If you are expecting to get a loan and a condo cert is required and one hasn’t been approved by an underwriter, you are wasting your time even thinking about buying the place.

Many people qualify as borrowers but the condo complex doesn’t qualify. There are various reasons for this, and it doesn’t matter how high your credit score is or how much you are putting down or how much money you make.

Even an 800 credit score wanting to put 75% down can’t get financing on some condos.

If you are going to pay cash, you can buy whatever you want.
Expect to pay $50 to $100 to get a cert filled out by the mgmt company, and around $400 for an appraisal. You can also be charged $100-$200 to have the lender named as add’l insured on the master policy.