HOA Intelligence Platform

Budget →

YTD Operating

($39.1K)

vs $0 budget · 7 of 12 months

LOSS

Reserves →

Reserve Balance

$341.3K

of $1,114K target

31%

Income →

Monthly Assessment

$512.79

per unit · 102 units

Current

AR →

AR — Collections

$28.8K

5 active collection accounts

ACTION

Reserve Fund Health

vs SCT Study target ($1,114,000)

UNDERFUNDED

$0 Current: $341.3K Target: $1,114K

Current monthly contribution $18,450.00

SCT recommended $19,202.76

Monthly shortfall ($752.76)

Study basis Level III · Jul 2025

Top Budget Variances YTD

7 months through March 31, 2026

4 OVERRUNS

5341 Buildings & Grounds $14,175 $39,443 +178%

5030 Gas $23,333 $32,398 +39%

5520 Insurance $30,317 $38,066 +26%

5040 Frontier / Telephone $2,520 $8,090 +221%

5335 Plumbing $8,288 $24,915 +201%

Active Capital Projects

2 in progress · FY2026

Project	Building	Total Cost	Source	Status
Canyon Floor Carpet Replacement	All 4 buildings	$65,262	Reserves	IN PROGRESS
Cast Iron Drain Stack #28	1552 S. Camino Real	$17,985	Reserves	COMPLETE
1510 Laundry Room Plumbing	1510 S. Camino Real	$13,000	Reserves	COMPLETE
1552 1st Floor Laundry Drains	1552 S. Camino Real	—	Operating	COMPLETE

GL Code	Description	Annual Budget	7-Mo Budget	YTD Actual	$ Variance	% Var	Status
Income
4110	Monthly Assessments	$627,660	$366,135	$372,797	+$6,662	+1.8%	OK
4125	Collection Reimbursement	—	—	$2,700	—	—	OK
4131	Laundry Commission	$6,000	$3,500	$1,295	($2,205)	-63%	MONITOR
4140	Late Assessment Fees	—	—	$1,810	—	—	OK
4141	Admin Fee / Late Charge	—	—	$310	—	—	OK
4142	Bank Charge Reimbursement	—	—	$75	—	—	OK
4195	Misc Income	$1,200	$700	$280	($420)	-60%	MONITOR
† GL 4150 Special Assessment Interest ($20,400/yr budget) — CIT loan retired Aug 2025; income no longer receivable. Removed from comparison; flagged to PPM for FY2027 budget removal.
Utilities
Overruns in this category reflect commodity price fluctuations and are being monitored. No corrective action required unless trend worsens.
5020	Electricity — pricing increase	$35,000	$20,417	$24,231	($3,814)	-19%	WARN
5030	Gas — seasonal + commodity	$40,000	$23,333	$32,398	($9,065)	-39%	WARN
5040/5060	Telecom — Frontier Internet + Spectrum Elevator VoIP	$44,712	$26,082	$12,399	+$13,683	+52%	OK
5050	Water	$21,600	$12,600	$13,908	($1,308)	-10%	OK
Buildings & Grounds Maintenance
5335	Plumbing — portion reclassifying to reserves	$14,208	$8,288	$24,915	($16,627)	-201%	PENDING RECODE
5341	Buildings & Grounds — portion reclassifying to reserves	$24,300	$14,175	$39,443	($25,268)	-178%	PENDING RECODE
5344	Carpet Cleaning	$4,320	$2,520	$0	+$2,520	+100%	RESERVE PROJECT
5366	Elevator Repairs	$11,000	$6,417	$440	+$5,977	+93%	OK
Administrative
5520	Insurance	$51,972	$30,317	$38,066	($7,749)	-26%	SENT TO PPM
5530	Management Service	$36,000	$21,000	$20,993	$7	+0%	OK

Fund Balance

$341.3K

Book Balance $340,623 · as of Mar 31, 2026

% of FY2026 Target

81%

of $422K FY2026 study target (SCT 2025)

Monthly Contribution

$18,450

SCT recommends $19,203

FY2026 Study Target

$422K

SCT recommended opening balance · full funding = $1,114K

Funding Status vs Target

Current: $341.3KFY2026 Target: $422K

81% of FY2026 SCT study target · Full funding target = $1,114K (30.6% of full funding)

The July 2025 Level III study is a financial update only — no site inspection. It is based on a June 2024 site inspection.

