Candor HOA — Reserve Planning, Online Payments & AI Tools for HOAs

Everything your board needs

Every feature is included. No upsells, no feature walls.

📊

Reserve Fund Planner

Upload your reserve study PDF — AI extracts every component. 30-year projections, funding strategies, percent funded analysis.

📒

Bookkeeping

Full transaction ledger, bank reconciliation, bills/AP tracking, recurring transactions, CSV bank import, and receipt attachments.

💳

Online Payments

Collect assessments via card or ACH. Autopay, automated late fees, batch invoicing — all through Stripe.

💰

Budget & Templates

5 HOA-specific budget templates scaled to your building. Import from PDF or build from scratch. Actuals vs budget tracking.

🔧

Work Orders

Full lifecycle tracking with email notifications. Bulk status updates, photo uploads, vendor assignment, priority flags.

📦

Package Tracking

Log deliveries, auto-notify residents by email. Track carrier, tracking number, and pickup status.

💬

Ask Your HOA

Upload CC&Rs and bylaws. Residents ask plain-English questions, AI answers citing the specific section.

👥

Community Hub

Bulletin board, neighbor directory, pet registry, polls, calendar, photo wall, local recs, and suggestions.

🏢

Portfolio Dashboard

Management companies: see all properties at a glance. Reserve health, overdue invoices, open work orders across buildings.

📄

20+ Reports

Board packet, owner statements, income statement, balance sheet, AP aging, percent funded, §5550 disclosure, and more.

🚚

Move In/Out

Schedule moves with elevator reservation, deposit tracking, and pre/post inspection management.

📋

Onboarding Checklists

Role-specific guides for Treasurer, President, VP, and Secretary. Tracks real progress automatically.

AI that actually saves your board time

Not gimmicks. Real tools that replace hours of manual work with a single upload or question.

📄

Reserve Study Import

Upload a PDF. AI extracts every line item, cost, timeline, and category into a structured model in seconds.

💵

Budget PDF Parsing

Drop in your budget document. AI reads the line items, amounts, and categories.

📝

Quote Extraction

Upload a contractor quote. AI extracts vendor, amount, scope, dates — and auto-creates the vendor if new.

📊

Assessment Advisor

AI analyzes your reserve gap and recommends the optimal annual increase — with a max % cap you set.

📜

CC&R Q&A

"Can I install a Ring doorbell?" — AI answers from your actual governing documents, citing the section.

🏗

Vendor Recommendations

AI searches local contractors, reads reviews, cross-references your vendor list, and recommends who to call.

Now in Open Beta

Every feature. Every tool. Completely free while we build alongside early adopters.

Open Beta

Full Access

Any building size

Free during beta

AI-powered reserve study & financial imports
30-year reserve fund projections with charts
Full bookkeeping with bank reconciliation
Online payments with autopay & late fees
Budget templates, actuals tracking, 20+ reports
Work orders, packages, move-in/out tracking
Community portal, Ask Your HOA AI, and more
Portfolio dashboard for management companies

Get Started Free

We'll notify you well in advance before introducing paid plans. Your data carries over.

Full Feature List

Everything that's included — on every plan, at every tier.

📊 Financial Planning & Bookkeeping

AI-powered reserve study PDF import

30-year reserve fund projections with charts

Percent funded analysis by component

Funding plan strategies (loans, phased increases, special assessments)

Assessment modeling with phase-in

Special assessment & HOA loan modeling

Full transaction ledger with running balance

Bank reconciliation workflow

Bills/AP tracking with auto-payment linking

Recurring transactions (weekly/monthly/quarterly/annually)

CSV bank import & Plaid bank connection

Receipt/document attachments on transactions

Chart of accounts auto-seeded from budget

5 HOA-specific budget templates scaled by unit count

Budget PDF import via AI

Actuals vs budget tracking with variance alerts

Income statement, balance sheet, general ledger reports

AP aging report (30/60/90 days)

§5550 Davis-Stirling disclosure generator

💳 Online Payments

Stripe Connect — funds go direct to your HOA bank

Batch invoice generation for all units

Pay via credit card or ACH bank transfer

Autopay enrollment (card or bank)

Automated late fees with configurable grace period

Nightly cron auto-applies late fees to overdue invoices

Owner account statements (printable per-unit history)

