CMBS 201: Complex Loan Structures and Subordinate Debt

Florida's condominiums and HOAs face converging pressures from stalled legislation, new Fannie Mae and Freddie Mac lending standards, and proposed reforms to the state's condominium termination statute.

The Florida Housing Finance Corporation (“FHFC”) recently published the 2026 Income Limits and Rent Limits. These figures reflect a 9% increase in most jurisdictions’ rent limits applicable to qualifying Live Local Act projects.

The rapid expansion of bank–fintech partnerships—particularly through banking-as-a-service (BaaS) models—has fundamentally reshaped the delivery of financial products. But as these relationships proliferate, so too does litigation risk. Many of the resulting disputes hinge on a fam...