What do I need to use HOA Decoder?

The documents; How they plan to live; Current dues and any known assessments.

Is HOA Decoder free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

HOA Decoder

Q: How do I know the HOA Decoder output is good?

The skill verifies itself against its own quality checks: Restrictions are ranked by this buyer's stated lifestyle, not document order; Special-assessment mechanics are quoted; "no cap stated" is itself flagged 🔴; The enforcement chain is traced step-by-step from the actual text; The records-to-request list is concrete, with why each matters.

🔵 Stable🕐 updated 2026-07-14 🔷 SkillSpec L3 pm-decoders

Decode HOA covenants (CC&Rs) and the fee structure before you buy into them. Use when someone asks 'what do these HOA rules actually mean', 'decode these CC&Rs', 'is this HOA going to be a problem', or 'what should I check before buying in an HOA'. Produces a restriction decode ranked by lifestyle impact, special-assessment exposure analysis, enforcement and fine mechanics, and the exact records to request before buying.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

What to give it

▸The documents — CC&Rs, bylaws, rules, fee/budget pages. Decode whatever is provided; reserve study, budget, and minutes usually aren't in the CC&Rs — flag them as records to request.

▸How they plan to live — pets, vehicles, home business, renting someday, renovations. Ranking depends on this.

▸Current dues and any known assessments — , if not in the text.

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓Restrictions are ranked by this buyer's stated lifestyle, not document order

✓Special-assessment mechanics are quoted; "no cap stated" is itself flagged 🔴

✓The enforcement chain is traced step-by-step from the actual text

✓The records-to-request list is concrete, with why each matters

✓Documents not provided (reserve study, minutes, budget) are named as gaps

✓The disclaimer line appears verbatim in the artifact

⚠️ What it refuses to do

Do not invent restrictions or powers that aren't in the documents

Do not soften a red flag to seem balanced — an uncapped assessment power is a blank check

Do not present jurisdiction-dependent rules (lien/foreclosure powers, enforceability) as universal

Do not rank by how strict a rule sounds — rank by whether it touches this buyer's life

Do not skip the financial-health questions — CC&Rs alone never show a broke HOA

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="hoa-decoder"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

HOA Decoder is one of 625 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog