Estoppel Certificate.  Resale Certificate.  Resale package.  Whatever the name, the information inside is critical.

Who do you trust to tell you the full story about the home you want to buy?  Purchasing a home in a condominium, co-op or homeowners association (HOA) requires due diligence that goes above and beyond.  Your attorney, CFP and realtor have years of experience in their respective fields, but may not have the requisite skills to analyze your resale certificate or to explain the benefits, challenges and risks of community association ownership.  Property due diligence can help you avoid a $100,000+ special assessment

Don't regret!  Get SMAARTE before you sign on the dotted line to purchase a condominium (COA), co-op or HOA property.


We've spent thousands of hours getting to know community associations through financial statements, resale certificates, governance and operations.

Learn about Resale Certificates, Reserve Funds and Reserve Studies.

Resale Review from the SMAARTE Group delivers:

balance sheet, income and expense ledger, and current operating budget

declaration and bylaws, rules and regulations (R&Rs), policies, procedures and resolutions

lease restrictions, occupancy restrictions, right of first refusal and restraints on alienability

✅ master insurance

meeting minutes

✅ pending lawsuits / civil actions and unsatisfied judgments

reserve study (read The Myth of Full Funding)

✅ ... and more!

What's the Process?

1️⃣ purchase a review package

2️⃣ submit your documents -OR- hold a scheduled call / web meeting

3️⃣ receive the written review and discuss on a scheduled call / web meeting (based on your review package)


SMAARTE Giving = Stronger Communities

We pledge to donate 5% of our annual net profit to community organizations in the neighborhoods and cities where our clients live and work.

The SMAARTE Guarantee

100% accountability means we guarantee you will always get what you pay for.  

We will happily refund related professional fees if our service fails to match our promise.