Nightly Idea Factory — 2026-02-19

The Problem

Every HOA must maintain a reserve fund for major capital expenses — roof replacement, road repaving, pool resurfacing, elevator overhaul, building painting. Most communities pay $3,000-$8,000 every 3-5 years for a professional reserve study that produces a thick PDF nobody reads between studies. In the gap, the fund drifts: actual costs exceed estimates, components deteriorate faster than expected, and inflation erodes purchasing power. When the shortfall becomes undeniable, the board faces an emergency special assessment — a one-time bill that can run $5,000-$50,000 per homeowner. After the Surfside condo collapse in 2021, Florida (SB 4D), California (SB 326), and other states mandated stricter reserve funding requirements. Boards that can't demonstrate adequate funding face personal liability and regulatory penalties.

The Solution

ReserveSight is a living reserve planning dashboard that replaces the static PDF study. Upload your existing reserve study (AI parsing) or build from scratch. Define every major component: roofs, roads, pools, HVAC, elevators, painting, fencing, etc. For each, set the useful life, current age, replacement cost, and annual inflation rate. ReserveSight runs the 30-year projection: when each component needs replacement, total funding requirement, current reserve balance vs. required balance, and the monthly contribution needed to close the gap. "What-if" scenarios let boards model options: "What if we defer roof replacement 3 years?" "What if we do a $2,000 special assessment now vs. increasing monthly contributions $15/mo?" A state compliance checker flags whether your funding level meets FL SB 4D, CA SB 326, or other state thresholds.

Portfolio Connection

Direct Sea Pines operational knowledge — reserve fund management and special assessment planning are annual board-level concerns that consume meeting time and create homeowner anxiety. Complementary to DuesCollect (which collects the assessments that fund the reserves) and AssessmentIQ (which explains the assessment to residents). ReserveSight answers "how much should we be collecting?" — DuesCollect answers "how do we collect it?" — AssessmentIQ answers "why are we paying this?"

Tech Stack

Next.js, Tailwind v4, shadcn/ui, Recharts for financial visualizations (area charts, bar charts, timeline), Supabase (auth + DB), react-pdf for board report generation, Vercel

Monetization

SaaS — $39/mo (up to 20 components, basic projections), $89/mo (unlimited components + what-if scenarios + state compliance checker + board-ready PDF reports), $179/mo (management company, multi-community portfolio view, component template library, benchmark data). Target: 50 communities at $89/mo = $4,450/mo within 12 months.

MVP Scope

• -Community setup: name, total units, current reserve balance, current monthly contribution rate
• -Component registry: add components (roof, pool, roads, HVAC, elevator, etc.) with useful life, current age, replacement cost, annual inflation rate
• -30-year capital expenditure timeline visualization (Recharts stacked bar + funding line)
• -Funding status dashboard: current balance vs. required balance, percent funded, gap amount
• -Contribution calculator: what monthly increase closes the funding gap over N years?
• -What-if scenario builder: defer replacement, add special assessment, change contribution rate, adjust inflation
• -State compliance checker: flag underfunded reserves per FL SB 4D / CA SB 326 thresholds
• -Board-ready reserve summary report (PDF export with charts, component table, funding projections)

Scoring Breakdown