2026-07-11

HOA reserve studies are still spreadsheet hell

Automate reserve studies, funding plans, and board-ready reports for small HOAs.

Small HOAs are paying consultant prices for a workflow that mostly looks like budgeting, scenario planning, and report assembly.
saasfintechb2b
THE MARKET

The niche is HOA reserve studies for small-to-mid associations and self-managed communities in the U.S. The provided dataset shows no keyword volume or CPC for "HOA reserve study," which makes this a workflow-led opportunity rather than a search-led one.

WHAT PEOPLE ARE SAYING
"How often does an HOA need a reserve study?","What is included in a reserve study for an HOA?","How much does a reserve study cost?"
THE GAP

Today this work lives in spreadsheets, expensive consultants, and manual updates. The weak spot is that existing tools produce static PDFs and force boards to restart the process each cycle instead of keeping the plan live.

THE BUILD

Build a lightweight SaaS that ingests community assets, useful-life assumptions, and vendor quotes, then generates reserve study drafts, funding scenarios, board packets, and owner summaries. Start with self-managed HOAs and small property managers who feel consultant fees most acutely, then upsell a consultant-review export.

WEEKEND MVP

A form-based app that imports assets and spits out a reserve-study draft PDF plus a 3-scenario funding table.

← ALL IDEAS
SHARE THIS IDEA
Social card preview