Guides
The findings pages answer what something is. These answer how to navigate it — the soil, the process, and the transaction. Three sections, each with a pillar that is worth reading before the guides beneath it.
The three sections
Financing and approval
How FHA, VA, Fannie Mae and Freddie Mac each judge a project — and what changed in 2026.
Financing and approval
6 guidesHow FHA, VA, Fannie Mae and Freddie Mac each judge a project — and what changed in 2026.
FHA condominium project approval: HRAP, DELRAP and the three-year clock
What HUD actually reviews, the difference between HRAP and DELRAP, which eligibility figures are published and which are not, and how a three-year approval lapses.
FHA Single-Unit Approval: what replaced spot approval, and what it cannot do
The successor to spot approval: what Single-Unit Approval is, the 10 percent and two-unit caps from Mortgagee Letter 2019-13, and why it is not a buyer-controlled workaround.
VA condominium approval: a legal review of the documents, not a ratio test
What VA actually reviews under 38 CFR 36.4360 to 36.4365, the restrictions that are barred outright, the two-months working capital reserve, and how VA differs from FHA.
Warrantability: what Fannie Mae and Freddie Mac require of a condominium project
The conventional project tests: review paths, ineligible categories, delinquency and reserve thresholds, the post-Surfside rules, and the 2026 and 2027 changes with their dates.
What reserves are for, how to read a study, and what Florida actually requires now.
How to read a reserve study: the parts that matter
What the two halves of a study are, how Level I, II and III differ, what full, threshold, baseline and pooled actually mean, and how percent funded is built.
Florida's milestone inspection requirement, Fla. Stat. §553.899
Three habitable stories, 30 years statewide since June 2023, a visual Phase 1 and an open-ended Phase 2, and a statutory definition that says a crack is not a finding.
Florida's Structural Integrity Reserve Study, Fla. Stat. §718.112(2)(g)
Eight mandated components, three habitable stories, a visual-inspection basis, and a non-waivable reserve obligation for every structural item on the list.
Buying into an association
4 guidesWhat you are taking on, where the information lives, and what an inspection will not tell you.
What a condominium inspection covers, and what it cannot
Where the inspector's scope stops, which questions need a licensed engineer, and why no inspection of any kind will tell you what the association is carrying.
Reading the condominium documents
What each document in the package answers, in what order to read them, and why the board minutes are the single most revealing document and the least opened.