diff --git a/backend/src/modules/health-scores/health-scores.service.ts b/backend/src/modules/health-scores/health-scores.service.ts
index cece9be..6d0e3c9 100644
--- a/backend/src/modules/health-scores/health-scores.service.ts
+++ b/backend/src/modules/health-scores/health-scores.service.ts
@@ -220,20 +220,12 @@ export class HealthScoresService {
         missing.push(`No budget found for ${year}. Upload or create an annual budget.`);
       }
 
-      // Should have reserve components (warn but don't block)
-      const components = await qr.query(
-        `SELECT COUNT(*) as cnt FROM reserve_components`,
-      );
-      if (parseInt(components[0].cnt) === 0) {
-        missing.push('No reserve components found. Add reserve components (roof, parking, pool, etc.) with replacement costs for an accurate funded-ratio calculation.');
-      }
-
-      // Should have capital projects (warn but don't block)
+      // Should have reserve-funded projects with estimated costs (warn but don't block)
       const projects = await qr.query(
-        `SELECT COUNT(*) as cnt FROM projects WHERE is_active = true`,
+        `SELECT COUNT(*) as cnt FROM projects WHERE is_active = true AND fund_source = 'reserve'`,
       );
       if (parseInt(projects[0].cnt) === 0) {
-        missing.push('No capital projects found. Add planned capital projects for a more accurate reserve health assessment.');
+        missing.push('No reserve-funded projects found. Add projects with estimated costs for an accurate funded-ratio calculation.');
       }
     }