I lived in a small 6-unit building in JP for 8 years and right before I bought the owners basically came to the realization that they were being hosed by their so-called property manager. We didn’t have a plow guy, no trash service etc- the only thing was coordinating insurance renewals, paying city water/sewer, collecting the monthly fee, and keeping up the books. Our fees were $190/mo and when we switched to doing everything ourselves, our reserves were so easy to replenish! If you think you and your neighbors are interested and willing to take on the duties, for a small association I highly recommend doing it yourselves.