siEarn condo intelligence
Inspections. Reserves. Insurance. Association health. Lender evidence.
The opportunity is not simply finding a cheap condo. It is finding a building where a financing obstacle is specific, measurable and fixable, while the unit still trades at a discount.
Established condo projects previously eligible for Limited Review now require Full Review or an applicable Waiver of Project Review.
ACTIVE · Aug 3, 2026 · Freddie MacStreamlined Review cutoffFreddie Mac says Streamlined Review is only available when the condo mortgage application was received before August 3, 2026.
ACTIVE · Aug 3, 2026 · Fannie MaeReserve-study shortcut tightenedWhen a reserve study is used instead of the normal budget test, baseline funding is no longer acceptable and the highest recommended reserve allocation must be used. Freddie Mac publishes the same methodology change.
UPCOMING · Jan 4, 2027 · Fannie MaeFull Review reserve allocation rises to 15%For Full Review loan applications dated on or after January 4, 2027, Fannie Mae raises the minimum annual replacement-reserve allocation from 10% to 15% of annual budgeted assessment income.
Read: Miami's next condo divide, financeable vs. cash-only ↗
10 Miami Beach addresses from our research collection. The pilot target is 50 buildings. Building identities and association records still need review. Unknown means unknown, not failed.
Confirm the building and association
Confirm the building and association
Confirm the building and association
Confirm the building and association
Confirm the building and association
Confirm the building and association
Confirm the building and association
Confirm the building and association
Confirm the building and association
Confirm the building and association
These portals and policy documents are research routes. Linking to them does not certify an individual building or guarantee financing.