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CondoCheck — Warrantability Report

Gateway Towers

St. Louis, MO · 65 units
Generated July 09, 2026 at 23:14 UTC
Non-Warrantable
26 /100
Risk Score
This project does not meet agency guidelines. Portfolio or non-QM lenders are required. Buyers should expect higher rates or larger down payment requirements.

Issues Found (2)

  • Reserve funding is 8% of budget — below the 10% Fannie Mae floor
  • Active special assessment in place — verify amount with lender

Association Signals

Owner-Occupancy
58% ✓ Above 50% threshold
Investor Concentration
26% ✓ Within 35% cap
Reserve Funding
8% ✗ Below 10% floor
CPM Status
Eligible ✓ Eligible
Pending Litigation
None ✓ Clear
Master Insurance
Adequate ✓ OK
Special Assessment
Active ~ Verify with lender
Deconversion / Receivership
No ✓ Clear

Data is for informational purposes only. Warrantability status can change at any time based on HOA financials, occupancy changes, or agency rule updates. Always verify eligibility directly with your lender and consult a licensed mortgage professional before making financing decisions.

Source: http://build-a-programmatic-per-condo-p-1052.launchlab.lt/report/21