Read your question, do you think any lender can work with sketchy condo docs? I have a hard time getting a condo approved when all of the ducks are in a row. Call an HOA meeting; redo your docs so lenders can work with them.
If it is a horizontal regime consider un-condo as a solution. If you convert it to fee simple title you donâ€™t need condo approval. see the link below. Good luck,
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Financing Kentucky One Home at a Time
I answer questions about financing real estate based on my decades of experience dealing with mortgage underwriters. This answer is my personal opinion, has not been reviewed or approved by the company I work for. I do not offer legal or tax advice, if you need answers from an attorney or CPA find one knowledgeable in your local market.