We own a villa house in a row of six with Strata Title. Each house is joined to one other by a garage. All the owners have covered their own maintenance since the houses were new. We have recently registered a by-law which formalises this arrangement. Our Strata Management body have informed us that we need a 10 year maintenance plan. We have minimal sinking fund. Is the maintenance plan necessary? If so how would we go about it? Your advice would be appreciated.