Townivo
Condo Guides

Condo Buyer & Seller Guides

Straight answers on condo insurance, financing, fees, and buying — from a local expert.

15 Questions to Ask Before Buying a Condo
The checklist that separates a smart condo purchase from a costly one.
Condo vs. Single-Family: Which Is Right for You?
A practical comparison of cost, maintenance, control, and lifestyle.
How Condo (HOA) Fees Actually Work
What your monthly fee pays for, why it rises, and what a "good" fee looks like.
Reading the Master Deed & Bylaws Before You Buy
The governing documents that decide what you can and can't do with your unit.
Special Assessments & Reserve Funds: What to Check
How to spot an underfunded association before a surprise bill lands.
The Real Downsides of Condos (and How to Weigh Them)
An honest look at fees, rules, and assessments — and when a condo still makes sense.
FHA & VA Condo Approval, Explained
What it takes for a condo to qualify for FHA or VA financing.
Limited vs. Full Condo Review: What Lenders Check
The two levels of condo project review and what can trip up your loan.
The Condo Questionnaire, Explained
The form your lender sends the association — and what its answers reveal.
Warrantable vs. Non-Warrantable Condos, Explained
Why this one classification decides how — and whether — you can finance a condo.
Why Owner-Occupancy Ratios Matter When Buying a Condo
How the share of owner-occupied units affects your financing and your resale.
Master Policy vs. Your Unit Policy: Who Covers What
How a condo association's master insurance and your own H-06 policy divide responsibility.
What Is H-06 (Walls-In) Condo Insurance?
The unit-owner policy every condo buyer needs — what it covers, and where the master policy stops.
What Is Loss Assessment Coverage (and Why You Want It)
The small add-on that protects you when the association bills owners for a shortfall.
Condo Rental Restrictions & Owner-Occupancy Rules
What to know about renting your unit — or buying in a rental-restricted building.
How Condo Associations Are Governed
Boards, budgets, meetings, and how decisions that affect your home get made.
How to Sell a Condo (and What Drives the Price)
What matters most when selling a condo — from fees to comparable sales.