The Fairee Dispatch
Vol. 1 Ed. 3
Condo financing is changing. Is the building ready?
More condo choices means buyers can walk away from buildings with financing red flags; and after August 2026, some of those red flags get harder to work around.
Miami-Dade and Broward both have high condo inventory, so buyers have options. That matters because starting August 1-3, 2026, condos without at least 10% reserves lose the easier financing review path, and beginning January 1, 2027, the reserve requirement rises to 15%.
The important takeaway: reserve funding is not just an HOA detail – it can directly affect who can buy, how long a sale takes, and how much leverage a seller has.
The good news is that reserve issues are often more manageable when they are identified early. Associations may be able to respond through budget adjustments, increased dues, special assessments, or other funding strategies. But if no one checks until financing is underway, the seller may be left dealing with a smaller buyer pool and more deal risk.
In this market, knowing the building’s reserve position early is a competitive advantage.
Before you list, buy, or go under contract, schedule a condo financing consultation – I’ll help you review reserve status, identify risks early, and map out the smartest next step.
An Investment, Not a Storage Unit
But when was the last time you listed your assets?
The skills you developed.
The confidence you earned.
The relationships you built.
The proof that you can figure things out when life doesn’t go according to plan.
I realized I’ve been preparing for my next chapter completely backward.
For months, I’ve been focused on what needs to change.
The habits I need to break.
The mistakes I don’t want to repeat.
The things I need to leave behind.
Then I noticed something…
I was treating my past like a storage unit to empty instead of an investment account to review.
Every chapter leaves us with two things: baggage and assets.
Most of us can list our baggage immediately.
That’s the mistake many people make during transitions. They spend so much time auditing their losses that they never calculate their gains.
The next chapter isn’t built from scratch. It’s funded by the assets you’ve already accumulated.
In one word, what asset are you taking with you?
Ashlae Guilliams
REALTOR
Thank you so much for reading my Blog! I look forward to providing value to your homeownership journey. If you would like to stay up to date with The Fairee Dispatch please subscribe below!
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Great content! Keep up the good work!