TIC vs Condo in San Francisco: Financing, Pricing, and Resale Differences
The TIC discount looks attractive until you understand the financing complexity and resale risk. Here is the full picture before you make an offer.
In San Francisco, TICs typically sell for 10–20% less than comparable condos. That price difference is real — but so are the financing constraints, co-owner dynamics, and resale liquidity risks that cause it. This guide tells you exactly when a TIC makes sense and when to pass.
What This Guide Covers
- What Is a TIC in San Francisco?
- TIC Financing: Fractional vs Individual
- Pricing: How Big Is the TIC Discount?
- TIC vs Condo by SF Neighborhood
- Rent Control, Ellis Act, and Tenant Protections
- Resale Liquidity and Exit Risk
- Condo Conversion: Path and Timeline
- What a Good TIC Agreement Covers
- TIC Due Diligence Checklist
- When TIC Makes Sense vs When to Pass
- Frequently Asked Questions
San Francisco has one of the largest TIC markets in the country because the city's condo conversion process is slow, expensive, and deliberately restricted. Many multi-unit buildings that were built as flats — 2-4 units in a Victorian or Edwardian building in the Mission, Noe Valley, Castro, or Inner Sunset — were never legally subdivided into condos and exist today as TIC properties. Buyers enter these properties at a meaningful discount to condo pricing and, if conditions align, may eventually benefit from a condo conversion that lifts the property's market value and liquidity.
I have helped buyers navigate both TIC and condo purchases in SF for over a decade. The TIC discount is real, and in a market where the median SF condo trades above $1 million, that 10–20% gap can represent $100,000–$200,000 in entry price savings. But what most buyers do not understand before they make an offer is how that discount compounds at resale, how co-owner dynamics can create friction that no amount of pricing analysis prepared you for, and how San Francisco's layered tenant protection laws apply to the specific building you are considering.
This guide covers every variable that determines whether a particular TIC is a smart buy or a trap in disguise.
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What Is a TIC in San Francisco?
A TIC (Tenants in Common) is a form of real property co-ownership. In a typical SF TIC, three people each own a 33.33% undivided interest in a three-unit building. A TIC agreement specifies which unit each owner exclusively occupies, how shared expenses are divided, and what happens when an owner wants to sell.
Critically, a TIC owner does not hold title to a specific unit — they hold a fractional share of the entire property. This is fundamentally different from condo ownership, where each owner holds fee simple title to a specific unit with a recorded legal description. With a condo, your unit is deeded to you individually. With a TIC, the entire building appears on one deed and your ownership is defined by a private agreement, not public title.
TIC vs Condo: The Fundamental Legal Differences
Understanding the structural differences between TIC and condo ownership is essential before evaluating any specific property. These are not just technical distinctions — they drive every downstream difference in financing availability, resale marketability, and legal exposure.
| Feature | TIC | Condo |
|---|---|---|
| Title structure | Fractional share of entire property on one deed | Fee simple title to a specific unit on a separate deed |
| What you own | Undivided % interest in the building | Your unit airspace + undivided % of common areas |
| Governing document | Private TIC agreement (not recorded) | CC&Rs + HOA (recorded with county) |
| Property tax assessment | % share of building's total assessed value | Separate parcel assessment for your unit |
| Mortgage type | Fractional or individual TIC loan (specialty) | Standard conforming mortgage |
| Resale buyer pool | TIC buyers only (smaller, specialized) | Full conforming buyer pool |
| Lender options | Limited SF-area specialty lenders | All conventional lenders, FHA, VA (where eligible) |
| HOA equivalent | No HOA; expenses per TIC agreement | HOA with board, dues, reserves |
TIC Financing: Fractional vs Individual — This Is the Critical Variable
Before making any offer on a SF TIC, the first question is: what type of financing does this building currently have, and what type can you get as a buyer? The answer to this question shapes your rate, your risk, your resale options, and your quality of life as a co-owner. Get it wrong and no amount of attractive pricing compensates.
Fractional TIC Loans
In a fractional loan structure, one mortgage is placed on the entire building. All TIC owners are jointly and severally liable for the full loan. If one co-owner loses their job, goes through a divorce, or simply stops making payments, the lender can pursue all owners. Your credit, your financial stability, and ultimately your home are tied to the decisions and circumstances of people you may barely know.
Fractional loans are significantly harder to refinance than individual loans. When interest rates drop and you want to capture a lower rate, you need all co-owners to agree and all to qualify at the new rate simultaneously. If even one co-owner has had a financial setback since origination, the refinance can fail. Fractional loans also make resale more complex: the new buyer must either assume the fractional structure or you must unwind it entirely at sale.
