Condo Document Risk Detection

Stop reading 200 pages hoping you didn't miss the one paragraph that changes the deal.

Upload condo documents. Get a structured summary of assessment activity, milestone inspection status, reserve funding gaps, transfer fees, and rental restrictions — with confidence levels and source references for every finding.

The Documents Weren't Written to Make Your Job Easy

You've done this before. You're 140 pages into a condo declaration, cross-referencing the estoppel, checking the budget for reserve line items, and trying to determine whether the special assessment on page 72 is the same one referenced in the board meeting minutes.

The documents are inconsistent. The estoppel says one thing about assessments. The budget implies another. The reserve study is from 2023 and may not reflect SB 4-D requirements.

Your job is to catch what matters. But these documents weren't written to make that easy. They were written by attorneys, accountants, and management companies — each with their own format, their own terminology, and their own gaps.

You don't need someone to tell you what's important. You need a tool that helps you find it faster and document that you looked.

How This Fits Into Your Day

  • You receive the condo document package as part of your normal transaction process — declaration, estoppel, budget, reserve study, board minutes, inspection summaries.
  • You upload the relevant documents into the Risk Detector. Supported formats include PDF, scanned documents (with OCR limitations noted below), and text-based files.
  • The tool scans each document and cross-references findings across the package.
  • You receive a structured output organized by risk category: assessments, inspections, reserves, fees, and restrictions.
  • Each finding includes a source reference (document name + page/section), a status classification, and a confidence level.
  • You review the output, verify findings against the originals, and incorporate what's useful into your transaction file.

The output is yours. Export it, annotate it, attach it to your compliance documentation. It becomes part of your record of what was reviewed.

What This Helps You Avoid

  • Missing a special assessment that was referenced in board minutes but not the estoppel
  • Overlooking a milestone inspection gap when Phase 1 is complete but Phase 2 has no scheduled date
  • Failing to flag a reserve study that shows structural funding below statutory thresholds
  • Spending two hours on document review that still leaves you uncertain about what you might have missed
  • Having no structured record of the risk indicators you identified during review

Five Risk Categories Across Your Document Package

The tool identifies indicators across five categories, with cross-referencing when the same topic appears in multiple documents.

1. Special Assessments

FINANCIAL

Active, proposed, or discussed. Amounts, purposes, timelines, and payment structures where stated.

2. Milestone Inspections (SB 4-D)

STRUCTURAL

Phase 1 and Phase 2 status. Completion dates, scheduled dates, or absence of scheduling.

3. Structural Reserve Funding (SIRS)

RESERVES

Funded percentages, statutory compliance indicators, and funding plan references.

4. Estoppel & Transfer Fees

FINANCIAL

Fee amounts, payable parties, and any non-standard charges.

5. Rental Restrictions

DEAL RISK

Minimum ownership periods, lease approval requirements, and rental caps.

Cross-Referencing

VERIFICATION

When the same topic appears in multiple documents, the tool notes whether the references are consistent or conflicting.

What the Tool Does NOT Do

  • It does not verify information against county records, public filings, or MLS data.
  • It does not confirm whether an assessment has been paid or is still outstanding.
  • It does not determine legal compliance with any statute. It flags indicators — you and your attorney determine compliance.
  • It does not assess the financial health of a condo association.
  • It does not replace the estoppel itself as a binding document.
  • It does not process commercial condo documents, co-op packages, or HOA-only communities.

What You Can Upload

PDF (text-based and scanned), Word documents (.docx), and plain text files.

PDF Declarations & Amendments
PDF Estoppel Certificates
PDF Annual Budgets
PDF Reserve Studies (SIRS)
PDF Board Meeting Minutes
PDF Milestone Inspections
DOCX Word Documents
TXT Plain Text Files
Limitations
  • 📄
    Scanned documents are processed using OCR. Poor scan quality, handwritten annotations, and low-resolution images may result in incomplete extraction. The tool will note sections it could not process.
  • 📐
    Documents exceeding 300 pages may be processed in segments. You will be notified if segmentation occurs.
  • 📊
    The tool does not extract data from images, charts, or graphs embedded in documents. Tabular data in text format is supported.
  • 🌐
    Non-English documents are not supported.
  • 🔒
    Password-protected files must be unlocked before upload.

