Why do changes to Florida condo financing rules matter even for cash buyers? Because the way lenders now evaluate a building's reserves and structural condition affects resale value, insurance availability, and who can buy from you later, cash or not.

What actually changed

Post-Surfside reforms tightened reserve funding requirements and structural inspection milestones for condo buildings statewide. Buildings that haven't kept up are facing special assessments, financing restrictions, or both.

Why this matters even if you're not financing

A building with financing problems has a shrunk buyer pool when you eventually sell. Cash today doesn't protect you from a weak resale market tomorrow.

Want help reading a condo building's financial health before you buy? Reach out directly and I'll walk through it with you.