Drain & Stack Maintenance

Cast iron stack replacements and laundry drain repairs are managed reactively — addressed when a failure is identified (typically via water leak). Not tracked as reserve components.

Component	Status	Est. Cost	In SCT Study	Notes
Roof	IN STUDY	—	Yes	Included in SCT Level III study.
Elevator	IN STUDY	—	Yes	Included in SCT Level III study.
Pool/Spa	IN STUDY	—	Yes	Included in SCT Level III study.
Exterior Paint	IN STUDY	—	Yes	Included in SCT Level III study.

Current Balance ($)

Monthly Contribution ($)

Inflation Rate (%)

ROI / Interest Rate (%)

Projected Balance — 5 Years

$0

% of inflation-adjusted target

Projected Balance — 10 Years

$0

% of inflation-adjusted target

Years to Reach 70% Funded

—

At current contribution rate

Year-by-Year Projection

Next 15 years · Contributions + ROI vs inflation-adjusted target

Year	FY End	Contributions YTD	Balance (w/ ROI)	Inflation-Adj Target	% Funded	Gap

Metric	A: Current (4% infl / 3% ROI)	B: SCT Assumptions (3% infl / 3% ROI)	C: Recommended Contribution	Best Case (2% infl / 3.5% ROI)
Monthly Contribution	$18,450	$18,450	$19,203	$18,450
5-Year Balance	—	—	—	—
10-Year Balance	—	—	—	—
Years to 70% Funded	—	—	—	—
10-yr Inflation-Adj Target	—	—	—	—

Component	Status	Notes
Roof	IN STUDY	Included in SCT Level III study.
Elevator	IN STUDY	Included in SCT Level III study.
Pool / Spa	IN STUDY	Included in SCT Level III study.
Exterior Paint	IN STUDY	Included in SCT Level III study.
Cast Iron Drain Stacks	REACTIVE	Repaired on failure — not a reserve component.
Laundry Drain Infrastructure	REACTIVE	Repaired on failure — not a reserve component.

Per-unit impact of an assessment increase across all 6 unit tiers · Current rates effective Sept 1, 2024 (last 12% increase) · No increase taken in FY2026

Quick Select:

Custom:

%

New Monthly Revenue

—

vs current

Additional Monthly

—

increase over current

Additional Annual

—

full-year impact

Units Affected

102

all unit types

Per-Unit Type Breakdown

Source: CC&Rs Exhibit B · FY25 rates = FY26 rates (no increase taken)

Unit Type	Sq Ft	# Units	Current Mo.	New Mo.	Mo. Increase	Annual Increase / Unit	Total Annual (All Units)

ℹ

Context Last increase was Sept 1, 2024 (+12%). No increase for FY2026 — board deferred due to 2022 special assessment loan. Any FY2027 increase would be the first since then.

Operating Income Model — FY2027 Pro Forma

Expense inflation:

Custom: %

FY2026 Net Operating

($43,008)

budget baseline · deficit

FY2027 Net Operating

—

at selected increase %

Improvement vs FY2026

—

swing in net operating income

Break-even Rate Needed

—

to reach $0 net (at 3% exp inflation)

Full P&L Comparison

FY2026 budget baseline vs FY2027 pro forma · reserve at $18,450/mo ($221,400/yr)

Line	Description	FY2026 Budget	FY2027 Pro Forma	Change $	Change %

📋

Model assumptions FY2026 budget: $652,471 income · $490,333 operating expenses · $205,146 reserve (old rate). FY2027: reserve updated to $221,400 ($18,450/mo × 12). Other income held flat. Assessment revenue scales with selected %.

