Capital Planning Reimagined

Reserve studies
go stale.
Your decisions
can't afford to.

ReserveBridge is the operational layer between reserve study updates. Connect your reserve data to actual expenditures, maintenance history, and board decisions — so your next capital call is grounded in reality, not a three-year-old PDF.

Sunset Ridge — Reserve Projection vs. Actual
$94k
$78k
Roof
$61k
$89k
HVAC
$108k
$105k
Paving
$47k
$44k
Plumbing
Reserve Study Actual Spend
HVAC trending 46% over projection — flag for board review
Live Capital Intelligence

The gap between a reserve study and a capital decision is where most HOAs lose money.

Reserve studies are snapshots. ReserveBridge is the running video. Every expenditure, every deferred maintenance item, every board vote — anchored to your reserve projections so you always know where you stand.

30+
years of reserve projection
$0
in unexpected special assessments
100%
of capital decisions grounded in data
How It Works

Three layers. One source of truth.

01

Import your reserve study

Upload your existing reserve study — or let your reserve specialist push updates directly. Every component, every useful life estimate, every funding plan gets indexed and kept current.

02

Connect actual expenditures

Sync with QuickBooks, AppFolio, or input manually. Every repair, replacement, and maintenance cost gets matched against its reserve study projection — live, not at year-end.

03

Board decisions with context

When your board votes on a capital project, ReserveBridge anchors that decision to reserve data. A complete historical record — what was projected, what it cost, what it displaced.

Built for Portfolio Managers

Everything you need. Nothing you don't.

Variance Alerting

Get notified when actual spending diverges significantly from reserve projections. Catch cost overruns before they become special assessments.

Board Decision Log

Every capital vote gets anchored to reserve data. Board members see projections, actuals, and funding implications — before they vote, not after.

Projection Updates

Reserve specialists push updates between full reviews. Your 30-year projections stay current without requiring a full engagement every time a roof gets replaced early.

Portfolio View

Manage 5 associations or 50. See aggregate reserve health across your entire portfolio. Prioritize where board attention is needed most.

Reserve Specialist Portal

Your reserve analysts work in their environment. ReserveBridge accepts data feeds so the study and the operational layer stay in sync — no manual re-entry.

Fannie Mae Compliance

When lenders ask for reserve documentation, export a complete audit trail. Actual expenditures, variance explanations, and board decisions — in the format they expect.

Why Now

Lenders, insurers, and states are demanding what HOAs have been postponing.

Fannie Mae and Freddie Mac now blacklist associations with deferred maintenance and underfunded reserves. Insurance carriers require reserve documentation before renewal. Florida, California, and Washington have passed mandatory reserve study laws for condos. The window to get ahead of this is closing.

ReserveBridge lets you build that record before an auditor, lender, or insurer asks for it — not after they've already made their decision.

$2,495
Average cost of a reserve study
Annual software cost for a 50-unit community — less than one attorney's hour per year
3–5 yrs
Typical reserve study update cycle
That's how long your board is flying blind between updates. ReserveBridge keeps projections live.
100%
of boards make capital decisions
Very few do it with current reserve data. That's the gap. That's why ReserveBridge.

Reserve studies exist to protect HOA finances. But a PDF locked in a file cabinet can't protect anything. ReserveBridge keeps your reserve data working — every month, every decision, every year — until the next study comes in.