HOA Whisperer: AI HOA Document Review

Upload your HOA docs, get a clear AI-powered red-flag report in minutes. Built for California condo and townhome buyers by Aradhana Bhandary. $19.99 flat fee, no subscription.

What HOA Whisperer Checks

Reserves and financial health, special assessments, pending litigation, insurance coverage, rental restrictions, pet and parking rules, and other red flags California condo and townhome buyers routinely miss.

Updated for New California HOA Laws in 2025 and 2026

The report reflects recent Davis-Stirling changes: SB 326 and Civil Code Section 5551 balcony and deck inspection requirements with a January 1, 2026 deadline, SB 410 making the most recent exterior elevated element inspection report a required seller disclosure under Civil Code Section 4525, AB 130 capping most non-safety fines at $100 with a dispute-resolution step before a hearing, SB 900 utility restoration and emergency assessments, and SB 625 protecting the right to rebuild after a declared disaster. It also flags conditions that can make a condo project non-warrantable for Fannie Mae or Freddie Mac financing.

Who It's For

First-time condo buyers, out-of-state relocators, and any California homebuyer who wants a plain-English second opinion on a stack of HOA documents before closing.

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