Florida CAMs & HOA Boards

Your reserves look fine.
Until they don't.

Vendor creep, reserve shortfalls, and uninsured cash don't announce themselves. By the time anyone notices, the options are a special assessment or a crisis. We find these problems first. Every month.

CAMs: monitor reserve compliance across your entire portfolio — one report per association, every month.

✓ Reserve Shortfalls✓ Vendor Creep✓ Budget Leaks✓ FDIC Exposure✓ Compliance Checks✓ Coverage Gaps
Florida-Specific
Built around FL statutes & reserve law
Vendor-Neutral
No commissions, no conflicts of interest
Board-Ready
Plain language, no finance degree needed
Free to Start
Snapshot at no cost, upgrade if valuable
Free to Start

Get Your Free Treasury Snapshot

Upload your latest financial statements and receive an independent risk review within 48 hours. If it's valuable for your association — or portfolio — upgrade to monthly reporting.

Your snapshot covers:
→Reserve funding vs. Florida benchmarks
→FDIC concentration & uninsured cash risk
→Interest rate competitive analysis
→2–3 prioritized action items, board-ready and delivered in 48 hours.
See a sample snapshot first →

Independent. No investment sales. No bank commissions.

See a live demo →
🔒Files encrypted in transit and at rest.
What gets missed

These aren't edge cases.
They're the norm.

These situations happen even in well-run HOAs with dedicated oversight. They're invisible without independent financial monitoring.

Vendor Creep
What the books show

Your financials show operating costs in budget.

What's actually happening

Landscaping quietly went from $2,800 to $3,600/month over 10 months. No one flagged it. That's $9,600 gone before your next budget meeting.

→We catch it in Month 2.
Reserve Shortfall
What the books show

Your reserve balance looks adequate.

What's actually happening

Your reserve study calls for 75% funding. You're at 41%. Your roof replacement is in 3 years. The math doesn't work. Your next audit will say so.

→We flag the gap 6+ months early.
Uninsured Cash
What the books show

Your operating account holds $890,000.

What's actually happening

FDIC covers $250,000 per institution. $640,000 is uninsured. If that bank fails, your HOA loses hundreds of thousands with no recourse.

→We catch FDIC exposure immediately.

HOATreasury does one thing: independent financial oversight of your cash, reserves, vendor costs, FDIC exposure, and interest income. Delivered as a monthly report. One per association, every month.

✓Treasury-only focus
✓Human analyst review
✓Florida-specific benchmarks
✓No conflicts of interest
How It Works
01

Share Recent Financials

Upload your balance sheet, income statement, and reserve study. PDF or Excel. Takes under 5 minutes.

02

Receive Your Snapshot in 48 Hours

A plain-language report highlighting vendor creep, reserve shortfalls, and budget leaks. Plain-language and board-ready — no finance degree required.

03

Decide If Ongoing Reporting Makes Sense

If it's valuable, upgrade to monthly monitoring — one association or your entire portfolio. If not, you've lost nothing and learned something useful.

04

Ongoing Treasury Monitoring

Consistent financial oversight that catches issues before they become emergencies. A permanent record every association, CAM, and auditor can rely on.

No new bank accounts. No software integrations. No long onboarding.

What You Get, Every Month

Monthly financial intelligence built for Florida CAMs and HOA boards. Not general-purpose dashboards, not annual audits. Ongoing oversight that works between board meetings — and across your whole portfolio.

01

Vendor Creep, Caught Early

Landscaping +8%. Pool maintenance +12%. Insurance +40%. We track month-over-month vendor cost changes and flag increases before they're 20%+ over budget, while you can still act.

02

Reserve Shortfalls Before Audit Season

Identify reserve funding gaps 6+ months early so you can adjust the budget before special assessments become the only option. Most boards find out too late.

03

Budget Leaks from Misallocated Spending

Double-allocated budgets, operating-vs-reserve misclassifications, and miscategorized expenses. All caught before they become audit findings or legal exposure.

