Sample report — illustrative only. Fictional Massachusetts property used for demonstration.

Sample report — Massachusetts

Back Bay Brownstone Conversion at Boston, MA

12-unit 1890s brownstone conversion, condo-converted 1986

Overall riskElevated

The reserve fund meets the c.183A 'adequate' standard on paper but isn't sized to a realistic capital trajectory for a 130-year-old brownstone. The 6(d) certificate is clean, the Boston Facade Ordinance inspection is current, and the building is below the c.183A audit threshold. The risk is structural — what isn't statutorily required is largely what isn't being measured.

Get my own report — free See the Florida sample

Key findings

Massachusetts-specific findings

Elevated

Operating Budget, line 14 + M.G.L. c.183A §10

Reserves 'adequate' on paper; no study; pre-1985 conversion

What we found: Reserve balance $84,000 with $14,000/year contribution. No reserve study has been commissioned. Building was condo-converted in 1986 from 1890s construction. Trustees have characterized the fund as 'adequate' as M.G.L. c.183A §10 requires, but no engineering basis supports the figure.
Why it matters: Massachusetts requires reserves but does not define 'adequate' and does not require a study. Pre-1985 conversion stock typically has under-disclosed capital exposure — the underlying construction wasn't designed for condo ownership and deferred maintenance accumulates.
What to ask: When was the last engineering review of the building envelope, roof, and mechanicals? What's the actual replacement cycle for major systems?

Concerned about this finding on your documents?

Elevated

Master Deed + Trustee Minutes 2024–2025

Conversion-era documents thin; no warranty of habitability disclosure

What we found: Master deed is original 1986 conversion-era language. Trustee minutes for the past 24 months show no engineering inspections, no envelope review, and no documented capital plan. The original conversion warranty period expired long ago.
Why it matters: For pre-1985 Massachusetts conversion stock, the absence of any voluntary engineering review — particularly on roof, masonry, mechanical, and water-intrusion items — is itself a material finding. Conversion-era documents typically don't anticipate the long-cycle capital needs of pre-war construction.
What to ask: Will the trustees commission a building condition assessment before closing? Are there any recurring water-intrusion or structural items in maintenance records?

Concerned about this finding on your documents?

Moderate

6(d) Certificate + M.G.L. c.183A §6(d)

6(d) certificate clean; no rescission window

What we found: 6(d) certificate issued within the 10-business-day statutory window. No unpaid common expenses, no fines, no liens on the unit. Certificate releases the lien upon payment at closing.
Why it matters: Massachusetts has no statutory rescission period. The 6(d) certificate is the only statutorily required resale disclosure. Contract contingencies are the buyer's only protection — diligence must happen within the contract review window.
What to ask: Is there enough contract review time to commission the engineering assessment if the trustees won't?

Concerned about this finding on your documents?

Low

2025 CPA Review + M.G.L. c.183A audit threshold

Below c.183A audit threshold; CPA review on file

What we found: Association has 12 units — below the c.183A annual CPA review threshold (50+ units). Trustees voluntarily commissioned a CPA review for 2025 fiscal year. Review is unqualified.
Why it matters: A voluntary CPA review at this size is a positive governance signal. Most condos below the audit threshold operate without one. The reserve adequacy question above is the larger issue.
What to ask: Any management letter items the trustees haven't yet addressed? Will the CPA review continue annually?

Concerned about this finding on your documents?

Risk Intelligence

Get Your Free Condo Risk Report

Upload condo or HOA documents for a free risk review. We read reserve studies, budgets, meeting minutes, insurance summaries, and assessment exposure — every finding linked to the exact page.

Get My Free Risk Report

Expert Matching

Need a real estate lawyer or mortgage specialist?

We can connect you with vetted real estate lawyers, mortgage brokers, and insurance brokers familiar with the specifics of condo and HOA transactions.

HOA lawyer
Realtor

Built for trust

Premium due-diligence software — not a chatbot.

Source citations on every finding

Every risk indicator links back to the exact document, page number, and quoted line. You can verify our work in seconds.

Free with transparent consent — or paid and private

Our free option is supported by limited, opt-in referrals you control. Or pay once for a fully private review with no data sharing.

Consistent, documented analysis

Consistent scoring — same documents always produce the same results. No guesswork, no chat-style answers.

Informational, never legal advice

We surface what your documents actually say so you can ask better questions of your attorney, lender, and inspector.

Documents encrypted on upload (AES-256)Documents deleted after 30 daysYou control which professionals can contact youOpt out of referrals anytime