Admin collection dashboard with overdue tracking

Manual mark-paid, waive, and void

🔧 Operations

Work orders with full lifecycle & email notifications

Bulk status updates for board members

12 maintenance categories with priority levels

Photo uploads, comment threads, activity timeline

Capital projects management

Package tracking with auto-email notifications

Move-in/move-out scheduling (elevator, deposits, inspections)

Vendor management with trade categories

AI vendor finder via Google Places

Quote management with AI extraction

Violations tracking

Compliance deadlines (Davis-Stirling)

👥 Community

Meet Your Board with titles, bios, and photos

Bulletin board with pinned posts

Neighbor directory (opt-in profiles)

Pet registry with photos

Community calendar

Photo wall

Polls

Suggestions box

Local recommendations

ARC / architectural review requests

Police blotter

Amenity reservations

Resident self-service profile (emergency contact, vehicles, parking)

🤖 AI Features

Ask Your HOA — query CC&Rs, bylaws, and meeting minutes with AI

Reserve study PDF extraction (components, costs, timelines)

Financial statement import & balance extraction

Budget PDF parsing

Quote extraction from PDF or photo

Assessment increase advisor

Vendor recommendations with review analysis

Bulk library text extraction for faster AI queries

ELI5 funding plan insights

📄 Reports & Admin

20+ printable reports (board packet, owner summary, action plan, and more)

Owner account statements

Income statement & balance sheet from ledger

General ledger & AP aging reports

Document library with folders & auto text extraction

Meeting minutes management

Role-based access (admin, board, planner, owner, renter)

Role-specific onboarding checklists (Treasurer, President, VP, Secretary)

Portfolio dashboard for multi-property management

Newsletter tool & SMS alerts

Banner system (emergency/warning/info)

Light & dark mode

Mobile-first responsive design with bottom nav

PWA installable

Frequently Asked Questions

Is Candor HOA really free?

Yes — during the open beta, every feature is completely free with no restrictions. We're building alongside early adopters and want your feedback. We'll give plenty of notice before introducing paid plans, and all your data carries over.

What's the difference between AI quick actions and document processing?

Quick actions are fast queries like asking about your CC&Rs, getting vendor recommendations, or requesting an assessment suggestion. Document processing involves uploading and parsing PDFs — reserve studies, budgets, contractor quotes. Document processing uses more compute, so limits are lower.

Can multiple people from our board use it?

Yes — unlimited users. You can set roles (admin, board member, owner, renter) to control who sees what. Multiple people can be assigned to the same unit, and all of them can view and pay invoices.

How do online payments work?

You connect a Stripe account (free to set up). Then generate invoices for each unit's monthly assessment. Residents pay via credit card, ACH bank transfer, or Venmo — directly from their My Unit page. You can also enable autopay so residents save a payment method and get charged automatically each month. Stripe deposits funds directly to your HOA's bank account.

Is our data secure?

Yes. Candor HOA runs on Cloudflare's global infrastructure with edge-level encryption. Payments are processed entirely by Stripe — we never see or store credit card numbers. Each HOA's data is completely isolated. All connections use HTTPS.

Can we import our existing reserve study?

Absolutely — that's the fastest way to get started. Upload your reserve study PDF and our AI extracts every line item, cost, useful life, and category into a structured model. It handles most common reserve study formats. You can also enter items manually or adjust anything the AI extracted.

What if we have more than 150 units?

No problem — during the open beta there are no size limits. Email us at [email protected] if you need any special configuration for a large community.

How is this different from PayHOA or FRONTSTEPS?

Candor HOA is the only platform with AI-powered reserve study extraction, CC&R Q&A, and intelligent assessment modeling. Most competitors focus on payments or communication — we do both, plus deep financial planning tools that help your board actually understand where the money goes.

What happens when the beta ends?

We'll introduce affordable plans and notify all beta users well in advance. Your data is always yours — nothing gets deleted. If you choose not to continue, your data stays accessible in read-only mode.

Do residents need to create accounts?

Board members invite residents via email. Residents set up a simple account with their email — no app download required. They access everything through a web browser on desktop or mobile. The admin assigns each resident to their unit.

The smartest way to manageyour HOA's finances