Slide 1

Florida wants condos more affordable—down payments could drop from 20% to national 3–5% standard.

Slide 2

Insurance premiums are skyrocketing—buyers pay both personal HO-6 and rising HOA master policy costs.

Slide 3

HOA fees are climbing fast—roof, structural repairs, and reserve funds are breaking budgets.

Slide 4

Surfside tragedy changed everything: inspections and reserve fund laws protect safety but hike costs.

Slide 5

Florida condos are unique—high down payments, strict regulations, and insurance make buying complicated.