See what the Decision Record actually looks like
These examples show how CondoScreener Pro turns a likely path into a file-ready action plan with blocker clarity, request-first guidance, what to avoid, and a note you can save or forward.
Best when you have a live file and need to know the next move quickly. The free result explains the likely lane. The Decision Record shows what is holding confidence back, what to request first, and what to do today.
Sample likely waiver-path candidate
This is the kind of paid output a cleaner small-condo file would produce when no decisive blocker is reported, but there are still a few facts and documents to confirm.
CondoScreener Pro
Decision Record
North Harbor Condominiums
Designed to help organize the file, identify likely next requests, and confirm the likely review path before deeper lender review.
Generated
April 1, 2026
Application date
March 31, 2026
Reference ID
CSP-240401-NHC
Agency
Fannie Mae
Confidence note
Useful directional pre-screen only. Final handling still depends on lender review and complete project documentation.
Likely path
Likely waiver-path candidate
Based on the submitted facts, this appears to fit the simpler path today, though lender overlays and complete project documentation still matter.
Primary blocker
No decisive blocker reported from the submitted answers.
Still limiting confidence: project status and approximate LTV bucket remain unconfirmed.
Why this is decisive
- No reported blocker is forcing a heavier review path today.
Why the tool said that
- Target agency is Fannie Mae and the submitted project still fits the smaller-project fact pattern.
- No transient-use, hotel-like use, litigation, or major safety issue was reported.
- The project is not marked as part of a larger master association.
What this typically triggers
- The file can stay on a simpler path only if the lender is comfortable with the current facts and documents.
What this changes
- The file can stay cleaner only if the remaining unknowns and missing budget details do not introduce a heavier review requirement.
Already on hand
- HOA questionnaire
- Master insurance documents
Still missing
- Current HOA budget and reserve allocation information.
Still unconfirmed
- Project status is still unknown.
- Approximate LTV bucket is still unknown.
Request these first
- Current HOA budget and reserve allocation information
- Clarification of project status
- Clarification of approximate LTV bucket if lender handling depends on it
Why these matter
- These are the items most likely to hold up the file next.
- Resolve them before relying on the simpler path.
What to avoid right now
- Do not treat this as final lender handling.
- Do not skip the remaining budget and still-unconfirmed facts before relying on the simpler path.
What should I do today
- Save this summary to the file.
- Request the current HOA budget and reserve allocation information.
- Confirm whether project status or LTV changes the likely lane.
What could change this result
- Confirmation the project is new or newly converted instead of established.
- A lender-specific overlay tied to occupancy, LTV, or project documentation.
Internal summary
Likely waiver-path candidate based on the submitted facts. HOA questionnaire and insurance docs are on hand. Need the current budget and the remaining unknown facts before relying on the current lane estimate.
Submitted answers
Property
North Harbor Condominiums
Application date
March 31, 2026
Agency
Fannie Mae
Unit count
4
Unit structure
Attached
Master association / larger development
No
Timing and ruleset context
Application date entered: March 31, 2026
Ruleset used: v1.0.0. Effective date: January 1, 2026.
Final lender handling depends on the requirements in effect when the loan is reviewed.
Policy references
Fannie Mae condo review guidance
Project-review handling still depends on the project facts, the documents on hand, and the lender requirements in effect at review time.
Fannie Mae Selling Guide condo project review guidance
This is an informational pre-screen only. It does not replace lender review, underwriting, legal advice, or insurance advice. Final determination depends on complete documentation and the lender requirements in effect at review time.
Sample likely lender-review path output
This is what the paid file looks like when a decisive blocker pushes the file away from a simpler lane and toward lender review.
CondoScreener Pro
Decision Record
Harbor View Bay
Designed to help organize the file, identify likely next requests, and confirm the likely review path before deeper lender review.
Generated
April 1, 2026
Application date
April 1, 2026
Reference ID
CSP-240401-HBV
Agency
Fannie Mae
Confidence note
This is a conservative pre-screen, not final lender handling.
Likely path
Likely lender-review path
Based on the submitted answers, this does not look like a simple lane today. Lender review is more likely before relying on a final path.
Primary blocker
Transient / hotel-like use reported.
Secondary note: occupancy type and master-association involvement are still unconfirmed.
Why this is decisive
- Transient or hotel-like use usually pushes the file away from a simpler condo path.
Why the tool said that
- Transient or hotel-like use was reported.
- The file still has unresolved facts that could affect how the lender handles the project.
What this typically triggers
- Direct lender review instead of streamlined handling.
- Additional documentation or clarification tied to actual project use.
What this changes
- The file should not rely on a simpler path until the reported use issue is clarified.
- Standard condo documents alone may not resolve the blocker.
Already on hand
- HOA questionnaire
- Current HOA budget
- Master insurance documents
Still missing
No explicit missing documents were flagged from the submitted answers.
Still unconfirmed
- Occupancy type is still unknown.
- Master association involvement is still unknown.
Request these first
- Blocker-specific clarification of actual project use and rental restrictions
- Confirmation of master-association involvement
- Clarification of occupancy type if lender handling depends on it
Why these matter
- These are the items most likely to hold up the file next.