04

FDIC Exposure & Cash Risk

Most HOAs carry more uninsured cash than anyone realizes. We tell you exactly where you stand against FDIC limits and flag concentration risk.

05

Independent, Vendor-Neutral Oversight

No commissions. No bank relationships. No financial products to sell. We earn nothing except your report fee. Our analysis answers to your board, not anyone else.

06

Built for Florida's Pressure Environment

Designed for Florida HOAs facing rising insurance premiums, aging infrastructure, and heightened reserve scrutiny under state law. We know what Florida CAMs and boards are up against.

Simple, Transparent Pricing

Start free. Upgrade only if it's valuable.

One-Time
$0
Free Treasury Snapshot
✓Reserve funding vs. Florida benchmarks
✓FDIC concentration & uninsured cash risk
✓Interest rate competitive analysis
✓2–3 prioritized action items
✓Delivered within 48 hours
Monthly
Community-sized
Pricing based on unit count, discussed after your snapshot
✓Everything in the free snapshot
✓Month-over-month vendor cost tracking
✓Reserve shortfalls flagged 6+ months early
✓Budget leak & misallocation detection
✓FDIC exposure monitored ongoing
✓Board-ready PDF delivered monthly
✓Annual trend analysis & benchmarking

Pricing discussed after your snapshot is delivered. No obligation.

This Is For…

Licensed CAMs and property managers handling multiple associations who need a reliable report for every portfolio. Florida HOA and condo boards that want consistent monthly financial oversight, not just annual reviews. Self-managed and professionally managed communities alike.

Who This Is Not For

Personal investors, non-association entities, or boards seeking legal or investment advice. We don't manage money, execute transactions, or sell financial products. We provide independent treasury oversight. Nothing more, nothing less.

Questions

A one-time review of your cash and reserve positioning, FDIC exposure analysis, interest rate comparison against Florida benchmarks, and 2–3 prioritized risk findings. If you find it useful, upgrade to monthly monitoring.

Vendor creep month-over-month (landscaping, pool, insurance), reserve shortfalls flagged 6+ months early, budget leaks from miscategorized spending, FDIC exposure on operating cash, and a board-ready PDF delivered each month.

Recent bank statements (last 1–2 months), your balance sheet or financial summary, and your reserve study if available. That's it.

No. We're an independent treasury reporting service. We don't manage money, sell investments, or earn commissions. We report on your treasury. Think of it as an outside set of expert eyes, every month.

Auditors verify what happened in the past. We focus on your current cash, reserves, and vendor spending: forward-looking risks your auditor won't flag until it's too late. We catch issues before audit season, not during it.

Property managers (CAMs) handling multiple HOAs who need a reliable monthly report for every association they manage, and Florida HOA and condo boards that want consistent financial oversight between annual reviews.

Yes. CAMs use HOATreasury to monitor reserve compliance, vendor creep, and FDIC exposure across every association they manage — one report per association, delivered monthly.

Resources
Governance

What HOA Boards Should Review Annually, but Often Don't

A practical checklist to surface financial and governance risks, strengthen reserves, and avoid surprises.

Read More →Reserves

Managing Reserve Funds the Right Way

Tips to optimize HOA reserve funds, align with your reserve study, and stay within Florida policy expectations.

Read More →Compliance

Treasury Risk and Compliance for Florida HOAs

How to spot treasury risk in your current setup and support auditors, CPAs, and compliance requirements.

Read More →
Now Accepting Founding CAMs & Communities

Find Out What Your Associations Are Missing

Your free snapshot covers reserve adequacy, cash risk, and vendor cost trends. Delivered in 48 hours. No obligation.

We're accepting a limited number of founding Florida CAMs and communities. Early clients receive dedicated setup attention and are first in line as we expand capacity.

See a sample snapshot first →

Independent. No investment sales. No bank commissions.

See a live demo →
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