Help Center

AssociationIQ is an AI-powered financial analysis platform built specifically for Florida condominium and homeowner associations. Upload your association's financial documents and receive a comprehensive, CPA-grade report covering reserve fund health, budget compliance, lender eligibility, SIRS compliance, and more — in minutes instead of days.

AssociationIQ is built for anyone evaluating a Florida condo or HOA's financial health: prospective buyers conducting due diligence, real estate agents advising clients, property managers benchmarking performance, board members reviewing finances, lenders assessing warrantability, and CPAs performing preliminary assessments.

Click "Get Started" on the homepage or navigate to the Sign Up page. Enter your name, email, and a password (8+ characters). You'll be logged in immediately and can start your first analysis right away.

After signing in, click "New Analysis." The flow has three steps — Property, Documents, and Review — described in detail in the Property & Compliance and Uploading Documents sections of this Help Center. Reports typically finish in 1–3 minutes for small packages and up to ~7 minutes for very large ones.

No. AssociationIQ is designed for anyone who needs to understand an association's financial health. The platform translates complex financial data into plain-English findings and actionable follow-up items. That said, our reports are for informational purposes only — always consult a qualified CPA or attorney for professional advice.

AssociationIQ recognizes 14 specific document types and will still attempt analysis on anything else. Financial & operational • Management Financial Package — balance sheet, income statement, bank reconciliations, delinquency schedules • CPA-Prepared Financial Statements — audit, review, or compilation reports • Annual Budget — proposed or approved budgets • Insurance Declarations — policy limits, coverage, deductibles • Management Agreement — fee structure, scope, auto-renewal clauses • Tax Return (Form 1120 / 1120-H) — Section 277 / 528 status Reserves & structural • Reserve Fund Study — component analysis, percent funded, funding plans • Structural Integrity Reserve Study (SIRS) — FL §718.112 compliance Governing documents • Declaration of Condominium • Articles of Incorporation • Bylaws • Rules and Regulations • Q&A Sheet (FL §718.504) Governance / litigation • Board / Meeting Minutes Anything that doesn't match these is labeled "Unknown" — it's still processed with general extraction, and you can correct the type yourself on the Review step.

You can upload up to 15 PDF files per analysis, with a combined total size of 50 MB. Each file must be a PDF. The dropzone shows running usage ("X of 50 MB used") and turns red if you exceed the limit. If your documents exceed these limits, try splitting large PDFs or omitting less critical files.

Yes. AssociationIQ processes both native (text-based) PDFs and scanned PDFs. However, native PDFs typically produce better results because the text extraction is more accurate. If you have access to the original digital file rather than a scan, use that for best results.

The most comprehensive reports come from uploading at least: • The most recent management financial package (balance sheet + income statement) • A reserve study or SIRS report • The current year budget Additional documents like board minutes, insurance declarations, CPA financials, tax returns, and the governing documents (Declaration, Articles, Bylaws, Rules) add valuable context. The more documents you provide, the more thorough the analysis.

When you upload PDFs, our system first scans the opening text for known patterns (like "reserve study" or "board meeting minutes") for instant classification. If the fast scan doesn't find a match, we use AI to classify the document. Each detected type is shown on the Review step with a confidence indicator (high or low).

Yes. On the Review step, any document that came back as "Unknown" or "Low confidence" shows a "Set document type" / "Correct document type" dropdown. Pick the correct type from the list and the choice is saved server-side — the analyzer will use your selection instead of its auto-detection. Each correction shows "(you set this)" with an Undo link if you change your mind.

Unknown documents are still processed — the analyzer attempts general text extraction. The Review step shows a yellow warning banner listing each unknown file, and the dropdown lets you assign the correct type if you know what it is. You can also leave them unknown and proceed; analysis quality is better when types are assigned but the report will still generate either way.

Many associations distribute Declaration + Articles + Bylaws + Rules as a single combined PDF. Even if you classify the bundle as just one type, the analyzer scans the document text for structural anchors of all five governing-doc types (declaration, articles, bylaws, rules, Q&A) and runs the matching extraction prompt for each one it finds. So a single bundled PDF can produce up to four separate cards in the Governing Document Facts section of your report.

