Is Your Condo Unsellable? Fannie Mae’s Blacklist and What you Need to Know.

The Real Estate Education Podcast

In this episode of the Real Estate Education and Investing Podcast, Erin Spradlin and James Carlson examine two urgent real estate issues facing buyers and investors in 2025. First, they take a close look at the growing interest in office to housing conversion, especially in cities struggling with high vacancy rates and lack of affordable housing. They explore how local governments are incentivizing developers to repurpose commercial buildings, and why co-housing might be the only financially viable option in many of these conversions. Erin shares why the rise in remote work is pushing companies to reevaluate office space, while James warns of the unintended consequence of turning corporate buildings into glorified company dorms.

Then they unpack the implications of the Fannie Mae condo blacklist, which quietly renders thousands of condo buildings ineligible for traditional financing due to stricter post-Surfside regulations. From insurance issues with HOAs to outdated building maintenance, Erin and James reveal how being labeled a non-warrantable condo can trap sellers and scare off buyers—especially since there's no public access to the list. They offer a helpful reminder to always ask about a condo’s loan eligibility and recommend working with agents who understand how to interpret HOA financials and compliance documents.

Whether you're looking to invest in co-living spaces or buy a condo, this episode is packed with actionable advice and critical insights into the realities of urban housing in 2025.

Contact James: [email protected]

Contact Erin: [email protected]

For more information visit: https://www.jamescarlsonre.com/ https://www.erinandjamesrealestate.com/