How urgent are the capital needs, what are they? It sounds like a big burden for the average coop owner. Can the capital work be spread out over a few years, and do a $100 per month assessment? Some expensive items like elevator replacement, do one a year until done, roof replacement, possibly do a foam seamless roof on top of the old one, pointing, do the worst wall(s) first, top to bottom, then do the next worst the following year.