IgeraFincas for HOA & Condo Managers Across the USA
The AI assistant pre-loaded with every major US state HOA and condo law. One platform for management companies operating across California, Florida, Texas, New York, and Arizona — with citation-grade answers from your actual governing documents.
The scale of US community association management
365K+
HOAs and condo associations in the USA
74M
Americans living in HOA communities
$96B
collected in annual HOA fees across the country
3 sec
average IgeraFincas AI response time
The United States has no single federal HOA law. Each state has developed its own legal framework governing homeowners associations, planned community associations, and condominium corporations — creating an enormously complex compliance landscape for management companies operating across multiple markets. IgeraFincas solves this by pre-loading every major state statute and applying the correct jurisdiction automatically to every query.
State HOA laws IgeraFincas masters
Every major state statute pre-loaded — plus federal overlay law that applies everywhere
Davis-Stirling Act (Civil Code §4000–6150)
The most comprehensive state HOA law in the country. Covers the annual disclosure package (§5200), reserve fund requirements (§5500), mandatory rule-making procedures (§4360), board member liability (§5800), and rental restriction limits under AB 3182. IgeraFincas answers California-specific queries with citation-level precision. California HOA guide →
Florida Statutes Ch. 718 & 720 + SB 4-D
Florida has two parallel regimes: Chapter 718 for condominiums and Chapter 720 for HOAs. Since the 2021 Surfside collapse, SB 4-D mandates structural milestone inspections for buildings 3+ stories and 25+ years old, with mandatory reserve funding that cannot be waived after 2024. Florida HOA guide →
Texas Property Code Ch. 202, 204 & 209
Texas is the third-largest HOA state by community count, with a uniquely deed-restriction-based system. Chapter 209 governs property owners' associations and includes important homeowner protections: §209.007 guarantees a hearing before any fine, and §209.009 prohibits foreclosure for fines alone. Texas HOA guide →
NY Cooperative Corporations Law (BCL)
New York is dominated by cooperative apartments — corporations where shareholders hold proprietary leases rather than deeds. The BCL, Martin Act, NYC Local Law 97, and the Offering Plan govern this uniquely complex market, which has 350,000+ co-op units in NYC alone. New York co-op guide →
Arizona ARS §33-1201 (Planned Community Act)
Arizona has the highest HOA density per capita in the entire country — 46% of Arizonans live in a governed community. ARS §33-1804 prohibits HOAs from banning solar panels, §33-1258 protects flag display rights, and §33-1818 restricts the ability to ban rentals outright. Arizona HOA guide →
Fair Housing Act, ADA & FNMA lending rules
Federal law applies regardless of state: the Fair Housing Act (42 U.S.C. §§ 3601–3619) requires HOAs to provide reasonable accommodations for disabilities. The ADA covers common areas in some multi-family developments. FNMA and Freddie Mac impose lending standards on condo associations that affect resale eligibility across all states.
IgeraFincas by US State
How IgeraFincas works for US management companies
Upload governing documents
CC&Rs, bylaws, rules and regulations, reserve studies, meeting minutes. Processed securely in under 48 hours for communities of any size.
State law applied automatically
IgeraFincas detects the community's state and applies the correct statute. A Phoenix query gets ARS §33-1201; a Miami query gets Chapter 718 F.S. No manual configuration.
Homeowners get instant answers
Via web widget or WhatsApp, 24/7. Answers cite the exact CC&R section or statute article — never generic advice, always verifiable sources.
Complex queries escalated
Legal disputes, enforcement actions, and special assessment approvals are flagged and routed to your team with a full context summary — so staff respond informed, not cold.
What a homeowner actually sees
A homeowner in Scottsdale types a question into the association's website widget at 10pm. Within 3 seconds, IgeraFincas replies with an answer citing the specific CC&R section and the relevant Arizona statute — not a form asking them to call back during office hours.
Your team arrives in the morning to a dashboard showing every query handled overnight, with flagged items that genuinely need human attention. On average, US management companies using IgeraFincas deflect 70–80% of routine homeowner inquiries automatically.
Sunrise Ridge HOA
Powered by IgeraFincas
Can I install solar panels on my roof?
