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Investigative Evaluation and Research
  • Expert Consultant Reporting

  • Helping Homeowners Understand Their HOA & Condominium

  • Guiding Boards of Directors to Improve Operations

  • Evaluating Complaints of Fraud and Corruption

  • Assisting Legal Counsel with Operational Details

  • Assisting Insurance Companies with Risk Management

With nearly two decades in Florida's community association management industry, I have attained the necessary experience to get my clients through just about any situation. The vast array of projects I've handled for luxury properties in Miami and the Tampa Bay area have given me an edge in this ever changing field. Helping homeowners, board members, and legal firms involved in lawsuits by sharing strategies is my specialty. In-depth analyses into community association procedures and practices is part of my daily work.


  • When was the last time your community's operations and procedures were reviewed?

  • Is your community association experiencing problems?

  • Is it possible an expert can come and help restructure overall management?

  • Have there been disagreements between owners and directors?

  • Are you part of a new Board that needs help in understanding the previous board's actions and need a plan for the future of your community?

  • Do you represent a legal firm or insurance carrier that needs an expert opinion or testimony?

  • Are you and attorney or insurance carrier seeking an inspection of the internal controls presenting potential liability?


I am a retired law enforcement officer, military veteran, and an experienced executive manager for communities in Florida. Creating collaborative relationships with my consulting clients is indeed a great experience for me. Homeowner Association Consulting is key to achieving clarity for owners seriously interested in analyzing their property's procedures. Common-interest communities need guidance and transparency at every level.

I am here to partner with you to improve your conditions. If you wish to discuss concerns with your condominium or homeowner association, please contact me. My consulting services for community associations can bring about a new level of clarity and planning that can be applied for the betterment of your entire community.

HOA and Condo Consultant  - Homeowners Association Consultant

Karel Costa-Armas HOA Expert Witness and Consultant


Karel Costa-Armas LCAM, CMCA, AMS, PCAM

Karel Costa-Armas HOA and Condo Consultant Homeowners Association Consultant

786-205-3235 direct

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