It has become more difficult to obtain financing for buying a condominium.  Lenders are no longer limiting their due diligence to the financial strength of the prospective borrower – is she or he qualified?  Instead, lenders are scrutinizing the condominium project itself.  Lenders are asking questions such as what is the rent-to-own ratio?  A high ratio may lead to the denial of the loan.  What is the reserve for capital replacements (roof, siding, HVAC)?