CAPITAL & RESERVE FUNDING PLANNING
See the Financial Impact Before You Make the Decision
The CRF Modeler is a proprietary planning tool that brings your Reserve Study, current financial information, capital requirements, and funding assumptions together in one planning environment—so your Board can evaluate alternatives before committing to a funding strategy.
Model the consequences. Compare the tradeoffs. Make the decision with greater confidence.
A Planning Model Built Around Your Association
The CRF Modeler is customized using your association’s Reserve Study, financial statements, budget, reserve balances, capital-project assumptions, and selected funding variables. It provides a forward-looking view of how different decisions affect reserve levels, owner assessments, financing requirements, and long-term financial stability.
RESERVE FORECASTING
Follow reserve activity over time
Track projected reserve contributions, expenditures, interest, project inflows and outflows, and year-end reserve balances.
OWNER IMPACT
See assessment effects over time
See how regular assessments and special assessments affect the average owner over time.
FINANCING OPTIONS
Evaluate borrowing and repayment
Evaluate association borrowing, lines of credit, owner-financed special assessments, repayment schedules, and related assumptions.
SCENARIO VARIABLES
Test changes before committing
Test changes in reserve contributions, inflation, project timing, financing terms, and other key variables.
The CRF Modeler Dashboard
The Dashboard brings the association’s reserve outlook, owner-assessment impact, financing alternatives, and principal funding assumptions into one coordinated view.
Reserve Balance Forecast
Assessment Impact on Owners
Loan & Special Assessment Scenarios
Capital & Reserve Funding Assumptions
Illustrative example. Financial information does not represent an actual condominium association.
What Can the CRF Modeler Help Your Board Evaluate?
The Modeler supports informed analysis by making the financial effects and tradeoffs of alternative funding approaches easier to examine.
- How much should we contribute to reserves each year?
- What happens if major projects are accelerated or delayed?
- How much of the capital plan can reasonably be funded from existing reserves?
- What level of regular assessment increase may be required?
- Should part of the funding come from a special assessment or chargeback?
- What would association financing do to annual cash flow and owner impact?
- How do different loan terms affect repayment obligations?
- What happens to reserve balances under different funding combinations?
- How does the funding strategy affect the average owner?
- Which combination of funding sources produces the most practical long-term result?
The CRF Modeler does not automatically decide what the Board should do. It provides a disciplined analytical framework that supports informed judgment and decision-making.
Compare Scenarios Before Committing to One
Capital funding decisions rarely involve a single variable. The CRF Modeler allows different combinations of reserves, regular assessments, special assessments, financing, and project timing to be evaluated side by side.
Reserves
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Regular Assessments
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Special Assessments
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Financing
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Project Timing
The goal is not simply to make the numbers work. It is to identify a funding strategy that meets the association’s capital requirements while maintaining financial sustainability and managing the impact to owners.
The CRF Modeler does not replace a Reserve Study or professional engineering analysis. It uses that information, together with the association’s financial data, to evaluate alternative capital funding strategies.
The Modeler Is One Part of the Planning Process
The CRF Modeler provides the analytical framework. The broader planning process also includes refining current project information, validating assumptions, evaluating tradeoffs, developing recommendations, and supporting the Board’s decision-making process.
Use the Modeler With the Level of Support You Need
FULL-SERVICE
Professional guidance through the decision
We customize the CRF Modeler, analyze funding alternatives, develop recommendations, and support Board and owner communication.
CUSTOMIZED PLANNING
A customized model for association-led analysis
We build the customized planning model and provide the tools and training your association needs to conduct its own analysis and decision-making.
Returning clients can refresh an existing model annually without repeating the original customization process.
See What Your Funding Options Could Look Like
Tell us about your association, your upcoming capital needs, and the funding challenges your Board is facing. We’ll schedule a complimentary 30–45 minute conversation to discuss your situation and whether the CRF Modeler may be useful.
No obligation. We’ll discuss your situation, the level of assistance you may need, and whether Condo Capital Planning is a good fit.