Things fall apart. While in an ideal world, residential associations will have adequate reserves set aside to pay for repair and replacement of big-ticket items for which they have responsibility—things like pavement projects, roof replacement, siding replacement, etc., the reality is that, for whatever reason, when the time comes to replace roads or roofs, communities often find reserves inadequate to pay for necessary repairs to or for replacement of those major items. When that happens, or when other avenues of financing outside of reserves are desirable, what are the options available to residential communities?    Read the entire article……………………………….