A reserve study is valid for lenders up to 36 months — but lending rules and your association's finances can change every year. ADCR is a desktop-based compliance check, performed annually, that confirms your funding plan still clears current lending standards without a full re-inspection.
Fannie Mae's requirement that reserve studies fund at the highest recommended level — effective for applications dated August 3, 2026 — means a study that qualified last year can fall out of compliance this year if the board hasn't adjusted contributions to match.
Most reserve study providers check in once every three years, right before the study expires. ADCR closes that gap by reviewing your current budget against lending requirements every single year, so drift gets caught early — not at closing.
Full Reserve Studies stay valid for lenders up to 36 months. ADCR fills the years in between.
On-site Professional Engineer inspection, full component inventory, and funding plan.
Desktop review confirms the funding plan still meets the highest recommended level under current lending rules.
A second check-in before the study reaches the 36-month lender expiration.
A refreshed on-site inspection restarts the cycle before the prior study expires.
Add ADCR to your Subscription and get an annual compliance read built specifically for the lending standards.