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How to write your Reserve Study

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This set of templates was selected for the creation of a reserve study to ensure that a building complex such as a condominium has sufficient cash reserves on hand and projected for the future.

You can also create countless variations of this document to suit your needs using the included library of 2200+ chapters.
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Components of a Reserve Study

There is no one-size-fits-all template for a reserve study. Proposal Kit templates can be customized as needed to fit any situation using the extensive chapter template library. Here are some key chapters typically included in this type of template. Use this template as your starting point and customize it as needed using the software included with each Proposal Pack or the Professional bundle.

Cover Letter

The Cover Letter serves as an introduction to the Reserve Study. It briefly explains the purpose of the study and provides contact information for the preparer. It sets the context for the reader to understand the importance of maintaining adequate cash reserves for the building complex.


The Introduction provides a general overview of what the Reserve Study will cover. It highlights why the study is important for the financial health and longevity of the condominium complex.

Executive Summary

The Executive Summary condenses the main points of the Reserve Study into a concise format. This section includes key findings and recommendations, giving stakeholders a snapshot of the study's conclusions.

Present Situation

This chapter describes the current financial status and physical condition of the building complex. It outlines existing reserves and ongoing maintenance practices.

Goals and Objectives

The Goals and Objectives section aims to define what the Reserve Study seeks to achieve. It sets measurable goals for future financial planning and maintenance strategies.


The Maintenance chapter details the ongoing maintenance activities required to keep the building complex in good condition. It discusses routine tasks and their frequency to ensure long-term viability.


The Methodology section explains the processes and techniques used to gather data and perform the Reserve Study. It ensures transparency and reliability in how the study's conclusions were derived.


This chapter outlines potential repair needs for the building complex, along with estimated costs and timelines. It helps in understanding future financial commitments and planning accordingly.


Projections provide an estimate of future financial needs based on current data. This chapter includes financial forecasting to ensure that adequate reserves are available when needed.


The Limitations chapter describes any constraints or factors that may affect the accuracy or completeness of the Reserve Study. It is crucial for understanding any potential risks or uncertainties.


The Reserves section details the current reserve funds available and their allocation. It provides a comprehensive view of the reserve accounts and their sufficiency.


This chapter outlines the legal and regulatory requirements that the condominium complex must adhere to. It ensures compliance with all relevant statutes and guidelines.


The Accuracy chapter details the methods used to ensure the precision of the data and calculations in the Reserve Study. It underscores the reliability of the study's findings.


The Inspection section describes the physical inspections conducted as part of the Reserve Study. It includes findings from these inspections to validate the current condition of the building complex.

Cash Flow Analysis

This chapter provides an in-depth analysis of the cash flow, outlining how money will be allocated over time to meet future financial needs. It is crucial for long-term financial planning.


The Expenses section details the expected costs associated with maintaining and repairing the building complex. It provides a breakdown of recurring and non-recurring expenses.

Hidden Costs

This chapter highlights any potential hidden costs that may not be immediately obvious. It helps stakeholders prepare for unexpected financial needs.


The Recommendations section provides actionable advice based on the findings of the Reserve Study. It includes strategies for improving financial stability and maintaining the building complex.


The Inventory chapter lists all the physical assets and their conditions. It is important for understanding what needs maintenance or replacement.


The Facilities section describes the amenities and infrastructure of the building complex. It provides context for the overall maintenance and repair needs.


The Disclosures chapter outlines any conflicts of interest or other relevant disclosures that stakeholders should be aware of. It ensures transparency and accountability.


The Definitions section provides explanations for any technical terms or jargon used in the Reserve Study. It helps ensure that all readers clearly understand the document.

Examples of projects a Reserve Study may be used for

This document can be used in many contexts and has various uses depending on the needs. Depending on your situation, customize the chapter list as needed using a Proposal Pack or the Professional bundle.

  • Planning annual maintenance budgets
  • Assessing the need for special assessments
  • Long-term financial planning
  • Preparing for major repairs or replacements
  • Ensuring compliance with legal and regulatory requirements
  • Securing loans or other financial instruments
  • Communicating financial health to stakeholders
  • Identifying potential future financial risks
  • Prioritizing maintenance and repair tasks
  • Preparing for unexpected financial needs
  • Establishing reserve fund contribution levels
  • Reviewing the funding adequacy of existing reserves
  • Informing decision-making for property management
  • Setting financial goals for the condominium complex
  • Providing a basis for insurance evaluations
  • Aiding in asset management and inventory control
  • Preparing for property sales or transfers
  • Enhancing transparency in financial planning
  • Reviewing financial strategies annually
  • Supporting board presentations and meetings


Also Known As

The Reserve Study may also be referred to in different ways or be used in more specialized situations, such as:

  • Financial Planning
  • Maintenance Fund
  • Condominium Budget
  • Asset Management
  • Cash Flow Forecast
  • Building Reserves
  • Property Management
  • Capital Improvement
  • Expense Projection
  • Reserve Fund Analysis



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Chapter Templates Used in the Reserve Study

Cover Letter, Title Page, Table of Contents, Introduction, Executive Summary, Present Situation, Goals and Objectives, Maintenance, Methodology, Repairs, Projections, Limitations, Reserves, Requirements, Accuracy, Inspection, Cash Flow Analysis, Expenses, Hidden Costs, Recommendations, Inventory, Facilities, Disclosures, Definitions, Back Page

You use this this proposal for

  • Business document, study, plan, report
  • Real estate, property proposal

How to create the Reserve Study with Proposal Pack Wizard

You can create this document using any of the logo-designed Proposal Packs. Pick any Proposal Pack with a logo design theme you like best; they will all work equally well. The Proposal Pack for Any Business is the pack with no extra added logos or colors - designed to be used plain or for you to customize with your logos and graphics.

The Proposal Pack design theme you purchase will determine the visual look of this template. The screenshot above only shows the plain generic design theme. Names and stories in examples are fictional; however, the templates are from real client use cases.

We include a library of chapters to be assembled based on your needs. All proposals are different and have different needs and goals. We designed Proposal Pack so you can customize the documents to suit your needs.

You will best create this document using the Proposal Pack Wizard - Expert Edition software to select this template and build it in the Proposal Pack logo design theme of your choice along with any desired customizations (such as adding additional chapters, removing unneeded chapters, changing the order of chapters, and importing your company logo). This template outlines a proposal for the described situation. Each user is responsible for typing in the actual content of the provided pages with their information to complete the proposal.

You create this template using the Wizard software with an entire Proposal Pack library and software. We include the Expert Edition of the software in the Proposal Kit Professional bundle. Microsoft Word for Windows is required to use the customizing software.

You can also edit Word document templates in other office software such as Word for Mac. We will assist Mac users in assembling this template - Reserve Study - for their first project if they do not have the required platform to run the Wizard software.

We typically include more chapters in the templates than most people will need to give everyone more variety in the chapters they may need. You can trim down a long template by removing pages you do not need or combining multiple chapter topics into one page.

How to Build Templates Featured on Proposal Kit Website

Many people find the Proposal Kit website after searching for a specific proposal. Once you've purchased and installed the software, how do you build that template you found in the first place? This video shows you how to build any proposal you see on the Proposal Kit website.

Key Takeaways

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