I agree with you that it's hard to predict future liabilities in condos, but if you choose wisely (solid management, reliable developer, newer construction), you can reduce the risk. 

I invest heavily here myself and work with reliable contractors.Let me know how I can help!

I've closed all the ones I've done this with but locking it up at a good number is most important.I've even found deals by calling on for rent signs in an area and just asking if they would entertain an offer.Ask, text and email.

Absolutely insane to lock up your money that long and the best you are hoping for is to break even.

Do you have reputable and reliable contractor that you can recommend?

Posted 3 day notice, then, bam, out and code enforcement and the police came and watched me change the locks and posted no one could enter the property. 

How did you find reliable cleaners and handyman for your area?

We were about to close on a refi locking in a 2.5% 30 year fixed and pulled the plug at the last minute to switch to the All in One, but the lender pretty much told me why I was making a poor choice, so this is very affirming.

We quote based on the estimated FICO score you provide so if done right with accurately submitted numbers (property income, expenses, taxes) then the actual credit pull on loan app is the only way a rate would differ from the quote and term that is rate locked for underwriting or if the loan app is submitted in a large enough time window in which rates could have changed (we're in a dynamic rate environment so by the day and the week rates fluctuate). 

Ensure that you are always being responsive, respectful and reliable.