Fannie Mae and Freddie Mac only accept reserve studies completed within the last 36 months. Our update service refreshes your study before it expires — and before your lender notices.
A study older than three years is treated by lenders as unreliable, forcing the project back to the default reserve requirement or full ineligibility.
Our 36-Month Update revisits your original inspection, verifies component conditions and costs, and re-certifies your funding plan against current lending standards — including the highest-recommended-level requirement effective August 3, 2026.
Add Subscription and ADCR so your board knows well before month 36 that an update is due — no scrambling before a sale or refinance.
Learn about ADCR →Send us your current report date and we'll confirm your renewal timeline.