Total AR

$36.7K

17 accounts · April 6 report

Largest Balance

$17.7K

Vega #117 — atty prep

Lien / Filed

2 units

Vega (atty), Scudder (lien filed)

Recently Cleared

3 units

Tracy · D'Angelo · Brown

1550 S. Camino Real #117 — Vega

Coll Status: Prep Docs for Attorney (escalated from NOD)

ATTY PREP

$17,677.46

1552 S. Camino Real #134 — Kuykendall-Barrett

Coll Status: File on hold — Archer

FILE ON HOLD

$4,777.19

1500 S. Camino Real #101 — Scudder

Coll Status: Lien Filing — Guralnick Gilliland Garcia

LIEN FILING

$3,429.04

1550 S. Camino Real #317 — Vahey

Coll Status: Reminder Notice

REMINDER

$1,487.26

1510 S. Camino Real #214A — White

Coll Status: Lien Approval Board

LIEN APPROVAL

$549.55

1550 S. Camino Real #322 — Tracy

SETTLED 3/23/2026

SETTLED

$0.00

1510 S. Camino Real #216 — Halliday

NOT PAID · Common Area – Debris Disposal

UNPAID

$286.00

Canyon Floor Carpet Replacement — All 4 Buildings

All 3 floors · 1500, 1510, 1550, 1552 S. Camino Real · Work begins April 6, 2026

Total

$65,262

Deposit Paid

$32,631

Remaining

$32,631

Source

Reserves

IN PROGRESS

Cast Iron Drain Stack #28 Replacement

1552 S. Camino Real · ABS pipe replacement · Completed March 10, 2026 · Best Price Plumbers Invoice #9306

Actual Cost

$17,985.00

Paid

03/10/2026

Source

Reserves

In Reserve Study

No — reactive

COMPLETE

1510 First Floor Laundry Room — Major Plumbing Failure

1510 S. Camino Real · Completed February 2026

Cost

$13,000

Source

Reserves

COMPLETE

1552 First Floor Laundry Room Cleanout Drains

1552 S. Camino Real · Completed 2025

Source

Operating

COMPLETE

Cast Iron Stack Replacement Tracker

Source: STACK_TRACKER.xlsx · Updated April 9, 2026 · Reactive maintenance — not a reserve component

28% COMPLETE

TOTAL STACKS

92

residential

COMPLETED

26

28%

REMAINING

66

72%

LAUNDRY AREAS

3/4

1550 pending

By Stack Type

Stack Type	Total	Completed	Remaining	% Done
Kitchen	34	11	23	32%
Master Bath	34	12	22	35%
Guest Bath	24	3	21	13%
Total	92	26	66	28%

Suggested Questions

What is our FY2026 reserve fund balance?

Can we raise assessments more than 20% without a member vote?

How many days notice is required before a board meeting?

AI

Ask Lumen · AI

Ask me anything about PSB3 — finances, CC&Rs, reserves, vendors, assessments, or board procedures. I'll give you the short answer first. Ask for more if you need it.

Powered by Claude

📂

Drop documents here or click to upload

PDF · CC&Rs · Bylaws · Reserve Study · Financial PDFs

Governing Documents

Document	Type	Pages	Uploaded	AI Ready
CC&Rs (Doc 00318849-7)	Governing	70	In Project	✓ Active
Amended & Restated Bylaws 2018	Governing	35	In Project	✓ Active
Articles of Incorporation 1973	Governing	12	In Project	✓ Active
Rules & Regulations 2021	Governing	31	In Project	✓ Active
SCT Reserve Study July 2025	Reserve	—	In Project	✓ Active
Proposed Budget FY2026	Financial	2	In Project	✓ Active

4

FAIL

10

WARN

6

GAP

13

PASS

Critical Failures

4 FAIL

#	Check	Category	Finding	Status
Q14	Insurance budget vs actual	Budget Accuracy	GL 5520 $38,066 actual vs $30,317 7-mo budget — 26% overrun ($7,749)	SENT TO PPM
Q28	AR 90+ day concentration	Delinquency	April 6 AR: $36,721 total (17 accounts) — Vega $17.7K (atty prep); Scudder lien filed; Kuykendall-Barrett file on hold; Halliday $286 unpaid chargeback	FAIL

Data Gaps

6 GAP

#	Gap	Impact	Status
G1	Account 1906 — Deferred Special Assessment $88,379.43	Balance sheet overstated; phantom asset	SENT TO PPM
G2	Frontier per-unit service assignment list	Cannot confirm which units have active "Biscuit" service	AWAITING
G5	FY2025 year-end CPA review	Cannot confirm prior-year closing balances	NOT AVAILABLE
G6	Homeowner contact details — incomplete directory	AI owner lookup partially degraded	IN PROGRESS