Before you confirm the upload, a coverage grid shows which analysis areas have document support: Reserve Fund Health, Collections & A/R, Budget & Operations, Cash & Controls, Governance & Litigation, Insurance, Tax Compliance, and SIRS Compliance. Green dots mean that area is covered by your uploaded documents; gray dots mean no supporting document was detected.

Most analyses finish in 1–3 minutes. Larger packages (10+ documents, 30+ MB, or several long governing-doc PDFs) can take up to ~7 minutes because the analyzer runs a main financial pass plus separate extractions for each governing document. If the report page shows a "Still working on it" screen, the analysis is still running on our servers — you can safely close the tab and find the report later in your account.

The IQ Score is a 0–100 rating that summarizes the overall financial health of the association based on the documents you provided. The score is color-coded: • 91–100 Excellent (green) — Strong financial health with no significant items to flag • 76–90 Good (teal) — Generally sound condition with a few items to monitor • 61–75 Generally Sound with Items to Review (amber) — Functioning normally with a handful of items that benefit from a closer look • 41–60 Several Areas to Review (orange) — A number of items worth reviewing in advance of closing • 0–40 Multiple Items Need Attention (red) — Several material items that should be reviewed and discussed before proceeding The score is an algorithmic estimate computed from the severity and number of findings — it is not a licensed professional opinion.

Each finding in the report is tagged with a level: • CRITICAL (red) — Material item to discuss before closing. Reserved for genuinely critical findings such as material misstatements, compliance violations, or significant financial risk. • REVIEW (amber) — Notable item worth reviewing with the management company or board. May affect lender eligibility or financial stability. • WATCH (blue) — Item to keep an eye on. Not urgent but worth monitoring.

Four high-level indicators appear near the top of the report, providing a quick health snapshot: • Reserve Fund Health — adequacy of reserves, percent funded, SIRS compliance • Collections & A/R — delinquency rates, aging, bad debt exposure • Budget & Operations — revenue vs. budget, expense variances, assessment adequacy • Cash & Controls — cash positions, bank reconciliation, FDIC exposure, internal controls Each shows red (issues found), yellow (watch items), or green (healthy).

The executive summary is a one-paragraph narrative at the top of the report highlighting the most critical findings and recommended actions. It gives you the key takeaways at a glance without needing to read every section.

The report organizes findings into sections like Balance Sheet, Income Statement, A/R & Delinquencies, Reserve Fund, etc. Each section can be expanded or collapsed by clicking its header. Use the "Expand All" / "Collapse All" button to toggle everything at once.

Each finding may include action items — specific follow-up tasks. You can check these off as you complete them. Your checkbox state is saved in your browser so it persists between visits (for 30 days while the report is active).

This section lists document types that were not included in your upload. For example, if you didn't upload insurance declarations, the report will note it cannot assess insurance coverage. This helps you understand the limitations of the analysis and what additional documents would improve it.

Risk flags are a compiled summary of the highest-impact issues across all sections, categorized as HIGH, MEDIUM, or LOW severity. Categories include things like Litigation Risk, SIRS Compliance, Operating Cash Decline, and FDIC Exposure. This section lets you quickly scan for deal-breakers.

The report evaluates the association against Fannie Mae, FHA, and VA warrantability guidelines. It flags issues that could prevent or complicate mortgage approval — things like litigation percentage, reserve adequacy, owner-occupancy ratio, delinquency rates, and insurance coverage gaps.

Working Capital is the number of months of operating expenses the association could cover with its current operating-fund balance (operating cash and equivalents — excluding reserves). The card is color-coded: • Critical — below 1 month (liquidity risk) • Healthy — 1 to 3 months (industry standard) • Adequate — 3 to 6 months • Over-accumulated — above 6 months (may signal deferred maintenance or improper fund segregation) It also displays the operating balance, year-to-date net income, and a one-line trend note when prior-period data is available.

