I would not get into the scenario that you are describing. Let's say for example that the building is 50% owner occupied and 50% rental. In this situation the owner of the rental units (likely the developer), will be responsible for paying the association dues on those units. While he will likely be legally obligated to do so, the other owners (like you) will have no way of enforcing these payments. In short, what are you going to do when you find out that the developer has not been paying his share of the assessments and the association has no money?
You could try taking legal action, but that costs money (which you already don't have). Even if you did successfully sue the developer, there is little chance you would collect since most developers form a LLC (limited liability corporation), which is probably already bankrupt.
There is plenty of inventory of existing condos with good associations. Buy one of those.
One bedrooms without parking from $192,000
One bedrooms with parking starting at $224,000
One plus dens with one bath and parking from $255,000
One bedroom plus dens with 2 Baths and parking from $291,000
Two bedrooms with two baths and parking starting at just $336,000
Any unit offered with free parking can be bought for $20,000 less...
Personally I would not purchase a property with no assocation. In addition, it will be impossible to get a loan from a bank.
My advise- unless you have cash and all the other units are occupied stay away
Best of luck