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Specialized lending solutions for condos that don't meet traditional agency guidelines. Expert financing for investor-heavy buildings, condo hotels, and unique properties.
A condo that doesn't meet the guidelines of conventional, FHA, or VA loan programs due to building characteristics or ownership structure.
Condos where more than 30% of units are investor-owned or rental properties, making traditional bank financing difficult.
Buildings with active lawsuits, code violations, or unresolved legal disputes affecting property value or financing eligibility.
Condo buildings with significant commercial space, retail, or mixed-use components not acceptable to conventional lenders.
We work with properties facing challenges that traditional lenders won't touch. Here are common issues we solve.
Real examples of how we finance problematic condos and help borrowers move forward.
Scenario: Condo building with 45% investor-owned units. Traditional banks declined due to 30% investor threshold.
Solution: Non-warrantable condo program approval, competitive rate despite investor concentration.
Scenario: Building has active lawsuit regarding construction defects. No conventional financing available.
Solution: We evaluate lawsuit specifics, reserves, and timeline. Approve with reserve requirements or escrow.
Scenario: Building converted to condo hotel model with shared amenities and nightly bookings. Banks won't approve.
Solution: Non-warrantable condo financing tailored to transient-use buildings and mixed-use models.
Scenario: HOA reserves below conventional lender thresholds. Pending special assessment threatens property value.
Solution: Flexible underwriting with reserve analysis and conditions to monitor building health.
Scenario: Condo with commercial tenants on ground floor. Residential units above. Banks decline due to mixed-use.
Solution: Non-warrantable program with focus on residential unit and individual financing.
Scenario: Building allows short-term rentals (Airbnb). No traditional financing for income-producing units.
Solution: DSCR or non-warrantable condo financing for short-term rental units within condos.
We serve borrowers who are committed to properties traditional banks won't finance—owner-occupants and investors alike.
Primary residence buyers who've fallen in love with a condo in an investor-heavy or problematic building.
Investors acquiring rental units in non-warrantable buildings or converting units to short-term rentals.
Self-employed, commission-based, or alternative income borrowers who qualify but need condo-specific programs.
Borrowers with past credit issues who have recovered and are ready to purchase or refinance.
Refinancing with equity or putting down 20%+ creates better loan terms and approval odds.
We finance non-warrantable condos across all major markets and property types nationwide.
Common questions about non-warrantable condo financing and how we can help.
Own a condo in a building other lenders won't touch? Submit your property details and let our specialists review your options.
