HOAs and COAs often face urgent repair needs, strict compliance deadlines, or reserve shortfalls that can’t wait months for bank approvals. Traditional lenders impose rigid benchmarks—low delinquencies, high reserves, limited rentals—that many communities can’t meet. This guide explains why private loans offer faster approvals, easier criteria, personal lender relationships, and tailor-made terms, plus how they can serve as a bridge to long-term bank financing.

Florida HOAs are facing a new reality under SB 4-D—mandatory Milestone Inspections, Structural Integrity Reserve Studies, and the need for fully funded reserves. These changes, born from the tragic Surfside condo collapse, carry strict deadlines, serious financial implications, and potential legal consequences for boards. In this guide, we break down exactly what your association needs to know, the steps to take now, and how to secure the funding to keep your community safe, compliant, and financially stable