deficit ÷ 170 units |
Boards close a reserve gap one of two ways: raise dues, or levy a special assessment. Either way, this is money a buyer should expect to pay that isn't in the purchase price. Nothing here suggests mismanagement — it's a plain reading of numbers the association already produced. We just did the arithmetic a five-to-seven day review window doesn't leave time for.