Self-managed HOA ops with a legal pre-send scanner and published flat tiers from $69/mo.

Board-Armor (also styled BoardArmor on the site) is cloud HOA software aimed at self-managed volunteer boards. The public pitch is one workspace for dues, violations, documents, compliance, insurance tracking, voting, amenities, and resident self-serve — with AI layered on legal risk screening, CC&R Q&A, delinquency reminders, and treasurer reporting. The footer identifies Board-Armor, LLC (Portland, OR) and support at hello@board-armor.com.

Pricing on the homepage (researched September 25, 2026) is a clean flat-tier story: Starter $69/mo for up to 75 units, Pro $109/mo for 76–150 units, and a $299/mo tier for 151+ units. The vendor states every feature is included on every plan; the published differences are unit count and monthly email volume (500 / 1,500 / unlimited). Annual billing saves 20%. A 30-day free trial requires no credit card; the FAQ says nothing is charged automatically after the trial until you add a payment method, and cancellation is month-to-month with no contract fee. Confirm live amounts and annual dollars before a board vote.

On money and ops, Board-Armor goes past a dues-only portal. The homepage markets a double-entry general ledger (chart of accounts, journal entries, trial balance, balance sheet), Plaid bank feed, and an AI-written monthly treasurer narrative. Dues include real-time balances, payment history, AI delinquency risk scoring, and automated day-7 / 30 / 60 reminders. Residents get a mobile portal with Apple Pay and Google Pay. Physical letters can go out via a USPS one-click mailer (Lob API) — per-piece mail costs are not printed as a fixed schedule on the homepage, and card/ACH processing sits with Stripe, so budget those separately.

The differentiating claim is the legal pre-send scanner: outgoing messages scored for Fair Housing, improper ESA denial, due process, defamation risk, and related categories, with an AI rewrite option. A compliance auditor is marketed with pre-loaded statutes for OR, CA, FL, TX, NV, AZ. Document Vault answers plain-English questions with quoted CC&R/bylaw sections. Insurance and risk features include policy/COI tracking, a claim tracker, pre-loss property documentation, and an emergency response center. Those are strong differentiators on paper for volunteer boards that worry about notice wording — and they are still vendor claims until your attorney and trial prove fit. This research pass did not find a clear Board-Armor G2 or Capterra review profile or a dense r/HOA customer thread under this exact brand; homepage testimonials and a “500+ HOA boards” line are marketing, not third-party ratings. Do not mix this product up with HOA Armor (hoaarmor.com) or other similarly named tools.

Who it is for: a self-managed board that wants published flat pricing, AI help on high-risk notices and governing-document Q&A, and a single login for dues through treasurer reports — especially where Starter or Pro land under ~150 units. Who should keep looking: large CAM portfolios that need proven multi-entity fund accounting and a long peer-review trail, or boards that will not adopt without independent customer proof — start with self-managed boards and accounting / reserve, and compare day-to-day fit and pricing transparency against PayHOA, Stewardly, HomeHerald, and DuesBoard.

Sources

Official site / pricing / feature claims / FAQ: board-armor.com
Third-party review skim: no clear Board-Armor G2/Capterra profile or r/HOA customer thread found in this Sep 25, 2026 pass; similarly named HOA Armor is a different product

Best for

Self-managed volunteer boards that want published flat pricing plus AI help on Fair Housing / ESA-risk notices, CC&R Q&A, dues, and a double-entry treasurer desk — especially communities roughly under ~150 units where Starter or Pro land.

Pricing notes

Official homepage pricing (researched Sep 25, 2026) — Starter $69/mo up to 75 units (all 10 AI features, homeowner directory & dues ledger, legal pre-send scanner, violation letters & compliance auditor, document vault & AI legal advisor, mobile portal & electronic voting, up to 500 emails/mo); Pro $109/mo for 76–150 units (same feature set, up to 1,500 emails/mo); large-community tier $299/mo for 151+ units (same feature set, unlimited emails/mo). Vendor states every feature is included on every plan — unit count and monthly email volume are the only published differences. Annual billing saves 20%; cancel anytime, no contracts or cancellation fees per FAQ. 30-day free trial with no credit card required; after trial nothing is charged automatically until a payment method is added. Payments processed by Stripe (BoardArmor says it never stores full card numbers); USPS physical mail via Lob API is offered as one-click mailer — per-letter Lob/USPS costs are not printed as a fixed schedule on the homepage, so confirm mail and any ACH/card processing pass-throughs in trial. Do not confuse with HOA Armor (hoaarmor.com) or other similarly named products. Verify live amounts on board-armor.com before a board vote.