Okoniq Journal
Property tips, taxes & HOA guides
Plain-language guides for homeowners, landlords, and HOA boards — written to help you stay organized and keep more of your money at tax time.
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Getting Started
New to managing property? Start here.
Taxes & Accounting
Deductions, basis, Schedule E, and staying audit-ready.
Renting & Tenants
Leases, rent, screening, and tenant relationships.
Maintenance & Repairs
Upkeep, vendors, and keeping a home in shape.
Mortgage & Money
Financing, refinancing, insurance, and cash flow.
Buying & Selling
Valuation, prepping to sell, and the closing process.
HOA & Community
Boards, reserves, meetings, and living in an HOA.
Latest articles
How Roof Age Affects Your Home Insurance Rates & Coverage
Roofs older than 20 years often get cash-value payouts instead of full replacement cost, and some insurers won't write new policies past age 15-20.
How Property Taxes Are Prorated at Closing (Simple Guide)
Property taxes are split between buyer and seller based on who owned the home on each day of the tax year, calculated to the exact day of closing.
How Property Tax Escrow Works: A Homeowner's Guide
Property tax escrow lets your lender collect 1/12 of your annual tax bill each month, then pay the county on your behalf when it's due.
How Owners Can Force a Special HOA Meeting (2024)
Most HOA bylaws let owners force a special meeting once 10-25% of members sign a written petition on a specific topic.
How Often to Test Private Well Water (and What For)
Private well owners should test water once a year for bacteria and nitrates, and more often after floods, repairs, or a change in taste or smell.
How Often to Pump a Septic Tank Based on Household Size
A typical 1,000-gallon septic tank needs pumping every 3-5 years for a family of four, but usage and tank size shift that timeline a lot.
How Often Should You Update Your Home Inventory? (2024)
Update your home inventory at least once a year, plus immediately after any purchase over $500 or any storm, fire, or theft event.
How Often Should an HOA Update Its Reserve Study? (2024)
Most states expect a full HOA reserve study every 3-5 years, with a desk-top update every year in between to keep the numbers honest.
How Often Can You Refinance a Mortgage? No Limit, But Wait For This
There's no legal cap on refinancing a mortgage, but most lenders require a 6-month seasoning period and each refi typically costs 2-6% in closing fees.
How Much to Budget for Home Maintenance Each Year: 1% Rule
Most financial planners recommend setting aside 1% to 4% of your home's value each year for maintenance and repairs, adjusted for the home's age.
How Much Should an HOA Keep in Its Operating Account?
Most HOAs should hold 3-6 months of operating expenses in cash, separate from the reserve fund used for roofs, paving, and big repairs.
How Much Salt Your Water Softener Really Needs (2024)
Most water softeners need 40-80 lbs of salt refilled every 4-6 weeks, but the right amount depends on your household size and water hardness level.
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