- If they remain unresolved, the lender may slow or re-route review.
What to avoid right now
- Do not treat this as a simple-path file.
- Do not assume the standard condo documents alone resolve the use issue.
- Do not move the file forward as if blocker-related facts are settled.
What should I do today
- Save this summary to the file.
- Move the file into lender review with the blocker details and current project documents.
- Request written clarification tied to actual project use and rental restrictions.
What could change this result
- Clarification that the project does not actually have transient or hotel-like operating characteristics.
- Written lender guidance confirming how the reported use pattern is treated.
Internal summary
Likely lender-review path due to reported transient / hotel-like use. Questionnaire, budget, and insurance docs are on hand. Need use clarification before relying on any simpler lane.
Submitted answers
Property
Harbor View Bay
Application date
April 1, 2026
Agency
Fannie Mae
Unit count
8
Unit structure
Attached
Transient / hotel-like use
Yes
Timing and ruleset context
Application date entered: April 1, 2026
Ruleset used: v1.0.0. Effective date: January 1, 2026.
Final lender handling depends on the requirements in effect when the loan is reviewed.
Policy references
Fannie Mae condo review guidance
Project-review handling still depends on the project facts, the documents on hand, and the lender requirements in effect at review time.
Fannie Mae Selling Guide condo project review guidance
This is an informational pre-screen only. It does not replace lender review, underwriting, legal advice, or insurance advice. Final determination depends on complete documentation and the lender requirements in effect at review time.
Sample cannot-determine output
This is what the paid file looks like when the current facts are too incomplete for a reliable lane estimate and the fastest next move is to resolve the missing facts.
CondoScreener Pro
Decision Record
Maple Street Townhomes
Designed to help organize the file, identify likely next requests, and confirm the likely review path before deeper lender review.
Generated
April 1, 2026
Application date
April 1, 2026
Reference ID
CSP-240401-MST
Agency
Fannie Mae
Confidence note
Unknowns are limiting confidence more than any one confirmed blocker.
Likely path
Cannot determine from submitted facts
The current facts are not specific enough to rely on a simple or heavier lane yet. The file needs more clarity before the likely path is trustworthy.
Primary blocker
Project status is still unknown.
Other limiting unknowns: master-association involvement, occupancy type, and approximate LTV bucket.
Why this is decisive
- Those unknowns are lane-setting facts, so the file should not rely on the current estimate yet.
Why the tool said that
- Project status is still unknown.
- Master-association involvement is still unknown.
- Occupancy type and LTV bucket are still unknown.
What this typically triggers
- Requests for clarifying project facts before the lender will settle on a review path.
What this changes
- The file should not rely on a simple or heavier path until the core unknowns are resolved.
Already on hand
- Current HOA budget
Still missing
- HOA questionnaire / Form 1076-equivalent
Still unconfirmed
- Project status is still unknown.
- Master association involvement is still unknown.
- Occupancy type is still unknown.
- Approximate LTV bucket is still unknown.
Request these first
- HOA questionnaire / Form 1076-equivalent
- Clarification of project status
- Confirmation of master-association involvement
- Clarification of occupancy type and approximate LTV bucket
Why these matter
- These are the items most likely to hold up the file next.
- If they remain unresolved, the lender may need to slow or re-route review.
What to avoid right now
- Do not move the file forward as if the review path is settled.
- Do not rely on the current estimate until the lane-setting unknowns are resolved.
What should I do today
- Save this summary to the file.
- Request the HOA questionnaire and project-structure details first.
- Confirm the missing occupancy and LTV facts before relying on a lane estimate.
What could change this result
- Confirmation that the project is established rather than new or newly converted.
- Confirmation that the project is not part of a larger master association.
Internal summary
Cannot determine a reliable lane because project status, master-association details, occupancy, and LTV remain unconfirmed. Need questionnaire and project-structure clarification before relying on the current estimate.
Submitted answers
Property
Maple Street Townhomes
Application date
April 1, 2026
Agency
Fannie Mae
Project status
Unknown
Master association / larger development
Unknown
HOA questionnaire on hand
No
Timing and ruleset context
Application date entered: April 1, 2026
Ruleset used: v1.0.0. Effective date: January 1, 2026.
Final lender handling depends on the requirements in effect when the loan is reviewed.
Policy references
Fannie Mae condo review guidance
Project-review handling still depends on the project facts, the documents on hand, and the lender requirements in effect at review time.
Fannie Mae Selling Guide condo project review guidance
This is an informational pre-screen only. It does not replace lender review, underwriting, legal advice, or insurance advice. Final determination depends on complete documentation and the lender requirements in effect at review time.
Sample file note
Likely lender-review path due to reported transient / hotel-like use. Questionnaire, budget, and insurance docs are on hand. Need use clarification before relying on a simpler lane.
Sample request text
Hello — to keep this condo file moving, please send the current condo questionnaire / Form 1076-equivalent, current HOA budget and reserve allocation information, master insurance certificate / declarations, and written clarification of the reported project-use / rental restrictions. Thank you.
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