How Uncertainty Is Handled

Every finding includes a confidence indicator so you know how certain the tool is about each extraction.

HIGH CONFIDENCE

The information is explicitly stated in a single, clear source. Example: "Special assessment of $14,200 per unit" stated on Page 3 of the estoppel.

MEDIUM CONFIDENCE

The information is referenced but requires interpretation or is spread across multiple documents. Example: Reserve funding percentage calculated from budget line items.

LOW CONFIDENCE

The information is implied, partially legible, or referenced indirectly. Example: Board minutes reference "the upcoming assessment" without specifying amount or timeline.

NOT DISCLOSED

The tool looked for this category of information and did not find it. This does not mean the risk doesn't exist — it means the uploaded documents do not address it.

⚠️

When Documents Conflict

When two documents conflict (e.g., the estoppel states no pending assessments but board minutes discuss one), the output flags the inconsistency and presents both references.

What You Actually Get Back

A structured risk report based on a realistic South Florida condo document package.

Sample Risk Report

Assessment Risk Indicators

Finding 1: Special Assessment — Active

Source: Estoppel Certificate, Page 3

Amount: $14,200 per unit

Purpose: Concrete restoration — Building C exterior balconies and walkways

Status: Active. First installment due April 1, 2026. Four quarterly installments.

Confidence: High

Finding 2: Special Assessment — Discussed

Source: Board Meeting Minutes (October 2025), Page 6

Amount: Not specified

Purpose: Elevator modernization — Buildings A and B

Status: Discussed at board meeting. No vote recorded. No timeline established.

Confidence: Low — referenced in discussion, not formalized.

Note: This assessment does not appear in the estoppel or current budget. Confirm status with management company.

Milestone Inspection Indicators

Finding 3: Phase 1 Milestone Inspection — Complete

Source: Inspection Summary Report, Page 1

Date Completed: March 2024

Result: "Substantial structural deterioration" noted in parking structure. Phase 2 recommended.

Confidence: High

Finding 4: Phase 2 Milestone Inspection — Not Scheduled

Source: Reserve Study (2023), Page 18; Board Minutes (October 2025), Page 6

Status: No Phase 2 completion date or scheduled date found in uploaded documents.

Confidence: Medium — absence confirmed across two documents, but additional documents may exist.

Flag: SB 4-D requires Phase 2 inspection following Phase 1 findings of substantial deterioration.

Reserve Funding Indicators

Finding 5: SIRS Reserve Funding — Below Estimated Threshold

Source: 2025 Annual Budget, Pages 11-13

Structural Reserve Balance: $412,000

Estimated Structural Reserve Requirement: $1,085,000 (based on SIRS line items in budget)

Funded Percentage: Approximately 38%

Confidence: Medium — calculated from budget line items. Independent SIRS report not included in uploaded documents.

Flag: Confirm whether association has an approved alternative funding plan per F.S. 718.112.

Items Not Disclosed in Uploaded Documents

— Independent SIRS report: Not found. Budget references SIRS line items but full report not uploaded.

— Rental restriction details: Declaration not included in upload. Unable to assess.

— Transfer/estoppel fee breakdown: Estoppel states $250 fee. No additional transfer fees identified.

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Legal & Usage Disclaimer

The Condo Structural & Assessment Risk Detector is a document review assistance tool. It identifies risk indicators based on the content of uploaded documents. It does not provide legal analysis, compliance determinations, or professional opinions.

All findings are preliminary and must be independently verified. The tool may produce false positives (flagging items that, upon review, are not material risks) and may miss risks contained in documents not uploaded or in sections it could not process.

This tool does not replace review by a licensed Florida attorney, and its output should not be represented to clients, agents, or lenders as a legal or compliance assessment.

Users are solely responsible for all decisions made based on tool outputs.