M*******r
发帖数: 165 | 1 Buying a condo in FL, applied a conventional loan from BOA, failed.
loan agent said the condo HOA is using 'coinsurance' for the master
insurance police, and HOA doesn't have sufficient funding to cover hazard.
Seemingly it's common for condos.
Is there any suggestions for financing? Is higher down payment helping? Or
other type of loans?
Thx. | R**********1
发帖数: 236 | 2 您买的这个condo是投资房吧。银行对Florida的投资condo审核是比较严格的，主要受
次贷的影响（佛州有很多烂尾楼）.这个HOA insurance应该是coverage不够。另外，
HOA的“no sufficient funding”应该就是指这个HOA的budget里面的reserve不到
budget总数的10%。
这两个伤是比较硬的。除非HOA能马上调整insurance coverage和reserve amount。
【在 M*******r 的大作中提到】
: Buying a condo in FL, applied a conventional loan from BOA, failed.
: loan agent said the condo HOA is using 'coinsurance' for the master
: insurance police, and HOA doesn't have sufficient funding to cover hazard.
: Seemingly it's common for condos.
: Is there any suggestions for financing? Is higher down payment helping? Or
: other type of loans?
: Thx.
| o*****p
发帖数: 5952 | 3 投资屋，做conventional loan 应该不行。 |
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