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Free CMCA Practice Questions

10 free, exam-style Certified Manager of Community Associations (CMCA) practice questions with answers and explanations. No signup required. Work through them below, then take the full free CMCA practice test to study every exam domain.

Question 1

A board member approaches the manager privately and says, 'I want you to waive my cousin's late fees and keep it between us.' The manager should:

  1. Decline, explaining that selective fee waivers violate fiduciary duty
  2. Comply since the board member has authority over fees
  3. Waive the fees but document the decision in files
  4. Ask another board member for approval before proceeding
Show answer & explanation

Correct answer: A - Decline, explaining that selective fee waivers violate fiduciary duty

Question 2

A homeowner with a disability requests permission to have an emotional support animal in a no-pets community. The board should:

  1. Consider the request as a reasonable accommodation
  2. Deny the request because the no-pets rule applies equally
  3. Approve only if the animal is a trained service dog
  4. Require the homeowner to pay a standard pet deposit
Show answer & explanation

Correct answer: A - Consider the request as a reasonable accommodation

Question 3

An association's reserve study shows a fully funded balance of $800,000. The current reserve balance is $320,000. The percent funded is:

  1. 25%
  2. 32%
  3. 60%
  4. 40%
Show answer & explanation

Correct answer: D - 40%

Question 4

The MOST important internal financial control for preventing embezzlement is:

  1. Hiring a management company
  2. Allowing the board president to approve all expenses unilaterally
  3. Requiring all payments to be made in cash
  4. Segregation of duties
Show answer & explanation

Correct answer: D - Segregation of duties

Question 5

The association holds its annual meeting with 30 members present (quorum is 25). Halfway through, 8 members leave. A member then calls for a vote on a significant budget amendment. The chair should:

  1. Proceed with the vote since quorum was established at the beginning and remains valid until the meeting is adjourned
  2. Postpone the vote and schedule a special meeting since budget amendments require advance notice to all members
  3. Verify the current count; with 22 members present and quorum at 25, quorum has been lost and no vote can be taken
  4. Proceed with the vote since the departures were voluntary and the remaining members constitute a working majority
Show answer & explanation

Correct answer: C - Verify the current count; with 22 members present and quorum at 25, quorum has been lost and no vote can be taken

Question 6

A board member who is also a contractor makes a motion to award a project to their own company. Under Robert's Rules and fiduciary duty, the board member should:

  1. Vote on the motion since they know the most about the project
  2. Disclose the conflict and recuse from discussion and voting
  3. Have the manager vote in their place
  4. Abstain from voting but participate in the discussion
Show answer & explanation

Correct answer: B - Disclose the conflict and recuse from discussion and voting

Question 7

The association's management company discovers that a long-term employee has been embezzling funds totaling $75,000. Which policy responds?

  1. Fidelity bond
  2. CGL
  3. D&O liability
  4. Umbrella policy
Show answer & explanation

Correct answer: A - Fidelity bond

Question 8

A building with a replacement cost of $5,000,000 is insured for $3,000,000 under a policy with an 80% coinsurance clause. The minimum required coverage is $4,000,000. Because the association is underinsured, a loss will result in:

  1. Full payment of any claim up to $3,000,000
  2. No coverage at all since the policy is void
  3. Payment of only 75% of covered losses
  4. Double the deductible on each claim
Show answer & explanation

Correct answer: C - Payment of only 75% of covered losses

Question 9

A board member asks the manager why preventive maintenance costs money when nothing appears to be broken. The manager should explain that:

  1. Preventive maintenance is optional and can be eliminated to save money
  2. Preventive maintenance prevents costly emergency repairs and extends equipment life
  3. Board members should not question maintenance expenses
  4. Preventive maintenance is only needed for new equipment
Show answer & explanation

Correct answer: B - Preventive maintenance prevents costly emergency repairs and extends equipment life

Question 10

Emergency storm damage repair with undefined scope would be BEST handled with which type of contract?

  1. Lump sum contract
  2. Cost and fees (cost plus) contract
  3. Time and materials contract
  4. Unit price contract
Show answer & explanation

Correct answer: B - Cost and fees (cost plus) contract

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