Overview
Property document analysis for condo, strata, and co-op buyers. Know what you're buying before you sign.
Pellucis analyzes status certificates, strata packages, and co-op disclosures. We extract financials, score governance, assess property condition, and quantify exposure. Reports in plain language within 24 hours.
What you can do
- Extract financials — Revenue, reserves, debt, arrears, operating ratios, and special levies from every page
- Score governance — Board competence, procurement discipline, and follow-through from meeting minutes
- Assess property condition — Capital projects and maintenance needs against age and construction type
- Measure community health — Owner participation, conflict density, quorum health, and problem units
- Get a clear assessment — Proceed, Negotiate, or Caution—with quantified dollar exposure to inform your next step
- Detect missing documents — Surfaces what should be there but isn't, because absence often matters as much as content
Pellucis handles document reading, number extraction, and narrative synthesis—so you get clarity without the late-night highlighter sessions.
How it works
- 1
Upload Your Documents
Send us your status certificate, strata documents, or co-op package. Financial statements, meeting minutes, reserve fund studies — everything the seller provided.
- 2
Financial Extraction
Our document analysis extracts revenue, expenses, reserves, debt, arrears, insurance, and special levies from every page. We calculate ratios that reveal the property's true financial position.
- 3
Risk Analysis
Every finding is categorized by type and severity. Pellucis then searches for what should appear in the documents but does not — because what is missing often matters more than what is there.
- 4
Governance & Ownership Scoring
Meeting minutes are analyzed for board competence, procurement discipline, and follow-through. Owner participation, complaints, conflict between members, and quorum health are scored independently.
- 5
Your Assessment
Everything distilled into a clear assessment — Proceed, Negotiate, or Caution — with quantified exposure to inform your negotiation and narratives written so you can act on them immediately.
Core capabilities
Document Upload
Status certs, strata packages, co-op disclosures. PDF and common formats. All jurisdictions.
Learn more →Document Requirements
What to request from the seller. Checklist by jurisdiction—BC, Ontario, Alberta.
Learn more →Financial Extraction
Revenue, reserves, debt, arrears, ratios. Reserve adequacy, trends, collection risk.
Governance Scoring
Board competence, procurement, follow-through. Participation and community health.
Property Assessment
Capital projects, engineering, maintenance vs. age and construction.
Assessment Engine
Proceed, Negotiate, or Caution. Quantified exposure with basis explained.
Inversion Detection
What should appear but doesn't. Reserve study gaps, envelope assessments.
Four dimensions
The Money, The Property, The Board, The Community. One report, one assessment, one exposure figure.
The Money
Revenue, reserves, debt, arrears, special levies, and operating ratios — extracted, calculated, and explained in language you can actually use. Know whether the property can pay its bills.
The Property
Capital projects, engineering reports, structural risks, and maintenance history analyzed against the property's age and construction type. Know what the property needs next.
The Board
How the board spends money, follows through on decisions, obtains competitive quotes, and responds to problems. Know whether the people running the property are competent.
The Community
Owner participation, meeting attendance, quorum health, conflict between members, complaints, and problem units. Know whether the people living in the property get along.
Lawyer vs. Pellucis
Lawyer: legal compliance. Pellucis: forensic financial, governance, ownership. They complement each other.
| What gets analyzed | Your Lawyer | Pellucis |
|---|---|---|
| Liens and encumbrances | ✓ | ✓ |
| Active litigation | ✓ | ✓ |
| Bylaw compliance | ✓ | ✓ |
| Reserve fund adequacy | — | ✓ |
| Operating surplus or deficit trend | — | ✓ |
| Arrears rate and collection risk | — | ✓ |
| Capital project cost overruns | — | ✓ |
| Board competence and decision-making | — | ✓ |
| Procurement discipline | — | ✓ |
| Owner participation and community health | — | ✓ |
| Conflict and complaints between members | — | ✓ |
| Missing document detection | — | ✓ |
| Quantified exposure to inform negotiation | — | ✓ |
Use cases
- First-time buyers — Plain-language due diligence.
- Investors — Compare reserves and governance across a portfolio.
- Agents — Shareable professional-grade reports.
- Lawyers & brokers — Financial and governance analysis; quantified exposure.
BC (strata), Ontario (condo, co-op), Alberta (condo, co-op). Jurisdiction-aware rules for each province.
Security & compliance
Secure processing
Enterprise-grade. Your data stays yours.
Canadian data
Data residency options for Canadian clients.
Plain-language
Shareable with agent, lawyer, or broker.
Contact us for security questionnaires or compliance inquiries.