I wish I had an easy answer for you but I don't. The reason you can't find a loan is not because you're too small, but rather because you have no real collateral. If the condo association doesn't pay it's loan, the lender is left holding the bag. You cannot ignore the issues that face you as they will just degrade your already tenuous equity situation. I urge you to find and pay a property manager. I suspect you got into this situation by cutting corners and by not paying a property manager. In the end, even if you self-manage, there is only one way out: you will have pass a special assessment and or have a condo fee increase.