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Every item explains what to verify."]}],[["$","div",null,{"className":"mt-8","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Request immediately"}],["$","p",null,{"className":"mt-1 text-sm text-graphite/80","children":"Statute-backed documents the association must provide or make available."}],["$","ul",null,{"className":"mt-4 space-y-3","children":[["$","li","declaration-bylaws-rules-all-amendments",{"className":"flex gap-3","children":[["$","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":"Declaration, Bylaws, Rules & all Amendments (47-04.1-02/-03/-07)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","recorded with the county recorder; the controlling rulebook in ND (statute is thin)."]}]]}]]}],["$","li","political-sign-rules",{"className":"flex gap-3","children":[["$","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":"Political-sign rules (47-04.1-14)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","confirm rules don't prohibit political signs (statutory protection)."]}]]}]]}],["$","li","ev-charging-policy",{"className":"flex gap-3","children":[["$","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":"EV-charging policy (47-04.1-16, HB 1310/2023)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","if relevant, confirm the association's reasonable EV-charging rules and the owner's installation rights/obligations."]}]]}]]}]]}]]}],["$","div",null,{"className":"mt-8","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Confirm you received these"}],["$","p",null,{"className":"mt-1 text-sm text-graphite/80","children":"Commonly provided in the resale package — verify none are missing."}],["$","ul",null,{"className":"mt-4 space-y-3","children":[["$","li","estoppel-account-statement",{"className":"flex gap-3","children":[["$","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":"Estoppel / Account Statement"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","unpaid assessments, special assessments, and fees on the unit (no statutory resale certificate exists)."]}]]}]]}],["$","li","current-prior-year-budgets-and-financial-statements",{"className":"flex gap-3","children":[["$","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":"Current & Prior-Year Budgets and Financial Statements"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","no statutory reserve disclosure; demand these."]}]]}]]}],["$","li","completed-lender-condo-project-questionnaire",{"className":"flex gap-3","children":[["$","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":"Completed Lender Condo-Project Questionnaire"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","owner-occupancy %, delinquency %, litigation, single-entity ownership, insurance, reserves."]}]]}]]}],["$","li","master-policy-declarations-page-claims-history",{"className":"flex gap-3","children":[["$","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":"Master-Policy Declarations Page + Claims History"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","verify replacement-cost property + liability; check wind/hail deductible."]}]]}]]}],["$","li","meeting-minutes",{"className":"flex gap-3","children":[["$","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":"Meeting Minutes (multiple years)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","board and members' minutes (best window into specials, maintenance, litigation)."]}]]}]]}],["$","li","special-note",{"className":"flex gap-3","children":[["$","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 Note"}],["$","span",null,{"className":"ml-2 inline-flex items-center gap-1 rounded-full bg-signal/10 px-2 py-0.5 align-middle text-[11px] font-medium text-signal","children":[["$","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-star h-2.5 w-2.5","aria-hidden":"true","children":[["$","polygon","8f66p6",{"points":"12 2 15.09 8.26 22 9.27 17 14.14 18.18 21.02 12 17.77 5.82 21.02 7 14.14 2 9.27 8.91 8.26 12 2"}],"$undefined"]}]," Key here"]}],["$","span",null,{"className":"text-graphite","children":[" — ","No statutory resale certificate and no buyer cancellation/rescission right in North Dakota — protect with contract contingencies. No super-lien means a clean delinquency/title picture matters most."]}]]}]]}]]}]]}],["$","div",null,{"className":"mt-8","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Ask for these yourself"}],["$","p",null,{"className":"mt-1 text-sm text-graphite/80","children":"Not automatic. Request them proactively — a gap here is itself a signal."}],["$","ul",null,{"className":"mt-4 space-y-3","children":[["$","li","reserve-study-funding-plan",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"Reserve Study / Funding Plan"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","not required to exist; request if one does."]}]]}]]}],["$","li","fema-flood-zone-status-flood-coverage",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"FEMA Flood-Zone Status + Flood Coverage"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","critical in the Red River Valley (Fargo, Grand Forks) and Souris/Missouri River areas."]}]]}]]}],["$","li","roof-age-hail-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":[["$","span",null,{"className":"font-semibold text-ink","children":"Roof Age + Hail/Claims History"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","hail is the leading peril; confirm roof condition and deductible."]