Free tool · No account required · Preliminary analysis only

Know before you
make an offer on
a Hawaii condo.

The Condo Health & Warrantability Scanner uses AI to assess a condo project in two ways: warrantability against the full Fannie Mae B4-2 framework, and overall financial health — whether you’re financing or paying cash. Works with whatever you have — a complete management package, a partial set from the listing agent, or just a few docs gathered early.

Launch the Scanner See how it works
What it does

A warrantability read in minutes, not days.

Before a condo can be financed, it has to pass a warrantability review — a 22-point checklist most lenders take days. This tool was built for early-stage triage. Run it with whatever docs you have and get actionable findings before issues become closing problems.

Upload the documents and the AI returns a structured report flagging every potential issue — so you know what you’re dealing with before you write the offer or commit to a lender.

Warrantability is just one lens. The scanner also assesses overall HOA financial health — reserve adequacy, budget stability, deferred maintenance, and governance red flags. A well-priced condo in an underfunded HOA is a liability, not a deal.

Try it now — it’s free
Full B4-2 Framework

All 22 warrantability check IDs covered — not just the headline 2026 changes. Every criterion Fannie Mae uses to approve or deny a condo project.

HOA Health Assessment

Beyond warrantability, the tool evaluates the condo project’s overall health across 5 areas: Financial Health, Governance & Management, Physical Condition, Insurance Adequacy, and Community Stability.

2026 Guidelines Built In

Includes LL-2026-03 and Freddie Mac Bulletin 2026-C. The reserve study requirement effective August 2026 and all new structural assessment criteria are part of the analysis.

Built for Hawaii

Hawaii’s condo market — especially Waikiki condotels, Maui resort properties, and aging Honolulu high-rises — has unique warrantability challenges. This tool was built with those specific nuances in mind.

Non-warrantable doesn’t mean no options — it means different options. A condo that doesn’t pass conventional review may still have excellent financing available through portfolio lenders, non-QM programs, or condotel-specific products. The key is knowing early — weeks before closing, not days before. That’s what this tool is for.

Data & Privacy: Uploaded documents are immediately discarded after analysis and are never stored. Report summaries (not your documents) are retained privately to build a Hawaii condo health reference library and are never sold or shared with third parties. Important: This tool provides a preliminary AI-assisted analysis for informational and due diligence purposes only. It is not a formal lender warrantability determination, does not guarantee financing eligibility, and should not be relied upon as legal or financial advice. All condo projects are subject to full lender review, underwriting, and approval. Results may not reflect all conditions or documentation relevant to a specific transaction.

How it works

Four steps to a complete warrantability report

No account required. No email gate. Just upload the documents and get answers.

Enter project name & address

Just the project name and property address — that’s all we need to get started.

Upload your HOA documents

Upload any combination of the five key documents: HOA Annual Budget, Meeting Minutes (last 1–2 years), Master Insurance Certificate, Condo Questionnaire (Form 1076 or RR105C — the tool will identify which and flag any gaps), and Reserve Study. All five are recommended for a complete health and warrantability picture.

AI runs the analysis

The scanner reviews every document against the full B4-2 framework and flags issues, risks, and missing information.

Get your report

A structured pass/flag/fail report with specific citations and recommended next steps for each issue found.

Who it’s for

Built for everyone
in a condo transaction.

Whether you’re buying, selling, or financing a Hawaii condo, warrantability affects you. Knowing early saves everyone time.

Hawaii Buyers

Find out if the condo you love can actually be financed before you fall in love with it. And even if you’re paying cash, understand the financial health of the HOA you’re buying into — an underfunded reserve or looming special assessment is a risk regardless of how you’re paying.

Hawaii Realtors

In Hawaii, condo documents are typically ordered after an offer is accepted and can take a week or more to arrive from the management company. Don’t wait — upload whatever the listing agent has on hand for an early read, then run a more complete scan once the full package arrives. A non-warrantable result isn’t a dead end, but discovering it in week six of escrow is.

Investors

Buying a Waikiki condotel, Maui vacation rental, or investment condo? Warrantability determines your financing options. But HOA financial health determines your long-term ROI. A surprise $30,000 special assessment two years after closing changes every calculation. And if a project is non-warrantable, condotel-specific financing may still work — but you need to know that before you’re two weeks into escrow.

Why this matters now

The 2026 condo rules changed everything.

In the wake of the Surfside collapse, Fannie Mae and Freddie Mac have dramatically tightened condo project requirements. The changes — LL-2026-03 and Freddie Mac Bulletin 2026-C, effective March 2026 — affect thousands of Hawaii condo projects.

