Disclosure
Concepts
Concept
California Resale Disclosures: What the Davis-Stirling Act Requires
California requires 11 disclosure documents before a common interest development unit sells, capped at actual cost — but the Davis-Stirling Act's real distinction is process, …
Concept
Texas Resale Certificates: What HOAs and Condos Must Disclose
Texas regulates HOA and condo resale certificates under two separate statutes that land on the identical $375 fee cap from entirely different statutory bases — …
Concept
Colorado Resale Certificates: What CCIOA Requires (and What It Costs to Skip)
Colorado's resale certificate obligation lives inside a lien-enforcement statute, not a dedicated disclosure section. Under C.R.S. §38-33.3-316(8), an association that misses the 14-day deadline for …
Concept
Oregon Resale Certificates: What Planned Communities Must Disclose
Oregon has no single dedicated resale-certificate statute. When a lot in a planned community sells, the disclosure is assembled from four separate statutes — ORS …
Concept
Nevada Resale Certificates: What the Resale Package Statute Requires
Nevada calls it a resale package, not a resale certificate — but NRS 116.4109 requires the same disclosure at the same moment in a sale. …
Concept
Florida HOA & Condo Resale Certificates (Estoppel): What Must Be Disclosed
Florida HOA and condo resale certificates are called estoppel certificates by statute. Associations have 10 business days to deliver one, the fee is capped at …
Concept
Washington Resale Certificates: What HOAs Must Disclose
Washington state law requires associations to produce resale certificates within 10 days of request. Most boards do this by hand. Here is what the statute …
Blog Posts
Hidden Risks
Inspected at Birth: When Washington Looks at a Condominium, and When It Stops Looking
Washington inspects its condominiums at birth — enclosure design documents, construction inspection, certification before occupancy. Then the law never asks to see the structure again. …
Hidden Risks
The First Repricing: What Happened to Condo Prices When One State Made Structural Truth Mandatory
Florida made milestone inspections and funded structural reserves mandatory. Within a single market cycle, financeable buildings began separating from unfinanceable ones. The deferral arithmetic is …
Hidden Risks
Opacity Is a Debt: Why Buried Risk Compounds
A lie is expensive; truth costs nothing to hold. Information withheld from a financial record does not disappear — it compounds as hidden risk until …