Verbatim Florida HOA statute quotes, designed for sub-second responses.
Governing documents side-by-side with the current Ch. 720 language, with citations. No advice. No conclusions. Just the exact text your attorney will accept.
2,300+ automated tests · Legal-advice guardrails live · Full FL Ch. 720 indexed · Adversarial testing before every release
HOAStream is a document assistant that answers board and resident questions by quoting their governing documents side-by-side with FL Chapter 720. No synthesis. No “should.” No legal advice. Just the exact text, cited, 24/7.
For your CAMs: a defensible answer in 10 seconds instead of a 15-minute call to the attorney. For your boards: the statute-plus-document quote they needed last Tuesday.
60-second demo coming soon
Hormozi-style hook: “board wants to fine for not mowing grass” → side-by-side statute + declaration quote.
| Dimension | Calling your attorney | Board secretary / ChatGPT | HOAStream |
|---|---|---|---|
| Turnaround | Days | Minutes to hours | Sub-second on cached questions |
| Cost per answer | Billed at the firm hourly rate | Free but unpredictable | Flat per-HOA subscription |
| Citation discipline | High (written opinion) | Variable or none | 100% verbatim + citation |
| UPL exposure | None, they ARE the lawyer | High (informal advice creep) | Firewalled, banned-word linter on every output |
| Declaration-vintage statute pinning | Manually, per request | Usually missed | Automatic per declaration date |
| Auditability | Firm file + engagement letter | None, chat logs at best | Every answer logged + replayable |
Why this works for CAM-managed portfolios
- One product, every HOA you manage. Per-HOA pricing, white-label optional, no per-seat gotchas.
- Legal-information discipline by design. Every answer is verbatim quote + citation. No opinions, no conclusions, no advice. The product structurally can't drift into UPL territory.
- Board-turnover insurance. New board members get the same answers you'd give, with the same citations, without re-teaching the governance chain every election cycle.
- Built for FL Ch. 720. FL statute is versioned, monitored for amendments, and kept current, your answers don't drift when the Legislature passes HB-xxxx.
Engineering details (adversarial testing, legal-advice guardrails, citation discipline): /trust
Who HOAStream is built for
HOAStream is Service-as-a-Software for the solo-to- small CAM. You run a portfolio of 5-50 HOAs, you ARE the service your clients pay for, and your next-best-alternative to a statute-cited answer is a $250 paralegal hour or a $400 attorney call. HOAStream replaces the routine-research slice of that work, the 30 recurring questions every FL HOA asks each month, while leaving the judgment calls where they belong, with your retained counsel.
This is not an enterprise-CAM product. If you manage 500+ associations across a mid-market platform stack with a dedicated CSM and annual RFPs, you are better served by Vantaca, CINC, or a similar enterprise suite. HOAStream is priced and tooled for the solopreneur or small-firm CAM who wants a Stripe subscription, a Loom onboarding, and a tool that drops into existing workflow the week it is purchased.
Where HOAStream fits in your existing stack
HOAStream is a narrow statute-Q&A layer. It sits alongside the property-management platform you already use, PayHOA, TownSq, AppFolio HOA, Vantaca (including HOAi back-office automation), CondoManager, whatever, and handles the recurring statute-citation questions they were never designed to answer. Your accounting module, dues-collection module, maintenance-ticket module, and resident portal stay where they are. HOAStream is the legal-brain layer.
That means you don't switch stacks to adopt HOAStream, and you don't pay twice for the same feature set. The intended workflow is drop-in: HOAStream sits alongside your current management platform from the day it is provisioned, answering the statute-and-document questions that previously went to the attorney or back to the resident with a delay.
What you get after the email
- 60-second Loom demo showing one specific pain point the product solves.
- A one-page brief: per-HOA pricing, what CAMs get in white-label mode, and the UPL posture.
- Optional: a 15-minute call to scope a closed-beta pilot for 3-5 of your HOAs.
The compliance lane we stay in
HOAStream provides legal information, not legal advice. Outputs are factual statute and document text, we never evaluate your board's specific situation or recommend action. Residents asking for advice get redirected to their attorney or management company. This is the UPL-disciplined posture every answer inherits, at every HOA in your portfolio.
