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Buyer should request it."]}]]}]]}],["$","li","reserve-fund-status",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Reserve Fund Status"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Not statutorily mandated in resale packet, but the reserve is required by law. The actual reserve balance and planned uses should be provided (often included in budget/financials)."]}]]}]]}],["$","li","association-insurance-policies",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Association Insurance Policies"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Owners have legal inspection rights. The declarations page of the master policy and deductible schedule are especially important."]}]]}]]}],["$","li","financial-statements",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Financial Statements"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Law requires annual financial reports (balance sheet, income/expense) be prepared and available. While the statute doesn’t force delivery to buyers, associations normally provide the latest year-end financials and CPA review (for ≥50-unit condos) or accounting statements."]}]]}]]}],["$","li","master-deed-cc-rs-declaration",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Master Deed / CC&Rs / Declaration"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Governing document of the condo."]}]]}]]}],["$","li","bylaws",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Bylaws"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Association bylaws including voting rules, meeting rules."]}]]}]]}],["$","li","rules-regulations",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Rules & Regulations"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Any rules book (parking, pets, etc.)."]}]]}]]}],["$","li","current-budget",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Current Budget (operating)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Shows planned assessments and expenditures."]}]]}]]}],["$","li","financial-statements-2",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Financial Statements (latest year-end)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Income/expense statements and balance sheet."]}]]}]]}],["$","li","reserve-account-statement-reserve-study",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold 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text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Deductible Schedule"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","If available, especially for wind/flood (often in declaration page or separately)."]}]]}]]}],["$","li","claims-history",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Claims History"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Records of insurance claims (some states require, MA does not, so request)."]}]]}]]}],["$","li","litigation-summary",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Litigation Summary"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Any pending lawsuits, claims, or arbitration involving the association or units. (Not required by law; must be requested.)."]}]]}]]}],["$","li","special-assessment-notices",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Special Assessment Notices"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Past or upcoming special assessment notices or ballots."]}]]}]]}],["$","li","loan-documents",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Loan Documents"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Any outstanding loans (bond indentures or mortgages on common area)."]}]]}]]}],["$","li","engineering-reports",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Engineering Reports"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Structural/roofing/parking deck inspection reports. (Not mandated; ask proactively if the board has any reports, especially in older buildings.)."]}]]}]]}],["$","li","facade-balcony-inspection-reports",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Facade/Balcony Inspection Reports"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","If in Boston or similar, copies of required façade inspection reports and city certificates of compliance. (Important in Boston due to local law.)."]}]]}]]}],["$","li","violation-notices",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Violation Notices"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Any outstanding code violations (often available via city records search, not typically provided by association)."]}]]}]]}],["$","li","delinquency-report",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Delinquency Report"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Percent of owners delinquent (available from association)."]}]]}]]}],["$","li","management-contract",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Management Contract"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","If a professional manager is used, review the contract terms (not required by law, but sometimes informative)."]}]]}]]}],["$","li","developer-transition-docs",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Developer Transition Docs"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Contracts, escrow agreements, or phasing plans related to developer turnover (if not already turned over)."]}]]}]]}]]}]]}],null],["$","div",null,{"className":"mt-6 border-t border-ink/10 pt-5","children":[["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":"Want this same review on your actual documents? We do it free, with page citations you can verify."}],["$","a",null,{"href":"/start","className":"mt-3 inline-flex items-center gap-1 text-sm font-semibold text-signal hover:underline","children":["Get my free risk report"," →"]}]]}]]}],["$","div",null,{"className":"mt-12","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":["Where ","Massachusetts"," due diligence deserves the most attention"]}],["$","div",null,{"className":"mt-4 space-y-3","children":[["$","div","Buyer Disclosure Risk (8/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Buyer Disclosure Risk (8/10)"}]," — ","State laws do little to protect buyers; information asymmetry is high."]