@bryangoesfi: Most people buy the condo and never look at the HOA behind it. That’s the part that can wreck your loan. Comment CONDO and I’ll send you my condo buyer’s checklist. The lending rules just changed. Reserves went up, financially weak HOAs got harder to finance, and every loan now needs a full review of the HOA’s budget. On top of that, rental caps, pet limits, and special assessments quietly decide what you can actually do with the place. The unit is the easy part. The HOA is where deals fall apart. So do you actually know what’s in your building’s books?