📤

Drop monthly PDFs here or click to select

RevANDExps · BalanceSheetwithGLCodes · paidInvoicesByServiceProvider · Annual_Budget_Comparison

Imported Financial Data

Updates dashboard automatically on import

PDF Type	Contents	Last Imported	Period	Status
RevANDExps	Revenue & Expense P&L	—	—	PENDING
BalanceSheet	Balance Sheet + GL	—	—	PENDING
PaidInvoices	Vendor invoice detail	—	—	PENDING
BudgetComparison	YTD budget vs actual	—	—	PENDING

How automatic import works

1. Drop PDFs — any or all 4 monthly files from Caren, in any order
2. Text extracted — PDF.js reads the file client-side; nothing uploaded to any server
3. Parse mode: if a Claude API key is set in Settings, Claude identifies and extracts all GL data precisely. Without a key, a built-in local pattern parser handles standard PPM report formats automatically — no API needed.
4. Dashboard updates — KPI cards, budget vs actual, AR aging, and capital project log refresh automatically
5. Data persists — imported data saved to localStorage; survives page refresh

⬛ Parse mode: LOCAL (no API key) API mode: higher accuracy, handles non-standard layouts

Operating Checking

$238,541

Bank Statement · Book Balance $227,708 · 3/31/2026

RECONCILED

Reserve MMA

$341,300

Bank Statement · Book Balance $340,623 · $677 gap (void pending) · 3/31/2026

31% FUNDED

Total Cash — All Accounts

$579,841

Operating + Reserve · Mar 31, 2026

VERIFIED

HOA Analyzed Business Checking — Operating (XXXXXX2975)

Warfield Enterprises, Inc., Agent · Banc of California · Statement Period: Mar 1–31, 2026

RECONCILED

OPENING BALANCE (2/28)

$231,911.94

TOTAL CREDITS

+$53,256.72

TOTAL DEBITS

−$46,627.64

ENDING BALANCE (3/31)

$238,541.02

Key ACH Debits

Date	Vendor	Amount
02-03	Reserve Transfer (to 1754)	$18,450.00
02-03	First Insurance Funding	$3,852.71
02-06	Frontier Communications	$4,125.98
02-05	Desert Water Agency (×7)	$1,731.12
02-24	SoCal Gas (×3)	$6,783.97
02-23	So Cal Edison	$2,577.87
02-24	Palm Springs District	$1,782.09
02-11/13/17	Spectrum (×4)	$720.19
02-03	Palm Springs Bil Refund	$901.61

Checks Paid (16 enclosures)

Chk	Date	Amount
576	02/04	$930.00
578	02/04	$525.45
580	02/05	$33.90
582	02/10	$315.00
584	02/06	$180.00
585	02/06	$3,400.00
587	02/19	$49.50
588	02/10	$505.00
589	02/17	$675.00
591*	02/23	$744.40
592	02/26	$450.00
593	02/19	$179.63
594	02/23	$1,127.00
595	02/19	$49.50
596	02/20	$3,463.33
597	02/23	$310.00

* Skip in check sequence · Checks 577, 579, 581, 583, 586, 590 outstanding or void

HOA Business MMA Analyzed — Reserve Fund (XXXXXX1754)

Personalized Property Mgmt Co., Agent · Banc of California · Statement Period: Mar 1–31, 2026 · APY 0.75%

31% FUNDED

OPENING BALANCE (2/28)

$345,458.59

TOTAL ADDITIONS

+$18,673.46

Transfer $18,450 + Interest $223.46

TOTAL DISBURSEMENTS

−$23,508.70

Best Price Plumbers (ACH + Ck 50) · Namloop/Pool Care Solutions (Ck 48 + 49)

ENDING BALANCE (3/31)

$341,299.89

Disbursements — March 2026

Date	Payee	Ck#	Amount
03/10	Best Price Plumbers — Stacks 128/228/328 (Inv #9306)	ACH	$17,985.00
03/03	Namloop (Pool Care Solutions) — spa repairs	48	$1,495.00
03/05	Namloop (Pool Care Solutions) — spa repairs	49	$1,628.70
03/31	Best Price Plumbers — 1552 laundry cleanouts (Inv #9323)	50	$2,400.00
Total Disbursements			$23,508.70

Interest & Rate Info

APY Earned0.75%

Interest-Bearing Days31

Net Reserve Change($4,835.24)

Interest Earned Mar$223.46

Interest Earned YTD$1,644.72

⚠ Reserve — Book vs Bank Statement Discrepancy — Being Resolved
Bank Statement: $341,299.89 · Book Balance: $340,623.35 — $677 gap. Gold Star Painting Check #141 (6/14/2023, prior management) posted to Bank Statement but never to books. Caren voiding 4/7/2026; expect to clear in April package.

