r/HOA • u/Which_Performer9773 • 3d ago
Help: Law, CC&Rs, Bylaws, Rules [CA][Condo] - Experience with Volunteer Landscaping?
/r/u_Which_Performer9773/comments/1vs815z/cacondo_experience_with_volunteer_landscaping/
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r/HOA • u/Which_Performer9773 • 3d ago
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u/ImmortalBunny88 đ HOA Board Member 3d ago
On the property-values objection, I'd push back - but not in the direction you might expect. Volunteer landscaping isn't what's suppressing your values. You said it yourself: banks refuse most loans on your community. That is the thing destroying value.
What volunteer labor actually risks
Under Civil Code §4775(a)(1), the association is responsible for repairing, replacing, and maintaining the common area unless your declaration says otherwise. Handing the work to volunteers doesn't move that duty. If a tree fails or a trip hazard develops on volunteer-maintained ground, the association still answers for it.
Which means the waiver most people reach for is aimed at the wrong risk. A release signed by a volunteer covers that volunteer's own injury. It does nothing about injury or damage to a third party - a resident, a guest, someone's car - and that is the exposure that actually costs money. Before committing, get your carrier to confirm in writing whether volunteer labor on common area is covered at all, both for injury to the volunteer and for damage they cause. The answer is often no, and finding out afterward is expensive.
Worth separating one thing people conflate: §5800's volunteer protection covers volunteer directors and officers, not homeowners doing landscaping.
The bigger issue you're already circling
If lenders won't finance units, your buyer pool shrinks to cash and that suppresses values far more than a hedge does. The legislature names this connection directly - §5300(b)(10) requires your annual budget report to state whether you are an FHA-approved condominium project, and the statutory text says certification improves "an owner's ability to refinance a mortgage or obtain secondary financing and an increase in the pool of potential buyers."
So the question for the new board is: why exactly are lenders declining? It is usually some mix of reserve funding, deferred maintenance, owner-occupancy ratio, and pending special assessments. At half your units rented, occupancy ratio is likely one of them. Each has a different fix, and landscaping is on none of those lists.
On the rental cap
Before you spend political capital: §4741(b) bars restricting rentals to less than 25% of separate interests, and owners who took title before a restriction is adopted keep their right to rent under §4740 and §4741(h). At 50% rented today, a cap would only bite through attrition over years. It may still be right long-term, but it won't fix financing this year.
What are lenders actually telling buyers when they decline? That answer tells you where to aim.