}]]}],["$","div","Legal Complexity (7/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Legal Complexity (7/10)"}]," — ","Massachusetts has a detailed condo act (c.183A) plus local ordinances in major cities (e.g. Boston), but lacks many uniform regulations (e.g. no HOA act). Moderate complexity."]}]]}],["$","div","Insurance Risk (7/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Insurance Risk (7/10)"}]," — ","Coastal and winter risks elevate insurance issues; FAIR Plan exists but premiums are a concern."]}]]}],["$","div","Structural Risk (7/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Structural Risk (7/10)"}]," — ","Aging and coastal buildings plus city-specific safety laws. Structural issues can be severe."]}]]}],["$","div","Reserve Risk (6/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Reserve Risk (6/10)"}]," — ","Mandatory but vague; many associations underfund. Medium-high risk due to ambiguity."]}]]}]]}]]}],[["$","div","Legal Framework",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Legal Framework"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Key points of c.183A include detailed requirements for reserves, budgets, insurance, financial reviews, liens, voting, meetings, and records. For example, every condo “shall be required to maintain an adequate replacement reserve fund” as part of common expenses, and must procure insurance on common areas in its name. Independent CPA reviews are mandated annually for condos with ≥50 units (and optional for smaller). The Act also prescribes owner lien rights for unpaid assessments (6 months’ priority over first mortgages)."}]]}],["$","div","Reserve Studies and Reserve Funding",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Reserve Studies and Reserve Funding"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Is a reserve study required? – No (for now).; Which associations covered? – *Condominiums only*, under c.183A. HOAs have no statutory reserves.; Update frequency/Who prepares? – Not specified by law. (Pending S.980 would say engineer every 10 yrs for 50+ units.); Exemptions/Grandfather: – All condos under 183A must have reserves; none are exempt or grandfathered out."}]]}],["$","div","Structural Inspections and Building Safety",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Structural Inspections and Building Safety"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Other local rules may apply in specific cities (e.g. Cambridge’s elevator recertification rules, or Worcester’s fall protection requirements), but no state law governs condo balconies or parking garages specifically. The Massachusetts Building Code (10th edition) updates safety requirements but does not impose condo-only milestones."}]]}],["$","div","Insurance Requirements and Insurance-Market Risk",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Insurance Requirements and Insurance-Market Risk"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Wind/Hail/Hurricane: Massachusetts is on the coast but has moderate hurricane exposure (mostly tropical storms/Category 1–2). Wind/hail typically covered under standard homeowners/condo policies. However, coastal or flood-prone associations may see wind/hail coverage subject to higher deductibles. If an association cannot obtain wind/hail coverage, they can turn to the state FAIR plan (MPIUA).; Flood Insurance: Standard master policies exclude flood."}]]}],["$","div","Resale Disclosures and Buyer Cancellation Rights",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Resale Disclosures and Buyer Cancellation Rights"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Massachusetts law is light on resale disclosure requirements compared to some states. There is no statutorily defined *resale certificate* regime except the one narrow requirement below."}]]}],["$","div","Assessments, Special Assessments, and Borrowing",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Assessments, Special Assessments, and Borrowing"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Under Massachusetts law (c.183A) and typical condo documents, associations may levy assessments as follows:"}]]}]],["$","div",null,{"className":"mt-12 rounded-lg border border-ink/10 bg-paper p-6","children":[["$","h3",null,{"className":"text-lg font-semibold","children":["Massachusetts"," legal references"]}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm","children":[["$","li","Massachusetts General Laws, c.183A, §10 (Condo Act)",{"className":"text-graphite","children":["$","a",null,{"href":"https://malegislature.gov/Laws/GeneralLaws/PartII/TitleI/Chapter183A/Section10","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"Massachusetts General Laws, c.183A, §10 (Condo Act)"}]}],["$","li","Massachusetts General Laws, c.183A, §6",{"className":"text-graphite","children":["$","a",null,{"href":"https://malegislature.gov/Laws/GeneralLaws/PartII/TitleI/Chapter183A/Section6","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"Massachusetts General Laws, c.183A, §6"}]}],["$","li","Massachusetts General Laws, c.183A, §24",{"className":"text-graphite","children":["$","a",null,{"href":"https://malegislature.gov/Laws/GeneralLaws/PartII/TitleI/Chapter183A/Section24","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"Massachusetts General Laws, c.183A, §24"}]}],["$","li","Massachusetts General Laws, c.183A, §10(c)(4)(i-v)",{"className":"text-graphite","children":"Massachusetts General Laws, c.183A, §10(c)(4)(i-v)"}],["$","li","Massachusetts Bill S.980 (2025)",{"className":"text-graphite","children":["$","a",null,{"href":"https://malegislature.gov/Bills/194/S980","target":"_blank","rel":"noopener noreferrer","className":"text-signal hover:underline","children":"Massachusetts Bill S.980 (2025)"}]}],["$","li","Massachusetts Condominium Consumer Guide (MBM LLC, 2022)",{"className":"text-graphite","children":"Massachusetts Condominium Consumer Guide (MBM LLC, 2022)"}]]}],["$","p",null,{"className":"mt-4 text-xs text-graphite/70","children":"Informational only. 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