Will they allow a loan assumption as the new deed owner? 

Most lenders can go up to 80-85% CLTV as long as your DTI allows it. 

This ultimately factors into your reserve assessment and your deductible selection.

Often they do not allow.

I forget the assembly bill that did not get passed that would in effect allowed each SFR lot to be like a R4 lot, allowing up to 4 units.  

Can I refuse ESAs since it would cause an "undue financial hardship" to me which is one of the exceptions allowed? 

Since I don't know what I don't know wondering if I am spinning my wheels considering approaching the condo board before purchase to find out if they would allow window replacement and if so point me in the direction to get some quick quotes so I could put together an offer. 

You will also have an issue with floors not completed, holes or missing drywall, missing toilets, sinks, etc...Most of it can be fixed but it does cost money if you allow the appraiser to go out to inspect and if any of the above is missing or damaged.

High interest rates will continue to suppress demand for homes, build inventory, and allow for buyers to better negotiate for home prices.

tax deductions?