}]]}]]}],["$","li","structural-snow-load-freeze-thaw-garage-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":[["$","span",null,{"className":"font-semibold text-ink","children":"Structural / Snow-Load / Freeze-Thaw / Garage Reports"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","esp. flat roofs and concrete decks/garages."]}]]}]]}],["$","li","delinquency-collection-ledger",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"Delinquency / Collection Ledger"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","post-*Gould* write-off and reserve exposure."]}]]}]]}],["$","li","developer-transition-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":[["$","span",null,{"className":"font-semibold text-ink","children":"Developer-Transition Documents"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","no statutory timetable; confirm turnover, warranty, and budget status (esp. Bakken/new projects)."]}]]}]]}],["$","li","corporate-good-standing",{"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":[["$","span",null,{"className":"font-semibold text-ink","children":"Corporate Good-Standing (Secretary of State)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","confirm the nonprofit association is active (not administratively dissolved)."]}]]}]]}],["$","li","everything-by-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":[["$","span",null,{"className":"font-semibold text-ink","children":"(HOAs) Everything by contract"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","non-condo HOAs have no condo-statute rights; demand declaration, CC&Rs, bylaws, budget, reserves, insurance, and litigation via the purchase contract."]}]]}]]}]]}]]}]],["$","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 ","North Dakota"," due diligence deserves the most attention"]}],["$","div",null,{"className":"mt-4 space-y-3","children":[["$","div","Disclosure / transparency (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":[["$","span",null,{"className":"font-semibold text-ink","children":"Disclosure / transparency (8/10)"}]," — ","No condo resale certificate, no rescission right, caveat emptor; protections are contract/lender-driven only."]}]]}],["$","div","Reserve underfunding (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":[["$","span",null,{"className":"font-semibold text-ink","children":"Reserve underfunding (7/10)"}]," — ","No reserve-study mandate, no funding minimum, no statutory disclosure; hidden special-assessment risk."]}]]}],["$","div","Special-assessment surprise (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":[["$","span",null,{"className":"font-semibold text-ink","children":"Special-assessment surprise (7/10)"}]," — ","No statutory cap or owner-vote threshold; thin reserves amplify exposure."]}]]}],["$","div","Governance weakness (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":[["$","span",null,{"className":"font-semibold text-ink","children":"Governance weakness (7/10)"}]," — ","No statutory open-meeting/records/election code; no declarant-transition timetable; document-driven."]}]]}],["$","div","Flood (Red River Valley / river towns) (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":[["$","span",null,{"className":"font-semibold text-ink","children":"Flood (Red River Valley / river towns) (7/10)"}]," — ","Historic Fargo/Grand Forks/Minot flooding; diversion helps Fargo (~2027) but zone/insurance still drive risk."]}]]}],["$","div","Lien / foreclosure (association recovery) (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":[["$","span",null,{"className":"font-semibold text-ink","children":"Lien / foreclosure (association recovery) (6/10)"}]," — ","No super-lien (*Gould*) — lender-favorable but real association write-off risk; judicial foreclosure + 60-day redemption."]}]]}]]}]]}],[["$","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":"Condominiums: Governed by the North Dakota Condominium Ownership Act, N.D. Cent. Code Chapter 47-04.1 (Title 47, Property). It is a short, pre-uniform statute (roughly sections 47-04.1-01 through 47-04.1-16) covering: definitions (-01); recording of the declaration to submit property to a \"project\" (-02); contents of the declaration (-03); declaration of restrictions (-04); description by reference (-05); incidents of a condominium grant (-06); administration, bylaws, rules and regulations (-07); compliance with covenants/bylaws (-08); partition not avai…"}]]}],["$","div","Reserve Studies and Reserve Funding",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Reserve Studies and Reserve Funding"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"The declaration and bylaws (47-04.1-03, -07) govern how common expenses are budgeted and assessed; whatever reserve obligation exists is document-driven, not statutory.; Real-property tax and special assessments are levied on each unit separately (47-04.1-13), so the association is not a taxpayer of last resort for delinquent-owner property taxes.; No reserve study + thin reserve balance: Legal in North Dakota, but a strong signal of deferred maintenance and future special-assessment risk — acute on freeze-thaw-cracked concrete decks/garages, snow-stress…"}]]}],["$","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":"North Dakota has no statewide periodic-inspection mandate for condominiums — no milestone inspection, no façade/exterior-wall law, no balcony-inspection statute, and no post-Surfside condo-safety legislation. 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