NEW CONDO RULES JUST DROPPED (March 18, 2026)
If you sell condos — you need to see this.
Some of these changes will make deals easier…
Others could kill your deal fast if you miss them.
👇 FULL BREAKDOWN — SAVE THIS POST
🏢 GSE CONDO GUIDELINE CHANGES
(Fannie Mae LL-2026-03 | Freddie Mac Bulletin 2026-C)
✅ THE WINS (GOOD FOR YOUR BUYERS)
• Easier approvals — Waiver/Exempt Review now up to 10 units
(was 2–4 units before)
• Investor limits gone —
No more 50% investor cap or owner-occupancy requirement
• Florida simplified —
No more special condo rules or PERS submissions
• Insurance easier —
No more complex replacement cost calculations required
• Roof rules relaxed —
ACV (Actual Cash Value) now acceptable
• Inflation guard removed —
One less insurance deal-killer
⚠️ THE WATCH-OUTS (THIS IS WHERE DEALS BREAK)
• Limited Review is DEAD
➡️ It’s now Full Review or Waiver ONLY
(Mandatory Aug 3, 2026)
• Reserve requirements just got REAL
➡️ Must follow reserve study recommendations
➡️ No more “bare minimum” budgets
• Reserves increasing to 15%
➡️ Up from 10%
➡️ Many associations will NOT qualify
(Mandatory Jan 2027)
• HO-6 policies more common
➡️ Buyers may need additional coverage
➡️ Especially with high deductibles or limited master policies
• $50K deductible cap per unit
➡️ Anything higher = buyer must cover the gap
💡 BOTTOM LINE
✔️ More condos will qualify for financing
❌ Weak reserves or bad insurance = deal killer
📲 PRO TIP FOR AGENTS
Before writing an offer on ANY condo:
👉 Check reserves
👉 Review insurance
👉 Confirm review type
🔥 Want to avoid surprises and keep deals alive?
Let’s run the condo through a quick checklist before you write.
👍 Save this
📤 Share with your team
💬 Message me if you want the checklist