SmartProperty

We’ve been getting a surge of questions about the latest changes from Fannie Mae and Freddie Mac—and it’s not surprising. The 2026 regulations are already reshaping how lenders, boards, and property managers think about reserves, deferred maintenance, and financial transparency. Here’s the reality: These aren’t just compliance updates—they’re a signal that the bar is being raised across the industry. One of the most consequential changes: 15% of your annual budget must go to reserves—and baseline funding alone may no longer cut it. A few key implications: • Reserve requirements will not override your state's guidance • If you don’t meet the 15% threshold, you’ll need a reserve study proving sufficient reserves • “Sufficient” means the highest recommended funding level—not baseline funding (As always, confirm specifics with your HOA attorney.) We broke down what this means—and how to prepare—in our latest blog: 👉 https://lnkd.in/dPURm_cs If you’re unsure how this impacts your property or reserve strategy, now is the time to get ahead of it—not react later. Happy to connect if you want to talk through your situation. #HOA #PropertyManagement #ReserveStudies #MultifamilyHousing #FannieMae #FreddieMac #RegulatoryChanges #AssetManagement #CommunityAssociations #PropertyManagement

Mike Dee spent some great time this week with Jaime and Julie at Riverstone Association—an impressive large-scale community right next door to Sienna in Missouri City, TX. Always valuable to sit down, listen, and learn more about the evolving needs communities like Riverstone are facing when it comes to long-term capital planning. These are complex, high-stakes environments, and it’s clear their team is thinking proactively about the future. And of course… Mike likes to show up with a little KC BBQ. If you’re managing a large-scale community and thinking about what’s next for your reserve strategy, it’s a conversation worth having. #SmartProperty #HOA #ReserveStudy #CapitalPlanning #CommunityManagement #AssetManagement #TexasHOA

The conversation around reserve planning is changing—fast. With new scrutiny from Fannie Mae and Freddie Mac on condo safety, structural inspections, and reserve funding, associations can no longer afford to treat reserve studies as a checkbox exercise. Lenders, insurers, and buyers are all asking the same questions: 👉 Is your property financially prepared? 👉 Are your reserves aligned with real asset conditions? 👉 Can your association withstand the next major capital expense? At SmartProperty, we believe this is a turning point for HOAs and condos—shifting from static reserve studies to dynamic, data-driven asset management. If you’re attending the Palm Beach Condo & HOA Expo tomorrow, come find Sheik Shrikantia at Booth 406 or ask us about what the Fannie Mae & Freddie Mac requirements really mean for your association. #HOAflorida #CondoAssociations #ReserveStudies #PropertyManagement #AssetManagement #SmartProperty #HOAExpo #FannieMae #FreddieMac

CACM Executive Summit again this year.

🌴 Broward County — we’re here. Our National Accounts Executive, Sheik Shrikantia, will be at the Broward County Condo & HOA Expo 2026 this week at the Broward County Convention Center. This is one of the key gatherings for Broward County board members, property managers, and association leaders—bringing together hundreds of professionals focused on improving how communities are managed and funded. And if you’re dealing with: ✔️ Aging buildings ✔️ Rising costs in South Florida ✔️ Reserve funding pressure ✔️ The need for clearer, faster board decisions We should talk. 👉 Visit us at Booth 314 We’ll show you how SmartProperty helps Broward-area communities move beyond static reserve studies and into real-time planning, project tracking, and financial clarity—so boards can act faster and with confidence. If you’re attending, stop by and say hello—we’d love to connect. #BrowardCounty #FloridaHOA #PropertyManagement #ReserveStudies #FortLauderdale #SmartProperty

Excited to share that we’ll be attending the CACM Executive Leadership Summit 2026 this week in Monterey. This is one of the premier gatherings of leaders in the community management space—bringing together executives, innovators, and forward-thinkers shaping the future of HOAs and community operations. At SmartProperty, we’re looking forward to some great conversations around: - The growing complexity of capital planning - How boards and managers can make faster, more confident decisions - Tying reserve planning to projects - And how technology is finally catching up to the needs of modern communities If you’re attending, let’s connect. We’ll be sharing how we’re helping bring reserve studies to life—transforming static reports into real-time, actionable insights through our Living Reserve Study® and integrated project + financial tools. ➡️ If you’ve ever felt like your reserve study sits on a shelf… we should talk. See you in Monterey. #CACM #HOA #PropertyManagement #CommunityManagement #Leadership #SmartProperty #ReserveStudies #CACM #HOABoards

