Agent skill

Hoa Decoder

by mohitagw15856 in mohitagw15856/pm-claude-skills

Decode HOA covenants (CC&Rs) and the fee structure before you buy into them.

MITAuto-check passed

Install Hoa Decoder

skills CLI
$ npx skills add mohitagw15856/pm-claude-skills --skill hoa-decoder -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install mohitagw15856/pm-claude-skills hoa-decoder --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/hoa-decoder .claude/skills/hoa-decoder && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
hoa-decoder
GitHub stars
1.4k
Token cost
~1.3k tokens
SKILL.md length
636 words
Files
2 (incl. references)
Skills in repo
1,322
Repo updated
First seen
Licence
MIT

At a glance

Decode HOA covenants (CC&Rs) and the fee structure before you buy into them.

  • Someone asks what do these HOA rules actually mean
  • SKILL.md covers What This Skill Produces, Required Inputs, Framework: Severity Scale and Output Format, plus 4 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
  • Decode these CC&Rs

What it does

Hoa Decoder is an agent skill from mohitagw15856/pm-claude-skills. Decode HOA covenants (CC&Rs) and the fee structure before you buy into them. Use when someone asks 'what do these HOA rules actually mean', 'decode these CC&Rs', 'is this HOA going to be a problem', or 'what should I check before buying in an HOA'. Produces a restriction decode ranked by lifestyle impact, special-assessment exposure analysis, enforcement and fine mechanics, and the exact records to request before buying.

Its SKILL.md is about 1.3k tokens, which your agent loads only when the skill is triggered. The skill folder holds 2 other files, including reference files (for example `references/worked-example.md`).

The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.

When your agent uses it

  • Someone asks what do these HOA rules actually mean
  • Decode these CC&Rs
  • Is this HOA going to be a problem
  • What should I check before buying in an HOA

Example prompts

  • “what do these HOA rules actually mean”
  • “decode these CC&Rs”
  • “is this HOA going to be a problem”
  • “/hoa-decoder”

What it can do on your machine

Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Hoa Decoder loads about 1.3k tokens when it runs, and up to ~2.3k if it reads all its reference files. Until then it costs about 109 tokens; SKILL.md has 636 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~109
When it runs · the whole SKILL.md, loaded when a task matches
~1.3k
With references · SKILL.md plus every file in references/, read only if the agent opens them
~2.3k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 636 words, ~1,276 tokens.

Download SKILL.mdSave it as .claude/skills/hoa-decoder/SKILL.md (or your agent's skills folder). This skill also uses 1 other file; get the full folder from GitHub.
name
hoa-decoder
description
Decode HOA covenants (CC&Rs) and the fee structure before you buy into them. Use when someone asks 'what do these HOA rules actually mean', 'decode these CC&Rs', 'is this HOA going to be a problem', or 'what should I check before buying in an HOA'. Produces a restriction decode ranked by lifestyle impact, special-assessment exposure analysis, enforcement and fine mechanics, and the exact records to request before buying.

HOA Decoder Skill

Buying into an HOA means joining a tiny government with taxing power over you. This skill reads the CC&Rs like a friend who's sat through the board meetings: which rules will change how you live, how big the surprise bills can get, and which records to demand first.

What This Skill Produces

  • Use restrictions decoded and ranked by lifestyle impact for this buyer
  • Special-assessment exposure: what the board can levy, with what vote, capped by what
  • Enforcement and fine mechanics — how a violation escalates, up to liens
  • Rental-restriction decode, fee-escalation questions, and the records to request

Required Inputs

Ask for these only if they aren't already provided:

  • The documents — CC&Rs, bylaws, rules, fee/budget pages. Decode whatever is provided; reserve study, budget, and minutes usually aren't in the CC&Rs — flag them as records to request.
  • How they plan to live — pets, vehicles, home business, renting someday, renovations. Ranking depends on this.
  • Current dues and any known assessments, if not in the text.

Framework: Severity Scale

  • 🔴 Can cost you real money — uncapped or low-threshold special assessments, fines that compound and can ripen into liens (in some places foreclosure — jurisdiction-dependent), rental bans/caps that kill an investment plan, alteration approval with vague standards, uncapped dues increases, transfer fees.
  • 🟡 Unusual — probe before buying — restrictions colliding with this buyer's stated plans (pets, vehicles, home business, decor), architectural review with no decision deadline, board power to amend rules without a member vote.
  • 🟢 Standard — ordinary nuisance, trash, and common-area rules; label them so the buyer doesn't panic at boilerplate.

Walk the documents for: use restrictions, assessment mechanics (dues-increase caps; approval threshold; no stated cap = flag), rental restrictions (caps, waitlists, minimum terms, grandfathering), enforcement chain (notice → hearing → fine → lien; quote each step), amendment rules (how easily rules can change under you). Where enforceability is questionable, flag "enforceability varies by jurisdiction — verify locally" rather than declaring it void.

Output Format

Show full SKILL.md (323 more words)Show less
HOA Decode: [community name]

1. The verdict — buy comfortably / buy with eyes open / this HOA will fight your lifestyle — in three sentences.

2. Restrictions ranked by impact on you

Restriction (§)What it saysHow it hits your plansSeverity

3. 💸 Money exposure — dues today, increase mechanics, special-assessment rules quoted, the realistic worst-case bill; fine schedule and lien path.

