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Financing: Financeability Index (0–100) with its 12/24-month aggregates from recorded mortgages and deeds — bank-financed share of sales, lowest / median down payment, lending mix by purpose, programme, rate type and sworn occupancy, institutional vs private share, distinct-lender count, LTV bands, satisfactions, loans and recorded sales by year, turnover — plus FHA / VA approvals and the Property Appraiser ownership mix (owner-occupied, entity, foreign, largest owner). Health: City of Miami 40/50-year recertification status, other verified official records, and when county records / DBPR / the docket were last searched. Legal & regulatory: civil cases involving the association by own.miami case type (construction defect, insurance, disputes, collections…) with reviewed summaries, and DBPR complaint / discipline counts. Risk summary: score, level and flags with plain-language explanations and what to ask the association next. 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