We source CAM contact information only from public B2B sources (FL DBPR CAM directory, management-company websites, LinkedIn), never from HOA member records. FL Ch. 720.303(5)(b) is a hard line; we stay on the safe side of it by construction.
Built by an independent team. HOAStream is not affiliated with the Florida Bar, the DBPR, or any HOA management association.
Florida statute reference library
Thirty-plus walkthroughs covering the Chapter 720 sections CAM teams hit daily, plus the Chapter 712 MRTA piece that catches 1990s-era communities off guard. Every post quotes the statute verbatim and frames it against the operational question boards actually ask.
Collections + assessments
- Budget + reserves annual cycle
- Reserve study + funding plan playbook
- Fidelity bond + financial controls playbook
- Capital projects procurement playbook
- 30/60/90/120-day delinquency playbook
- Assessment lien under F.S. 720.3085
- Payment-application cascade + plans
- Foreclosure six-step sequence
- Special-assessment procedure
- Budgets + reserve-waiver vote
- Reserve-fund accounting rules
- Owner-obligation cost recovery (720.312)
Enforcement + disputes
- Enforcement escalation playbook
- Pre-suit mediation preparation playbook
- Owner complaint intake + resolution playbook
- Community communication + newsletter playbook
- F.S. 720.305(1) prevailing-party fee-shift
- Director conflict cure procedure
- CAM-licensing requirements (Ch. 468)
- Vendor contract annual-review playbook
- CAM selection + hiring playbook
- Selective-enforcement defense
- Recording defects that defeat enforcement
- Pre-suit mediation procedure
- Fine hearing committee rules
- Fine-collection + due-process floor
- Suspended common-area + voting rights
Meetings + governance
- Annual meeting playbook
- Election + ballot integrity playbook
- New board onboarding playbook
- Board meeting agenda + Robert's Rules playbook
- Developer-to-member transition playbook
- Rule change + declaration amendment playbook
- Open-meeting + quorum rules
- 48-hour notice rule
- Resident meeting-recording rights
- Director-election procedure
- Proxy voting + limits
- Director recall procedure
- Declaration amendments
Records + compliance
- Records-request response playbook
- Seller disclosure + estoppel package playbook
- New owner welcome + onboarding playbook
- Annual legal + compliance audit playbook
- Statute tracking + amendment monitoring playbook
- HOA + CDD + master association interaction playbook
- Ten questions to ask an HOA attorney
- Meeting minutes + records retention playbook
- 10-business-day records clock
- Records-inspection carve-outs
- Anti-solicitation rule on member records
- Seller disclosure at property sales
- Estoppel letter regulation
- Records-copy fee rules
- Annual financial report tiers
- Website-posting mandate
- Website + 720.303(4) compliance setup playbook
- Director financial disclosure
Common areas + operations
- Maintenance vs alteration line
- Flag display rights (pre-emption)
- ARB application lifecycle playbook
- ARB procedure + specific-reasons rule
- Insurance + claims window
- Rental restrictions + amendment timing
- Short-term + vacation rental playbook
- Board fiduciary duties
- Solar-access pre-emption
- Insurance renewal + claims playbook
- Community safety + liability playbook
- Amenity booking + reservation rules playbook
- Noise + nuisance enforcement playbook
- Trash + recycling + bulk pickup rules playbook
- Age-restricted + 55+ HOPA compliance playbook
- Fencing + walls + hedge rules playbook
- Exterior paint + color palette playbook
- Cybersecurity + data-breach response playbook
- Board ethics + fiduciary duty + code of conduct playbook
- Pool safety + VGB + DOH 64E-9 compliance playbook
- Playground safety + ASTM F1487 + CPSC compliance playbook
- Pet + animal rules playbook
- Landscaping + lawn maintenance rules playbook
- Parking + vehicle rules playbook
- Gate + access control + security playbook
- Holiday decoration + seasonal rules playbook
- Emergency powers + hurricane response playbook
- Hurricane shutters + impact windows playbook
- Emergency-powers framework
Full chronological archive at /blog.