Zack Diener Lending Team | Barrett Financial Group
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Condo Health & Warrantability Scanner

One verdict. Six key vitals. The full Fannie Mae B4-2 checklist. Upload the HOA documents and get a plain-English read on conventional loan eligibility and project health — before your contingency clock runs out.

Fannie Mae LL-2026-03
Freddie Mac Bulletin 2026-C
Selling Guide reviewed Sep 2026
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Uploaded documents are not saved by this tool — they are read in your browser, analyzed, and discarded. Report summaries (not your documents) are retained privately to build a condo health reference library. We do not sell or share your data.
This is a preliminary screening aid, not a lender determination. Warrantability is decided by the lender through Full Review, and agency rules trigger on the loan application date — not the closing date. Results reflect only the documents uploaded. Always verify with a licensed mortgage professional.
Debug Model the API actually served is shown here after each run
Property Information

Your role tailors the findings and the closing talking points to how you will actually use this.

Upload HOA Documents

Upload whatever you have — the more you provide, the more complete the report. PDF, JPG and PNG accepted; email messages and Office files need to be saved as PDF first. Text-based PDFs are read directly at any size, and scanned PDFs are read as pictures up to 100 pages per scan. Missing documents are reported as gaps rather than treated as failures.

HOA Budget or Financial Report Package
Key Doc
Current year budget showing reserve allocation line items and total assessment income
Meeting Minutes or Board Agenda
Key Doc
Board meeting minutes from the past 1–2 years
Master Insurance Certificate or Cert of Liability
Key Doc
Dec page or ACORD cert showing coverage basis, per-unit deductible, and roof coverage
Questionnaire / RR105C / Property Info Form
Key Doc
Form 1076, RR105C, or a lender questionnaire — the tool identifies the form type and flags missing required fields
Reserve Study (any version)
Key Doc
Needed to verify the highest recommended allocation — required since the August 2026 rule change
Additional HOA Documents
Optional
Bylaws, declarations, policies, or anything else — select as many as you like; the tool identifies and analyzes what is relevant
Have a full document package?Drop everything at once
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Click or drop multiple files here — the tool will identify each document type from its contents. PDF and image files only; email messages and Office files have to be saved as PDF first.

Package too big, or scanned as one giant PDF?

Merged packages of 100+ scanned pages are more than an automated screen can read in one pass. Three fixes: make the PDF searchable (in Adobe Acrobat: Tools, then Scan & OCR, then Recognize Text), upload the key documents one at a time, or ask the management company for the original digital copies. Once the text is searchable, size stops mattering.

Questions about financing this building? Schedule time with Zack to see if he can help.

Analyzing Documents

Reading the uploaded documents
Extracting financial data and key facts
Checking warrantability thresholds
Assessing HOA and project health
Writing your report
Preparing documents…
Sit tight. A full document package takes a few minutes to read properly.
Condo Health & Warrantability Report
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— — Fannie Mae B4-2 · LL-2026-03 · Bulletin 2026-C
About this report
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Key Vitals
Questions on this project? Zack Diener · Barrett Financial Group · NMLS #470413 · (808) 349-3777 — scan to schedule time and see if Zack can help with financing here.
Want to talk through financing here?
Schedule time with Zack to see if he can help, or leave your info and he'll reach out. Use Print / Save PDF above to keep a copy of this report.
  • Whether conventional financing is realistic for this building
  • Portfolio and Non-QM options if conventional is flagged
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Important: This report was generated by AI from the uploaded documents; it can make mistakes, and no person has reviewed it. Warrantability determinations are made by lenders, not by this tool, and agency standards change over time — confirm which apply to your file. Uploaded documents are not saved by this tool; report summaries are retained privately and are never shared or sold. Consult a licensed mortgage professional before making financing decisions. Barrett Financial Group NMLS #181106 · Zack Diener NMLS #470413 · Licensed in HI & CO · Equal Housing Lender.