Board Decision Tools for Budgets, Dues, Reserves & Capital Projects
Five board-facing decision guides — each with an embedded interactive tool — built from codified decision models covering the full HOA financial lifecycle: budget approval, dues adequacy, reserve health, special assessments, and capital project financing.
The financial decision chain
5 decisions, 5 of 5 board guides published
Each guide in this cluster answers one board decision with structured inputs, codified criteria, and a recommended outcome — not general information about HOA finances, but a specific answer to a specific question your board is facing right now. The interactive tool in each guide enforces the same logic Zorex's financial management module uses in production.
Board decision guides
All five guides are live. Each includes a full written analysis and an embedded interactive tool.
Should We Approve This Annual Budget? A Board Decision Framework
How to evaluate an HOA annual budget before voting to approve: reserve contribution adequacy (the 10% floor), operating cushion requirements, completeness review for missing or deferred items, and a budget health gate that returns a recommended action — approve, conditional, or return for revision.
Should We Raise HOA Dues? A Board Decision Framework
The board's dues adequacy decision: adequacy gap calculation, state statutory increase caps, increase history analysis, and percentage-range guidance — with a dues adjustment gate that returns a recommended action and the specific percentage range appropriate for your situation.
Are Our Reserves Adequately Funded? A Board Decision Framework
The diagnostic decision that drives every other financial decision: percent-funded ratio, threshold vs. fully-funded strategy, reserve study timing, deferred project accumulation, and a reserve health gate that returns a recommended action with urgency level.
Should We Levy a Special Assessment? A Board Decision Framework
When a special assessment is appropriate, what legal authority is required, state-specific notice and vote requirements (CA/FL/TX/CO/NV/AZ), lump-sum vs. installment structure, hardship payment plans, and a special assessment gate with a clear proceed/hold/member-vote outcome.
Should We Finance This Capital Project? A Board Decision Framework
The capital project financing decision: reserves vs. special assessment vs. HOA loan vs. deferral — with reserve coverage analysis, assessment feasibility, project urgency classification, and a financing gate that returns the recommended path with the rationale for each option.
Reference library
Zorex's financial management module handles budgets, dues collection, reserve tracking, special assessments, and payment plans — with a full audit trail for every financial decision the board makes.