# Condo early-risk checklist

**Mortgage Dorks Season 1**
**Course:** Guideline Decoder
**Lesson:** Condo File Pretending to Be Simple
**Format:** Checklist

## Use This For

Spot project risk before a clean borrower tricks everyone into relaxing.

## Artifact Contents

- Project name and HOA contact.
- Review type: limited, full, waiver/exempt, FHA/VA/PERS path where applicable.
- Questionnaire availability and turnaround.
- Occupancy and investor concentration.
- Budget, reserves, insurance, deferred maintenance, and special assessments.
- Litigation or special assessment notes.
- Source/date/channel rule being used today.

## How To Use It

- Review a mock condo questionnaire with three yellow flags and one hard stop.
- Draft a buyer-agent email, listing-agent email, AE escalation, and internal risk summary.

## Guardrail

Use synthetic or anonymized facts only. Remove names, exact property addresses, phone/email, SSN/DOB, loan numbers, account numbers, NMLS/customer IDs, unique employer or business names, screenshots, credit reports, AUS findings, tax docs, bank docs, and any combination of facts that could identify a borrower or customer.