Last Thursday, we had the opportunity to attend a great event hosted by Hawaiiana—and it sparked some really interesting conversations. One thing became clear pretty quickly: many people didn’t realize just how deep our roots are in Hawaii. At SmartProperty, we are Kamaʻāina - living and working here for over many years, and during that time, we’ve built significant experience supporting communities across the islands with their reserve studies. Hawaii is unique. Costs are different. Timelines are different. The realities of maintaining properties here are different. Understanding those nuances—local labor, material costs, logistics, and long-term planning—is critical to building accurate, reliable reserve studies that boards can actually trust. And it’s not just theory for us. At SmartProperty, we have team members who have served as community association and property managers themselves—so we understand the day-to-day challenges from the inside. It was great connecting with so many of you and sharing what we do. If you’re planning a reserve study (or just want a second opinion), the SmartProperty team is always happy to help. Mahalo to Hawaiiana for bringing everyone together 🤙 #HawaiiAOAO #HawaiiReserveStudies #HawaiiPropertyManagement #KauaiAssociations #SmartProperty #Hawaiiana

Sheik Shrikantia will be at the Tampa Bay Condo & HOA Expo this Friday, April 10 — Booth 905. Most HOAs are still relying on static reserve studies and outdated spreadsheets. That’s where things break. SmartProperty changes that. We turn your reserve study into a Living Reserve Study® — connecting your finances, projects, and long-term planning in one place. ➡️ Better decisions ➡️ Fewer surprises ➡️ Clear, board-ready insights Come find us at Booth 905 and ask: “How do I bring my reserve study to life?” Swing by and talk to Sheik Shrikantia. #HOAmanagement #PropertyManagement #ReserveStudies #SmartProperty #TampaBayHOA

Big changes are coming for HOAs — and most boards aren’t ready. Fannie Mae and Freddie Mac are raising the bar on reserve funding and financial health. 👉 Starting January 4, 2027, communities will be required to allocate a minimum of 15% of their annual budget to reserves (up from 10%). For many boards, this will be the most consequential change they’ve faced in years — impacting financing, property values, and planning decisions. That said… Not every HOA will be affected. But you should absolutely find out if yours is. What this means: It’s no longer enough to rely on a static reserve study. Boards need: ✔ Clear visibility into their financial future ✔ Confidence in funding plans ✔ The ability to answer tough lender questions At SmartProperty, we’re helping communities move to a Living Reserve Study® — connecting reserves, projects, and real financials in one place. 👉 Are you prepared for what’s coming? Read more: https://lnkd.in/dPURm_cs #HOA #PropertyManagement #ReserveStudies #SmartProperty #CommunityAssociations #FinancialPlanning

We’re heading to the WSCAI Annual Conference 2026 — and we’d love to see you there. On April 10, the trade show floor will be buzzing with industry leaders, new ideas, and real conversations about what’s next for community associations. 👉 Stop by Booth #88 We’ll be showing how SmartProperty is helping boards and managers: ✔ Turn outdated reserve studies into Living Reserve Studies® ✔ Simplify complex portfolios (especially large-scale communities & high-rises) ✔ Make faster, more confident financial decisions ✨ Ask us about our new Project section — connect your reserve study directly to projects, linking planning, implementation, and tracking to make financial management seamless. Damian J. Esparza (Founder & CEO) and Mike Dee (Director of Business Development) will be there to answer all your questions and help get you set up on the SmartProperty platform. If you’re attending, let’s connect. If you’re managing complexity, we should definitely talk. See you in Seattle. 👋 #WSCAI #WSCAIAC26 #HOAManagement #PropertyManagement #ReserveStudy #CapitalPlanning #SmartProperty