Surfside Palms
Likely Unavailable
Fannie/Freddie financing is extremely limited or unavailable for this project.
100
/100
Risk Score
LowHigh
Issues Found (5)
- Project is on the Fannie Mae CPM Unavailable list
- Owner-occupancy is 38% — below the 50% Fannie Mae minimum
- Investor concentration is 58% — exceeds the 35% agency cap
- Reserve funding is 7% of budget — below the 10% Fannie Mae floor
- Active special assessment in place — verify amount with lender
Association Signals
Owner-Occupancy
38%
✗ Below 50% minimum
Investor Concentration
58%
✗ Exceeds 35% cap
Reserve Funding
7%
✗ Below 10% floor
CPM Status
Unavailable
✗ Unavailable
Pending Litigation
None
✓ Clear
Master Insurance
Adequate
✓ OK
Special Assessment
Active
~ Verify with lender
Deconversion / Receivership
No
✓ Clear
Portfolio Lenders for FL (7)
These lenders specialize in non-warrantable and portfolio condo financing in FL. Verify programs directly before applying.
A&D Mortgage
Non-QM condos; DSCR investor loans; foreign national & bank statement programs
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Angel Oak Mortgage
Non-QM & non-warrantable condo loans; bank statement; DSCR investor programs
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CrossCountry Mortgage
Portfolio condo products; high investor-concentration & litigation-pending buildings
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Deephaven Mortgage
Non-QM condos; expanded guidelines for litigation & low-reserve buildings
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First National Bank of America
Portfolio condo loans; self-employed & non-warrantable specialist nationwide
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South State Bank
Southeast portfolio lender; condo-hotel eligible; investor concentration waivers
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Verus Mortgage Capital
Portfolio non-warrantable condo financing; jumbo & DSCR investor programs
Visit →
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Data is for informational purposes only. Always verify warrantability with your lender before closing.
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