Build a homeowners association management portal with these features: 1. Homeowner directory by property, with board members, committee roles, and contact preferences. 2. Assessment and dues tracking: annual fee schedule per lot, payment status, late-fee calculation per the governing documents, and Stripe or ACH payment with automatic receipts. 3. Violation logging: admin uploads a photo and category, the AI drafts a neutral first-notice letter citing the correct covenant section from uploaded CC&Rs, and every letter keeps a human-review step before sending. 4. Architectural review (ARC) requests: homeowners submit a project description and photos, the AI pre-checks it against the design guidelines and drafts the response template, and the board votes in-app with a decision log. 5. Amenity booking for pool, clubhouse, and courts with capacity rules and waitlists. 6. Announcements with scheduled sends, emergency broadcast mode, and email plus SMS. 7. Meeting manager: agendas, minutes upload, and Zoom link attachment, with statutory notice windows flagged by state. 8. A homeowner view showing only their own dues, requests, and bookings. 9. Annual report generator: budget versus actuals, violation counts by category, and delinquency rate. 10. Records retention settings that keep letters, votes, and financials per the state statute an admin selects.