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
Steam vs Hot Water Boilers: What's the Difference? (2024)
Steam boilers heat water to 212°F and push vapor through pipes, while hot water boilers circulate liquid at 140-180°F using a pump.
Standing Seam vs Corrugated Metal Roofing Compared (2024)
Standing seam metal roofs cost 40-60% more than corrugated panels but last 50 years versus 20-25, with fewer leaks from concealed fasteners.
Standby Generators: The Real Cost to Install and Run (2024)
A 22kW standby generator runs $12,000-$20,000 installed, plus $200-$500 a year in fuel, oil, and maintenance to keep it working.
Standard vs AFCI vs GFCI Breakers: What Homeowners Must Know
AFCI breakers detect arcing that causes 51,000 home fires a year, while GFCI breakers stop shocks near water in as little as 25 milliseconds.
Stair-Step Cracks in Brick: When to Worry (2024 Guide)
A stair-step crack wider than 1/4 inch, or one that runs diagonally through several courses of brick, usually means the foundation is moving.
Stain vs Paint for a Wood Deck: Which Holds Up? (2024)
A quality semi-transparent stain lasts 2-3 years on a deck floor, while paint can last 5-10 years but hides rot until it's serious.
Spring Window Washing & Track Cleaning: A 4-Step Routine
Clean windows and tracks can cut cooling bills 5-10% by letting in more light—and stop sill rot before it starts with a 60-minute spring routine.
Spring Pest Entry Inspection: 4 Foundation Checks to Block Bugs
92% of pest invasions start at ground level—spring is when overwintered insects wake up and look for a way inside your rental or home.
Spring HVAC Wake-Up and System Check: 4 Steps Before You Turn It On
A dormant HVAC system can harbor mold, clogged drains, and electrical issues — a 20-minute spring check cuts repair bills and keeps your summer cool.
Spring Foundation Check: 4 Ways to Spot and Fix Yard Runoff
A single spring storm can funnel 1,000+ gallons at your foundation if gutters, grading, or downspouts fail — here's what to check now.
Spring Exterior Faucet and Hose Reconnection: 4 Steps to Avoid Leaks
Reconnecting outdoor faucets in spring prevents $500–$2,000 in burst-pipe damage. Four checks take 15 minutes and catch freeze damage early.
Spring Deck Inspection: 4 Safety Checks Before First Use
Thirty percent of deck collapses happen when a crowd gathers for the first warm-weather party — most failures start with fasteners you can't see from below.
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