Which aspect is not covered under property disclosures?

Property disclosures are designed to inform potential buyers about the condition of a property and any issues that may affect their decision to purchase it. This typically includes significant aspects like encroachments, pests and mold, and structural issues. These elements are crucial for ensuring transparency in the real estate transaction, as they directly impact the safety, usability, and value of the property.

Homeowner personal finance history is not addressed in property disclosures because it doesn't pertain to the physical condition or legal status of the property itself. Instead, disclosures are focused on aspects that would be relevant to the buyer's assessment of the property. Personal finance matters, while important in the broader context of a home purchase, do not relate to the property's structural integrity or condition and thus are not part of the mandated disclosure requirements in real estate transactions.