4. 🚩 Red flags, ranked — quoted language, the scenario where it bites, severity.

5. Records to request before buying — reserve study (and funding level), 24 months of board minutes, budget and delinquency rate, master insurance policy, pending/past special assessments and litigation, rental cap status and waitlist.

6. Questions for the board/manager — fee-escalation history ("dues for each of the last 5 years?"), upcoming major repairs, how often fines are actually levied.

End the artifact with, verbatim: "This is a plain-language reading, not legal/financial advice — laws vary by jurisdiction; confirm anything load-bearing with a qualified professional."

Quality Checks

  • Restrictions are ranked by this buyer's stated lifestyle, not document order
  • Special-assessment mechanics are quoted; "no cap stated" is itself flagged 🔴
  • The enforcement chain is traced step-by-step from the actual text
  • The records-to-request list is concrete, with why each matters
  • Documents not provided (reserve study, minutes, budget) are named as gaps
  • The disclaimer line appears verbatim in the artifact

Anti-Patterns

  • Do not invent restrictions or powers that aren't in the documents
  • Do not soften a red flag to seem balanced — an uncapped assessment power is a blank check
  • Do not present jurisdiction-dependent rules (lien/foreclosure powers, enforceability) as universal
  • Do not rank by how strict a rule sounds — rank by whether it touches this buyer's life
  • Do not skip the financial-health questions — CC&Rs alone never show a broke HOA

Based On

Buyer-side HOA due-diligence practice — CC&R triage, assessment-exposure analysis, records checklists.

Example Trigger Phrases

  • "What do these HOA rules actually mean?"
  • "Decode these CC&Rs."
  • "Is this HOA going to be a problem?"
  • "What should I check before buying in an HOA?"

© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

SKILL.md and 1 other file (references) in skills/hoa-decoder of mohitagw15856/pm-claude-skills.

  • SKILL.md
  • references/worked-example.md

Open the folder on GitHubat commit 1cbf1f0

Compare with similar skills

Hoa Decoder next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Hoa Decoder compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Hoa Decoder this skillmohitagw15856/pm-claude-skills1.4k—~1.3kAutomated safety check: PassMIT
Speculative DecodingOrchestra-Research/AI-Research-SKILLs13k3 repos~3.5kAutomated safety check: PassMIT
Cipher Decoderarchestra-ai/archestra4.4k—~293Automated safety check: PassCustom licence
Fee EstimationNethereum/Nethereum2.3k—~1.3kAutomated safety check: PassMIT
Jetson Speculative DecodingNVIDIA/skills3.5k1 repos~1.2kAutomated safety check: PassApache-2.0
Genomi Decodeexon-research/genomi484—~2kAutomated safety check: PassApache-2.0

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Questions about Hoa Decoder

What does Hoa Decoder do?

Decode HOA covenants (CC&Rs) and the fee structure before you buy into them. Hoa Decoder is an agent skill from mohitagw15856/pm-claude-skills. Decode HOA covenants (CC&Rs) and the fee structure before you buy into them.

When should I use Hoa Decoder?

Hoa Decoder fits situations like: someone asks what do these HOA rules actually mean; decode these CC&Rs; is this HOA going to be a problem; what should I check before buying in an HOA.

How do I install Hoa Decoder in Claude Code?

Run `npx skills add mohitagw15856/pm-claude-skills --skill hoa-decoder -a claude-code`. Or copy the skill folder (skills/hoa-decoder in mohitagw15856/pm-claude-skills) into .claude/skills/hoa-decoder in your project. Claude Code loads it when a task matches its description.

How do I install Hoa Decoder in Codex?

Run `npx skills add mohitagw15856/pm-claude-skills --skill hoa-decoder -a codex`. Or copy the skill folder (skills/hoa-decoder in mohitagw15856/pm-claude-skills) into .agents/skills/hoa-decoder in your project. Codex loads it when a task matches its description.

Can I use Hoa Decoder in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill hoa-decoder -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/hoa-decoder, .gemini/skills/hoa-decoder, .github/skills/hoa-decoder and .opencode/skills/hoa-decoder in your project.

What does Hoa Decoder need to run?

SKILL.md names no scripts, command-line tools or credentials: Hoa Decoder is instructions for the agent only.

Does Hoa Decoder access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Hoa Decoder safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Hoa Decoder use?

Hoa Decoder is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Hoa Decoder use?

About 1.3k tokens (SKILL.md is roughly 5.1k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 1k tokens, read only when the agent opens those files.

What are the alternatives to Hoa Decoder?

Skills that share tags, products or a category with Hoa Decoder: Speculative Decoding (Orchestra-Research/AI-Research-SKILLs, 13k stars), Cipher Decoder (archestra-ai/archestra, 4.4k stars), Fee Estimation (Nethereum/Nethereum, 2.3k stars) and Jetson Speculative Decoding (NVIDIA/skills, 3.5k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Hoa Decoder?

mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,431 GitHub stars. The repository holds 1,322 skills in this directory. The repository was last updated on October 7, 2026.

Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.