Navigating condo financing in post-Surfside Florida — warrantability, SB 4-D inspections, HOA requirements, and loan options.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Warrantable vs non-warrantable condo designation affects loan options
- FHA condo approval required for FHA financing (HRAP or DELRAP)
- Post-Surfside (2021): SB 4-D milestone inspections for 3+ story buildings 25+ years old
- HOA reserve studies and structural integrity assessments now required
- Special assessments for concrete restoration can be $50,000-$200,000+
- Lender questionnaire reviews: HOA budget, reserves, litigation, owner-occupancy ratio
- Non-warrantable condo financing available through non-QM lenders
- Florida condo insurance crisis (Citizens restrictions) affects project approval