HOA Cloud
Same statute coverage. Full platform.

HOA Cloud vs HOA Rocket

Both are Florida-focused. Both bind statute citations to the audit log. HOA Rocket stops at compliance. HOA Cloud runs the whole association — payments, accounting, vendors, meetings, AI document layer — without leaving the platform.

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Up front: the public comparison at hoarocket.com/florida/best-hoa-software-florida is written by HOA Rocket themselves (they disclose it). On Florida statute coverage we both score "Yes" across the board. On platform breadth, their own page admits: "No payments processor, no GL — bring your own ledger."We built the whole platform.
14
Statutes covered (tied)

Both platforms cover every Florida statute Boards search for.

14
Capabilities only HOA Cloud has

Stripe payments, GL, vendor portal, AI document agent, Compliance Shield.

1
Platform vs. patchwork

One product instead of compliance + accounting + payment + vendor + AI tools glued together.

Feature-by-feature

Every claim links to a live product surface.

Feature
HOA Cloud
HOA Rocket
Statute coverage
Chapter 718 (Condominiums)
Full
Full
Chapter 720 (HOAs)
Full
Full
§718.111(12)(c) — 10-day records-request clock
Full workflow + audit
Full workflow + audit
§718.111(12)(g) — Online records portal
Auto-built
Built
§718.112(2)(d) — Board notice + affidavit
Full
Full
§718.112(2)(g) / SB 4-D — SIRS
Full
Partial
§553.899 / HB 913 — Milestone inspections
Phase 1 + Phase 2
Records only
§718.116(8) — Estoppel certificates
Full workflow
Not offered
§718.303 / §720.305 — Fining committee
Full
Charter only
§720.3033 / HB 1021 — Director training tracker
Full + 90-day clock
Tracker
§720.3085 / §718.116 — Lien contests
Full owner portal
Tracker
HB 1021 — Condo website (Jan 2026)
Built-in builder
Records site
HB 1203 — HOA website
Built-in builder
Records site
Tamper-evident statute-cited audit log
Append-only events
Append-only events
Platform
Payments processor (Stripe Connect, ACH, card)

HOA Rocket's own page: "No payments processor, no GL — bring your own ledger."

Native Stripe Connect
Not included — "bring your own ledger"
Double-entry general ledger
Full GL + reconciliation
Not included
Bank reconciliation
Built-in
Not included
Invoicing + vendor payables
Full workflow
Not included
Late-fee assessment cron
Automated
Not included
Collections / pre-lien workflow
Full stage machine
Lien tracking only
Operations
Maintenance / work orders
Full vendor workflow
Not included
Vendor portal (no-login token)
Full
Not offered
Vendor compliance (W-9, insurance, license)
Full
Not offered
Architectural review workflow
Full
Not offered
Violations + photo evidence
Full
Records only
Annual meeting + ballot module
Full + affidavit gen
Records only
AI
AI document classification + retention
Gemini 3 + 80+ categories
Not offered
AI floating chat (voice + text)
128 tools, Gemini 3
Not offered
AI-powered records-request triage
Yes
Not offered
Risk transfer
Compliance Shield insurance overlay
Included
Not offered

Why teams pick HOA Cloud

  • One login for compliance + payments + accounting + vendors + AI
  • Stripe Connect built in — dues, fines, estoppels, special assessments
  • Compliance Shield insurance overlay protects against statutory misses
  • AI document agent classifies + statutes + retains every upload

When HOA Rocket might fit

  • You already love your accounting system and only need a Florida-statute compliance layer on top.
  • You don't collect online payments or run vendor work orders through software.
  • Your board is small enough that the patchwork of separate tools isn't painful yet.

We're telling you the truth so when you pick us, you stay.

See the statute coverage in your own portal in 5 minutes

Start a free trial, upload one document, watch our AI tag it with the exact statute it falls under.

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