Dear Monica: I am selling my townhouse that is part of a complex of six units. What should I provide for a buyer obtaining a loan under the new rules?  Marian C.

Dear Marian: The collapse of the Surfside condo in Florida caused lenders to require review of building condition and maintenance, HOA finances and reserves, and insurance.  In August 2026 these new rules for complexes of 10 or more units became effective.  Loans will take longer to be approved and sellers should provide this information up front to speed the process along.  Your unit is in a smaller complex and will be exempt from the new rules.