Yes. Under Arizona ARS §33-1804, your HOA cannot prohibit solar panel installation. The HOA may impose reasonable restrictions on placement (e.g., not visible from the street), but cannot charge more than $500 for compliance review.
Sources: ARS §33-1804 · Article VII §3 of your CC&Rs
Real queries IgeraFincas answers for US homeowners
Cross-state queries answered with jurisdiction-accurate law and your actual CC&Rs
Fair Housing Act — disability accommodation
“My mother uses a wheelchair. Can I install a ramp on common property?”
IgeraFincas explains reasonable accommodation and modification obligations under the Fair Housing Act (42 U.S.C. §3604(f)), which applies in all 50 states. It cites whether your CC&Rs have a modification approval process and what documentation is typically required. [FHA §3604(f) + CC&R modification clause]
Reserve fund adequacy — FNMA lending impact
“Why can't my buyer get a mortgage approved for this condo?”
Explains FNMA and Freddie Mac condo approval requirements — reserve fund thresholds (10% of annual budget), delinquency rates, and single-entity ownership limits — that affect resale eligibility for condo associations in every state. [FNMA Selling Guide B4-2.1]
Violation fine procedure — state-by-state
“I received a violation notice. Do I have the right to a hearing?”
In Texas, §209.007 guarantees a hearing. In California, §5855 requires notice and hearing opportunity. IgeraFincas identifies the community's state and explains the exact procedural rights applicable, plus cites the association's own enforcement policy. [TX §209.007 / CA §5855]
Short-term rental restrictions — Airbnb/VRBO
“Can my HOA prohibit me from listing on Airbnb?”
Answer varies by state: California limits rental bans to 25% of units under AB 3182, Arizona prohibits outright rental bans under ARS §33-1818, and Texas HOAs have broader authority. IgeraFincas applies the correct state rule and reads your CC&R rental restriction clause. [CA AB 3182 / AZ §33-1818 / TX Ch. 202]
Frequently asked questions — USA
Does IgeraFincas cover HOA law in all 50 US states?
IgeraFincas is pre-loaded with the major state HOA and condo statutes across the US, including Davis-Stirling (California), Florida Statutes Chapters 718 and 720, Texas Property Code Chapters 202 and 209, New York Cooperative Corporations Law, and Arizona ARS §33-1201. Federal overlay laws including the Fair Housing Act and ADA are also included. For states with smaller HOA markets, the system uses the relevant state statutes loaded from public legal databases.
Can IgeraFincas handle a management company with communities in multiple states?
Yes — this is one of IgeraFincas's core strengths. Each community in your portfolio is tagged to its state. When a homeowner queries their community's assistant, IgeraFincas automatically applies the correct state law without any manual switching. A Dallas community gets Texas §209.007 answers; a Fort Lauderdale community gets Chapter 718 F.S. answers. One dashboard, all jurisdictions.
How does IgeraFincas handle Federal Fair Housing Act queries?
IgeraFincas is pre-loaded with the Fair Housing Act (42 U.S.C. §§ 3601–3619) and HUD enforcement guidance. It can answer questions about reasonable accommodation requests, disability-related modifications to common areas and units, familial status protections, and the HOA's duty not to enforce CC&Rs in a discriminatory manner. These federal rights apply in all 50 states regardless of state HOA law.
What file formats does IgeraFincas accept for governing documents?
IgeraFincas accepts PDF, DOCX, and scanned documents (via OCR). Most US HOA governing documents — CC&Rs, bylaws, articles of incorporation, rules and regulations, reserve study reports, and meeting minutes — upload and process without any formatting requirements. The system handles documents of any length, from 5-page rules to 200-page CC&R packages.
How does IgeraFincas handle FNMA and Freddie Mac condo lending requirements?
IgeraFincas is pre-loaded with FNMA Selling Guide sections B4-2.1 through B4-2.3 and equivalent Freddie Mac guidelines. When homeowners or buyers ask why mortgage approval was declined for a condo unit, the system explains the agency lending criteria — reserve fund thresholds, delinquency rate limits, commercial space limits, and special assessment disclosures — and how the association can address any shortfalls.
Start today. Operational in 48 hours.
- Free 14-day trial — no credit card required
- All major US state HOA laws pre-loaded
- Works via web widget and WhatsApp — no app install
- Multi-state portfolio support out of the box