Collect the HOA document package: CC&Rs (Covenants, Conditions & Restrictions), bylaws, rules and regulations, current budget, reserve study, and most recent meeting minutes.
Extract text from all documents (PDF to text via parsing library or OCR for scanned documents) and load into a document review pipeline.
Use an LLM to extract structured data from each document type: from CC&Rs extract rental restrictions, pet restrictions, and approval requirements; from the budget extract monthly dues, special assessments, and reserve fund balance; from the reserve study extract percent funded and deferred maintenance items.
Flag critical risk indicators: reserve fund below 70% funded, pending or recent special assessments above one month's dues, rental cap restrictions affecting investment buyers, and litigation disclosed in meeting minutes.
Compute a simple HOA health score based on weighted risk factors (reserve funding, litigation, special assessments, deferred maintenance).
Return a structured summary with extracted values, flagged risks, and source document references for each finding.
Known gotchas
HOA document packages are non-standardized; the same information may appear in different documents or not at all depending on how well the HOA is managed — missing data should be flagged, not inferred.
Reserve study percent-funded figures use actuarial assumptions that may be optimistic; a reserve study more than 3 years old should be treated as stale.
LLM extraction from legal documents requires careful prompt design to distinguish between current rules and historical superseded rules in amended documents — always pass amendment date context.
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp