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The Fennec Lab

NRS 116 + super-priority lien

Nevada HOA Calculators

Nevada common-interest community calculators under NRS 116 (the Common Interest Ownership Act): the famous nine-month super-priority lien doctrine from SFR Investments, the NRS 116.31162-116.31166 nonjudicial foreclosure timeline, CAM supervised-hour accumulation, reserve-study percent-funded disclosure, and the NRS 116 voting thresholds.

Anchored to: NRS 116 (Common Interest Ownership Act); NRS 645 CAM licensure; SFR Investments Pool 1 LLC v. U.S. Bank

9 calculators live. Reviewed against current statute and regulation. Last updated 2026-05-16.

Most-used calculators

NRS 116.3116(1) (automatic association lien for unpaid assessments under the Nevada Common-Interest Ownership Act

Nevada HOA Super-Priority Lien Calculator

Allocate a Nevada community-association lien under NRS 116.3116(2)(b) into its super-priority piece (the nine-month carve-out that is senior to the first deed of trust and that, if foreclosed nonjudicially, extinguishes the first DOT under SFR Investments Pool 1 LLC v. U.S. Bank, N.A., 130 Nev. 742 (2014)) and its sub-priority piece (assessments above nine months, late fees, fines, interest, collection costs — junior to the first DOT). Reports the super-priority dollar amount, sub-priority dollar amount, total lien, the super-priority piece as a percentage of the first-mortgage balance, the LTV, the equity cushion, and an extinguishment-risk band that flags when the first mortgagee may strategically forfeit the deed of trust rather than tender. Tool, not advice — coordinate any tender, foreclosure-sale, or super-priority allocation with Nevada-licensed collection counsel.

NRS 116.31162 (notice of delinquent assessment for an association lien under Chapter 116

Nevada HOA Foreclosure Timeline Calculator

Project the procedural timeline for a Nevada community-association nonjudicial foreclosure under NRS 116.31162-116.31166: thirty-day cure window after the notice of delinquent assessment under NRS 116.31162, ninety days between the notice of default and election to sell under NRS 116.31163 and the recording of the notice of sale, twenty days of publication for the notice of sale under NRS 116.31164, conduct of sale under NRS 116.31165, and the sixty-day owner-redemption period after the deed of foreclosure under NRS 116.31166 (Nevada-specific). Reports the earliest permissible notice of default date, earliest notice of sale date, earliest sale date under the statutory minimum, realistic sale date with operational slack, total days from first delinquency, and the owner-redemption deadline. Tool, not advice — Nevada nonjudicial-foreclosure procedural defects routinely void sales on owner challenge; coordinate with Nevada-licensed collection counsel and the foreclosure trustee before recording any notice.

NRS 116.31152 (Nevada reserve-study requirement — reserve study commissioned by a qualified analyst at least once every five years

Nevada HOA Reserve-Study Funding Calculator

Project Nevada community-association reserve funding under NRS 116.31152 (reserve study required every five years, annual disclosure of percent-funded on Nevada Real Estate Division Form 350) and NRS 116.3115(2)(b) (reserve adequacy as board fiduciary duty). Computes current percent-funded under the Community Associations Institute and Association of Professional Reserve Analysts (CAI / APRA / CRA) framework with banding (poorly funded, fairly funded, well funded, fully funded), the projected balance and percent-funded at year 30 given a planned contribution stream and inflation-and-investment-return assumptions, and the year-1 contribution required to hit a target percent-funded by year 30. Tool, not advice — commission a CAI / APRA / CRA-credentialed reserve analyst for the binding funding plan and the NRS 116.31152 disclosure.

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Grouped by who tends to use each tool. Many calculators serve more than one audience.

For boards & directors

Decision-grade tools for the items that hit the agenda — assessments, reserves, fines, votes.

For LCAMs & community managers

Operational tools for the day-to-day: estoppel preparation, statutory cap verification, hearing procedure.

For unit owners

Verify a notice, check a fine, or understand the lien exposure on a delinquent account before acting.

For attorneys

Statutory citation-level analysis suitable for client memoranda and procedural verification.

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How these calculators are maintained

Every YMYL calculator is reviewed quarterly and after every legislative session in the jurisdiction it covers. Citations are link-validated monthly against the relevant statute and regulation websites. The methodology page documents the discipline.

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