if you can get a loan on a condo would be your first question and that would start with a good lender.
If the HOA fees are paid by everyone that owns a Condo in the complex and if the some owners are delinquent then that may be why a lender could not loan on them .. Owner occuppany ratio to renters are also a lender concern. If you would like to talk to me or a great lender please call me anytime
There may be a way to bake it into an impound account. Only thing is sometimes flaky HOA's change dues, special assessments etc. so much, it may be hard to quantify.
Give me a shout out if you need additional help. I may be able to steer you away from the HOA's that are not bickering and sueing each other,