Some properties sail through financing. Others hit questions nobody saw coming — condos, solar leases, ADUs, well and septic. Check the property here and walk into the listing appointment knowing what to ask.
The rule of this tool: it flags characteristics that commonly raise financing questions — and tells you what to ask and who to ask. It does not determine whether a property is eligible for any loan. Only the lender's underwriting can do that.
Free tool, no login needed. Nothing you check here is saved or sent anywhere — it's a one-time screen. Run it fresh for each property.
Property type
Ownership / HOA
Condition
Site
Transaction
Check everything that applies to the property.
Your question list builds itself below.
Questions, not conclusions. Every property and loan program is different. This checklist identifies common financing friction points so you know what to verify — it is not an eligibility determination and not legal or financial advice. Confirm each item with the buyer's lender.
Flag turned into a real problem?
When a property characteristic threatens the deal, the $350 File Review gives you — with the buyer's permission — a professional read on whether the financing can survive it.