Daily Balance Snapshot — Operating Account (2975)

March 2026

Date	Balance	Date	Balance	Date	Balance
02/28	$231,911.94	Opening balance (prior month end)
03/31	$238,541.02	Ending balance — assessment collections received

Ending balance 3/31/2026: $238,541.02 · Net change from Feb: +$6,629.08 · March assessment income $53,256.72

FY2026 Deposit Register Summary

September 1, 2025 – March 31, 2026 · Both Accounts · Source: Deposit Register Report

7 MONTHS

Operating Account (2975) — Credits

Category	Amount
Monthly Assessments (102 units × 7 mo)	~$385,625.22
Laundry Income (CoinMach, Oct 30)	$1,294.84
Total Operating Deposits FY2026	$386,920.06

Notable: Acct 29550856 (Scudder #101) — $2,000 delinquency payment 2/15/2026 + $1,000 guest payment 3/9/2026 (via [email protected]). Acct 29550866 on regular ESC (escrow) check schedule. Accts 29550846 (Ck#0011) and 29550825 (Ck#0596) on recurring payment plans.

Reserve Account (1754) — Credits

Category	Amount
Monthly Transfers from Operating (7 × $18,450)	$129,150.00
Interest Earned FY2026 (0.75% APY)	$1,644.72
Total Reserve Deposits FY2026	$130,794.72

Interest Breakdown: Sep $232.61 · Oct $245.42 · Nov $238.90 · Dec $241.69 · Jan $243.63 · Feb $219.01 · Mar $223.46 = $1,644.72

FY2026 Grand Total (Both Accounts): $517,714.78 in deposits · Operating $386,920.06 · Reserve $130,794.72 · Source: Deposit Register Report 9/1/2025–3/31/2026 (filed 4/4/2026)

Special Assessment Operating — XXXXXX3520 · Warfield Enterprises, Inc., Agent · Banc of California · Mar 1–31, 2026 · No activity this statement period. Beginning balance: $0.00 · Ending balance: $0.00 · All fees: $0.00

Association

Association Name

Displayed in header and reports

Total Units

Fiscal Year Start

Month the FY begins

Property Manager

Reserve Fund

SCT Study Target

Fully funded balance per current reserve study

Recommended Monthly Contribution

Current Monthly Contribution

AI / Document Query

Claude API Key

Required for CC&R query and document AI features

AI Model

📊

Financials

Budget, reserves, and operating reports

📄

Budget vs Actual

GL-level detail · FY2026

→

🏦

Reserve Fund

Balance, contributions, projections

→

🏛

Bank Statements

Operating and reserve accounts

→

💰

CDARS / MMF Analysis

Reserve account investment analysis

→

📈

Year-End Financial Summary

Annual P&L and balance sheet

SOON

🏛

Association

Board, governance, and operations

🔨

Capital Projects

Active and completed · FY2026

→

📁

Document Library

CC&Rs, bylaws, governing docs

→

📄

Board Pkg — Mar 2026

Monthly board package · March

→

📄

Board Pkg — Feb 2026

Monthly board package · February

→

📡

Telecom / Frontier Memo

Bulk internet migration analysis

→

📅

Annual Compliance Plan

Reserve study, elections, budget track

→

🏠

Homeowner

Unit-level data and owner records

⚠️

AR Delinquency

Collections aging · 17 accounts · $36.7K

→

🔧

Stack Tracker

Cast iron replacement · 32/94 done (34%)

→

🚪

Cabana Door Work Order

Fascia repair · Walsh WO active

→

🏘

Unit Directory

Owner roster, contact info

SOON

🔩

Maintenance History

Per-unit work order history

SOON

🗺️

Platform Roadmap Reports marked SOON are in active development. Each section will support custom date ranges, PDF export, and board-package integration.