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BC strata capital stress grid: project scale × stated reserve coverage

Nine deterministic strata-capital scenarios showing how project scale and the share of a stated contingency balance change a modelled unit-level exposure range.

Published 2026-07-27Next review 2026-10-15Rows 9Rule version bc-property-rules-2026-07-27
Direct answer

For the grid’s $2,000,000 project, 50% stated reserve coverage, 0.75% unit share, and $100,000 deductible scenario, the model produces a $3,750 low case, $7,688 base case, and $12,000 high case.

What the grid reveals

A reserve balance cannot be read as a stand-alone building-health score. The same reserve-coverage ratio produces materially different dollar exposure as project scale changes, and the result still depends on whether the fund can actually be used for that work and how the cost is allocated.

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Nine capital-exposure stress cases

Every row uses the same assumptions and calculation version. Horizontal scrolling is available on smaller screens.

ProjectStated reserve coverageFund balanceUnit shareLowBaseHigh
$1,000,00025%$250,0000.75%$3,750$5,813$8,250
$1,000,00050%$500,0000.75%$1,875$3,938$6,375
$1,000,00075%$750,0000.75%$0$2,063$4,500
$2,000,00025%$500,0000.75%$7,500$11,438$15,750
$2,000,00050%$1,000,0000.75%$3,750$7,688$12,000
$2,000,00075%$1,500,0000.75%$0$3,938$8,250
$4,000,00025%$1,000,0000.75%$15,000$22,688$30,750
$4,000,00050%$2,000,0000.75%$7,500$15,188$23,250
$4,000,00075%$3,000,0000.75%$0$7,688$15,750
01

Method

The grid crosses three project-cost scenarios ($1M, $2M, $4M) with three stated reserve-coverage ratios (25%, 50%, 75%). Every row assumes 100% of the stated fund balance is available, a 0.75% unit allocation share, no approved levy, and a $100,000 relevant deductible. The low/base/high model applies 75%/100%/125% project-cost cases and 0%/25%/100% of the unit’s deductible share.

02

Limits

  • These are stress scenarios, not a sample of actual BC strata corporations.
  • Reserve coverage means stated fund balance divided by the modelled project cost; it is not a statutory ratio or quality rating.
  • Actual allocation may depend on unit entitlement, a type or section, a special resolution, insurance, contract terms, and facts not represented here.
  • A depreciation report is a planning input—not a guarantee of scope, timing, price, or funding approval.
Publisher-ready citation

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Parcel & Key Research Desk (2026). BC strata capital stress grid: project scale × stated reserve coverage. Version bc-property-rules-2026-07-27. https://parcelandkey.ca/research/bc-strata-capital-stress-grid-2026/ Licensed under CC BY 4.0.

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