The problem
A reserve study is a living financial position, not a document.
State statutes, lenders, and insurers generally require community associations to maintain a reserve study: a long-term plan for funding the replacement of major capital components. In practice a consultant produces one every few years, the board files the PDF, and the numbers begin drifting from reality immediately. A roof gets replaced early. A bid comes in over estimate. A CD matures. None of it reaches the study until the next engagement.
Estari Pro closes that gap. Balances, funding percentages, and 30-year projections recalculate automatically as the real data changes, so the number the board sees in March is the number that is true in March.
Metrics
The standard reserve-study metrics, computed continuously.
Estari Pro speaks the vocabulary boards and reserve professionals already use. Nothing here is a proprietary score — these are the industry's own measures, kept current.
- Current Balance — what is actually available now, with locked CDs excluded until maturity
- Fully Funded Balance — what the reserve would hold if every component were funded to its accrued life
- Percent Funded — the ratio boards, lenders, and buyers ask about first
- Near-Term Expected Spend — what is coming due soon enough to plan around
- 30-Year Projection — the fund's trajectory at the current contribution rate
- 30-Year Funding Recommendation — the phased increase that fixes it without a dues shock
Capabilities
What is in the portal.
Reserve asset tracking
Every major capital component — roof, pool, HVAC, paving, elevators — tracked with useful life, remaining life, replacement cost, category, condition, photos, and full history. Health status (on-track, warning, due-now, deferred) is computed from remaining life rather than maintained by hand.
Live funding math
Current Balance, Fully Funded Balance, Percent Funded, and Near-Term Expected Spend, recalculated as the underlying data changes instead of once a year in a consultant's spreadsheet.
30-year projection
An inflation-adjusted 30-year reserve fund projection at the community's current contribution rate, rebuilt whenever an asset, cost, or balance changes.
30-year funding recommendation
Solves for the smallest phased-in contribution increase that reaches the board's target funding level without the fund ever running negative — a gradual path instead of a lump-sum special assessment.
Bank and CD handling
Locked or maturing certificates of deposit are excluded from the available-now balance and the 30-year math until they actually mature, then flow back in automatically. The system also flags when a CD is not needed to stay solvent, so the board knows it can safely reinvest.
Scope of Work — job lifecycle
Publish a job and invite vendors, collect bids covering price, timeline, and insurance, award, run the job, propose and approve mid-job change orders, then complete and close. Every dollar spent feeds back into the reserve study's cost history.
Vendor portal
A separate self-service login for contractors: sign up from an emailed invite, track active and past jobs, submit bids, respond to change orders, and maintain liability insurance. Lapse detection blocks new job awards until coverage is current.
Reports and exports
A full branded Reserve Study report in PDF or Excel — logo, asset photos, funding summary, 30-year tables, risk assessment. Plus job-cost history by year or all-time, and a side-by-side bid comparison that puts price, timeline, and live insurance status in front of the board before a vote.
Notifications
Automated alerts and digests for status changes, funding shortfalls, and bidding activity, with configurable delivery cadence and one consistent voice.
Multi-tenant and team roles
One management company, many client communities. Team members hold Owner, Manager, or Viewer roles, features are gated by plan, data is strictly isolated between companies, and two-factor login can be required company-wide.
Users
Three sides, one set of data.
The reason the funding math stays current is that the people generating the underlying events all work in the same system.
Property management companies
The primary customer. One account holds every client community, with team members in Owner, Manager, or Viewer roles and strict isolation from other firms.
Vendors and contractors
Bid on and perform capital work through their own portal — roof replacements, pool resurfacing, elevator work. They maintain their own insurance records rather than being chased for them.
The HOA board
The end beneficiary. Boards receive board-ready reserve studies and side-by-side bid comparisons, which is what a funding or vendor vote actually needs to be defensible.
Why it compounds
Every completed job writes real cost history back into the reserve study. The longer a community runs on Estari Pro, the less its projections depend on generic replacement-cost tables.
Plans
Plans are tiered to portfolio size and capability.
Vendor bidding and reserve exports are gated by subscription tier, and pricing depends on how many communities you manage and which capabilities you need. We quote it directly rather than publishing a table that would not fit your portfolio.
Optional company-wide two-factor authentication is available on all plans.