Special Assessment Risk is a triangulated estimate of how likely the association is to need a special assessment in the near term. It's based on six inputs the analyzer triangulates: reserve study sanity check, contributions vs. funding plan, operating cash-flow margin, special-assessment history, exogenous shocks (insurance increases, SIRS additions, statutory minimums), and A/R delinquency trend. The rating is High, Moderate, Low, or Insufficient Data, with a plain-English rationale and a list of underfunded components if any are flagged.

This check compares designated reserve CASH (bank and investment accounts labeled as reserve accounts) against the reserve LIABILITY on the balance sheet (the "Reserves" or "Fund Balance — Reserves" equity line). If reserve cash is materially less than the reserve liability, that gap indicates commingling with operating funds. Statuses include "Properly Segregated", "Minor Variance" (1–5% gap, often timing), "Shortfall — Commingling Risk" (>5% gap), or "Excess Cash". A separate flag tracks whether SIRS contributions are held in their own dedicated account as required by FL §718.112(2)(f).

The reserve study contains a multi-year funding plan that projects the year-end reserve balance for each future year. The "Variance from Plan" row compares the projected balance for the financial-statement's fiscal year against what is actually on the balance sheet today. A negative variance means the association is behind plan; positive means ahead. The row is color-coded green (within ±10%), amber (ahead by >10%), or red (behind by >10%). A "behind plan by more than 25%" gap surfaces as a critical finding.

When the association's balance sheet does not separate traditional reserves from SIRS reserves on the equity side (one combined "Reserves" line instead of two), the analyzer performs the projected-vs-actual comparison on the aggregate balance and renders a single "Combined Reserves (Traditional + SIRS)" card. A footnote explains the situation and the report also flags the commingling separately under FL §718.112(2)(f).

When you upload a Declaration, Articles of Incorporation, Bylaws, Rules and Regulations, or Q&A Sheet (or a bundled PDF containing several of these), the analyzer extracts a structured fact list from each — assessment allocation method, leasing rules, voting thresholds, quorum requirements, parking / pet rules, etc. — with a citation to the source section and page. These are factual extractions only, not legal interpretation; consult an attorney for legal advice.

Yes. Each completed report includes a Q&A side panel — a chat where you can ask follow-up questions about the report's findings. Answers are grounded in the stored report only (the AI cannot see your original PDFs after analysis). The chat stays available for 30 days from report generation, with a per-report message cap.

Click the "Download PDF" button at the top of the report. A new window opens with a print-optimized version and the print dialog. For the cleanest output, set Destination to "Save as PDF", uncheck "Headers and footers", and enable "Background graphics". The same yellow tip banner inside the print window walks you through these settings.

Two different retention windows: • Reports — kept for 30 days from generation. A countdown shows the days remaining on your account dashboard. After 30 days the report content is deleted; you can no longer view, download, or chat with it. • Uploaded source documents — deleted as soon as the report is generated. Only the structured report itself remains for the 30-day window. Download or save any reports you want to keep for the long term.

The 👍/👎 widget on each report records whether the report was helpful, plus an optional comment. Feedback flows to our internal review queue where it's used to improve the analysis prompts and triage product issues. It does not affect what's stored in your account, your billing, or your access to the report.

In Step 1 of the analysis flow, the search field accepts both street addresses (e.g., "18800 NE 29th Ave") and building or association names (e.g., "Akoya Condominium" or "Turnberry Ocean Colony"). The autocomplete shows matches from both addresses and named establishments. We use Google Maps to geocode the location and identify the county. For Miami-Dade County properties we also query the county property appraiser's public database for unit count, floor count, and year built. For all Florida properties we calculate distance to the nearest coastline.

Properties within 3 miles of the Florida coastline are flagged as "Coastal" with the distance shown (e.g., "Coastal 0.8 mi"). This classification affects SIRS and milestone inspection requirements — coastal buildings have earlier inspection deadlines under Florida law.

SIRS stands for Structural Integrity Reserve Study, required by Florida Statute §718.112. Condominium buildings with 3 or more floors must complete a SIRS by December 31, 2024. The study must address specific structural components (roof, load-bearing walls, foundation, plumbing, electrical, waterproofing, windows, fire protection) and associations cannot waive reserves for these items.

Florida's milestone inspection law requires buildings to undergo a structural inspection at age 30 (or age 25 for coastal buildings within 3 miles of the coast). The report automatically calculates whether your building has reached or is approaching this threshold based on the year built and coastal classification.

Yes. After the automated lookup populates building details, you can click "Edit building details" to manually adjust the unit count, floor count, year built, building type, and city/county. This is useful when the automated data is incomplete or you have more accurate information.

If the automated lookup can't find your property, a manual entry form appears. Enter the building details yourself — units, floors, year built, and city. The analysis will proceed normally with whatever information you provide.

Florida's Rider A (Para 9) requires a turnover-inspection report only when developer turnover happened on or after July 1, 2023. The Yes / No / Unknown toggle on the Review step tells the analyzer whether that requirement applies to your association. If you select Yes (turnover before that date), the missing-turnover-inspection check is suppressed. Leave it Unknown if you're not sure — the analyzer will treat the inspection as potentially applicable.

AssociationIQ offers four plans — all with identical, full-depth analysis. The only difference is volume: • Pay As You Go — $99 per report, no monthly commitment • Power — $499/month, includes 10 reports ($49 per additional) • Professional — $799/month, includes 25 reports ($35 per additional) • Premier — Custom pricing, unlimited reports Every plan gets the same comprehensive analysis — no features are gated behind higher tiers.

Each analysis consumes one credit. Pay As You Go users purchase credits individually ($99 each). Monthly subscribers receive a fixed allotment each billing cycle (10 for Power, 25 for Professional). Unused credits do not roll over. Premier users have unlimited reports. If a Power or Professional subscriber exceeds the monthly allotment, additional reports are billed at the per-overage rate ($49 for Power, $35 for Professional) and processed immediately — there is no hard cap on reports per month for those plans.

Visit your Account page or the pricing section on the homepage. Click the plan you want to switch to and complete checkout through Stripe. Your new credits are available immediately after payment.

Sign in and visit your Account page. The "Your Reports" panel lists every report you've generated, sorted most-recent first, with status (Pending / Processing / Complete / Failed) and days remaining in the 30-day window. Click "View Report" to open a completed report or "View Progress" on one that's still running.

If an analysis runs longer than the time budget allows, the report page shows a "Still working on it" screen — the analysis is still running on our servers and will appear in your account when ready. If a job is stuck in a non-terminal state for more than 10 minutes, our system automatically marks it as failed and refunds the credit (refunds apply to Pay As You Go, Power, and Professional tiers; Premier is unlimited so no refund is needed). Failed jobs appear in your Account dashboard with the reason.

All payments are processed securely through Stripe. We accept all major credit and debit cards. Your payment information is handled entirely by Stripe — we never see or store your card details.

Credits are non-refundable except as required by applicable law. Stalled or failed analyses are auto-refunded as described above. If you experience another technical issue that prevents a report from generating, contact us at [email protected] and we'll work with you to resolve it.

Your documents are encrypted in transit (TLS) and at rest (AES-256-GCM). They are used solely to generate your report and are permanently deleted as soon as the report is generated. We do not retain, share, or sell your documents, and they are NEVER used to train, fine-tune, or improve any AI models. Each analysis is processed independently. The structured report itself is retained for 30 days for your access via the Q&A panel and download, then deleted.

Only you. Reports are tied to your authenticated account — viewing a report requires signing in to that account. There is no public share link feature today; if you need to share findings with someone else, download the PDF from the report page and send the file directly.

Your documents are processed by Anthropic's Claude AI model through a secure API connection. The analysis uses a specialized CPA-grade prompt developed in collaboration with licensed CPAs with decades of Florida association audit experience. The AI evaluates your documents against Florida statutory requirements, lender guidelines, and professional accounting standards.

Your password is hashed using industry-standard bcrypt before storage. We never store or have access to your plain-text password.