Most buyers today will apply for conventional financing through a mortgage company or bank. Even though we read about the collapse of the secondary market for the purchase of home mortgage loans, that is still very much alive and most lenders want to be sure that they can sell their mortgage in the secondary market.  The FHA, Fannie Mae and Freddie Mac are still the primary secondary market mortgage loan buyers and they have developed a series of requirements for the loans that they purchase. The mortgage lenders have a questionnaire which they will send out to a homeowners' association to be filled out and certified before they will consider making the mortgage loan in a condominium. They have a number of questions which may and may not apply to your condominium complex but there are some things that you should consider. For instance, if more than 25% of the units in the complex are rentals, the lender may not make the loan. Also, no more than 10% of the units may be owned by one investor. With respect to the condominium fees, if more than 15% of the owners are more than 30 days delinquent, the condominium project will be ineligible. Also, if there is any litigation pending against the condominium association, you will need to be able to explain what it is because any risks will be taken into account in making the loan. A reserve fund is not a requirement but it is generally recommended, especially in projects which are older and may be in need of major repairs and maintenance. If a portion of the condominium is commercial, as long as it is less than 20%, it should not have an impact. There are other requirements as well, but as long as you can address the ones noted above you will probably be okay.