Condos that sailed through warrantability reviews in 2024 and 2025 may now be ineligible for conventional financing. The reserve study requirement effective August 2026 alone will disqualify a significant number of older Hawaii high-rise projects.

This scanner is built on the current guidelines — not last year’s.

Check your condo now
Effective August 2026
Reserve Study Requirement

Projects must have a reserve study completed within the past 3 years by a qualified professional. Previously optional documentation is now a hard requirement.

LL-2026-03 Change
Structural Assessment Rules

New requirements for projects with deferred maintenance, significant damage, or buildings over a certain age. Post-Surfside compliance documentation now required.

Reserve Fund Threshold
Dual Threshold Testing

Projects must meet both a percentage-of-budget threshold and a per-unit dollar threshold. Failing either triggers a flag that may require lender review.

Special Assessments
New Evaluation Criteria

Special assessments now require documentation of the underlying reason. Safety-related assessments trigger additional scrutiny regardless of amount.

Non-warrantable doesn’t mean no options — it means different options. A condo that doesn’t pass conventional review may still have excellent financing available through portfolio lenders, non-QM programs, or condotel-specific products. The key is knowing early — weeks before closing, not days before. That’s what this tool is for.

Data & Privacy: Uploaded documents are immediately discarded after analysis and are never stored. Report summaries (not your documents) are retained privately to build a Hawaii condo health reference library and are never sold or shared with third parties. Important: This tool provides a preliminary AI-assisted analysis for informational and due diligence purposes only. It is not a formal lender warrantability determination, does not guarantee financing eligibility, and should not be relied upon as legal or financial advice. All condo projects are subject to full lender review, underwriting, and approval. Results may not reflect all conditions or documentation relevant to a specific transaction.

Zack Diener — Hawaii Mortgage Broker
About the broker behind the tool

Built by someone who’s closed Hawaii condo loans for 20+ years.

I’m Zack Diener — an independent mortgage broker licensed in Hawaii and Colorado under Barrett Financial Group. I built this tool because condo warrantability issues are one of the most common reasons Hawaii deals fall apart, and most buyers and realtors don’t find out until it’s too late.

“If I wouldn’t recommend a product to my own grandmother, I won’t recommend it to a client. This tool is the same philosophy — give people the information they need before they make a decision.”

As an independent broker I have access to 180+ wholesale lenders — including specialists in non-warrantable condo financing, condotel loans, and portfolio products for projects that don’t pass conventional review.

20+Years lending in Hawaii
180+Wholesale lenders
NMLS#470413
HI & COLicensed
Schedule a free intro call
Want a deeper review?

Got your results? I’ll personally walk through any Hawaii condo project with you.

The scanner gives you a strong starting point — but every deal has nuances. If your project flagged issues, or you’re not sure what the results mean for your financing options, I’m happy to review it with you personally. Free, no obligation. Non-warrantable doesn’t mean no loan — it means a different loan. I have 180+ lenders including specialists in non-warrantable condos, condotels, and portfolio programs. Knowing early means more options, not fewer.

Schedule a free review call

Or just call me — (808) 349-3777

Important disclaimer

This is a due diligence tool — not a guarantee.

Data & Privacy: Uploaded documents are immediately discarded after analysis and are never stored. Report summaries (not your documents) are retained privately to build a Hawaii condo health reference library and are never sold or shared with third parties.

The Condo Health & Warrantability Scanner uses AI to analyze documents you provide against published Fannie Mae and Freddie Mac guidelines. The results are a preliminary assessment for informational purposes only — not a formal lender determination, not a guarantee of financing eligibility, and not legal or financial advice.

A condo project that appears warrantable based on this analysis may still be declined by a lender at underwriting. A project that flags issues here may still be approved through a portfolio lender or alternative financing. Every transaction is different, and lenders apply their own overlays and underwriting criteria that this tool cannot account for.

The financial health assessment is similarly preliminary. It is intended to surface questions and areas for further investigation — not to replace a professional HOA financial review, CPA analysis, or legal opinion.

Use this tool as a starting point for due diligence, not an endpoint. If you have questions about a specific condo project’s financing options — including non-warrantable and condotel programs — contact Zack directly.

Free · No account required · Instant results

Ready to check your
Hawaii condo?

Upload the HOA documents and get a preliminary warrantability and financial health analysis in minutes — no account required. A lead form is optional after your report generates, but never required to run the scan.

Launch the Condo Health Scanner Schedule a Quick Intro Call