Very few mainstream lenders originate fractional TIC loans today. It is a specialty product offered by a handful of SF-area portfolio lenders. The rate premium over conventional mortgages can reach 0.75–1.25% depending on the lender and loan size.
Individual TIC Loans
Individual TIC financing means each owner has their own mortgage secured specifically against their fractional interest. If your co-owner defaults on their loan, it does not affect your loan in any way. You can refinance independently when it makes sense for your situation. You qualify based on your own income and credit alone. This is how TIC financing should work.
Individual TIC loans are offered by several SF-area lenders who specialize in this product — institutions like Sterling Bank and Trust and a small number of other portfolio lenders with long experience in the SF TIC market. They typically carry a 0.25–0.75% rate premium over comparable conforming condo loans, which is meaningful over a 30-year term but far preferable to the shared-liability exposure of a fractional loan. As of 2026, buyers with strong credit and 20% down can typically obtain individual TIC financing at rates in this range.
What Lenders Look for in Individual TIC Financing
When you apply for individual TIC financing in SF, lenders will scrutinize factors beyond your standard creditworthiness. Expect them to review:
- The TIC agreement itself — lenders want to see a professionally drafted document with clear exclusive occupancy provisions
- The financial stability of your co-owners — some lenders review co-owner income and credit even for individual loans
- Building condition and deferred maintenance — lenders are more cautious on buildings with large outstanding repair needs
- Prior fractional loan history — a building with a prior fractional loan default on record faces elevated scrutiny
- Number of units — lenders are generally more comfortable with 2–4 unit TICs than with larger buildings
Plan for the TIC financing process to take longer than a standard condo purchase — typically 45–60 days rather than 30 days. Build this into your offer timeline.
Pricing: How Big Is the TIC Discount in 2026?
The TIC discount in SF in 2026 ranges from approximately 10% to 20% below comparable condo pricing in the same neighborhood. This is not a uniform number — it varies significantly based on the specific combination of factors that either amplify or reduce the structural risks of TIC ownership. Understanding what moves the number is how you evaluate whether any given TIC is priced fairly.
| Factor | Narrows Discount (Toward 10%) | Widens Discount (Toward 20%+) |
|---|---|---|
| Financing type | Individual financing already in place | Fractional financing only, no conversion path |
| Condo conversion eligibility | Eligible building, near front of conversion queue | Ineligible for conversion or no path identified |
| Number of units / co-owners | 2-unit TIC (simpler dynamics, easier exit) | 6+ unit TIC (complex co-owner mix, harder coordination) |
| TIC agreement quality | Professional, comprehensive, recently attorney-drafted | Informal, outdated, gap-filled, not attorney-reviewed |
| Building condition | Renovated, no deferred maintenance, no soft-story seismic work needed | Major repairs pending, soft-story retrofit outstanding, shared cost disputes |
| Rent control tenancies | All units owner-occupied | One or more units with long-term rent-controlled tenants |
| SF market conditions | Hot seller's market, low condo inventory | Soft condo market (like mid-2026 conditions) |
Real-World Price Benchmarks (SF, 2026)
To understand the TIC discount in concrete terms, consider how it applies to actual SF neighborhoods. With the SF median condo price near $1.07M in early 2026 (per SF Association of Realtors data), a TIC unit that would command $1.1M as a condo may be listed at $880K–$990K as a TIC — reflecting the 10–20% structural discount. In neighborhoods like Noe Valley, the Castro, and the Inner Sunset, where condo prices frequently exceed $1.2M–$1.5M for two-bedroom units, the TIC discount can represent $150,000–$300,000 in entry-price savings. That is not trivial, and it explains why well-informed buyers remain active in the SF TIC market despite the added complexity.
However, buyers must evaluate the discount against the full lifecycle cost of TIC ownership. The rate premium on individual TIC financing of 0.25–0.75% over 30 years adds up. The narrower resale pool at exit means realizing a price below comparable condos again when you sell. And if the building requires a soft-story seismic retrofit — required for many pre-1978 wood-frame buildings under SF's mandatory retrofit ordinance — the cost is shared among all TIC owners and can reach $30,000–$100,000+ per unit depending on building size and condition.
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TIC vs Condo by SF Neighborhood: Where the Math Works
TICs are not evenly distributed across San Francisco. They are concentrated in specific neighborhoods where pre-war Victorian and Edwardian multi-unit buildings are most common and where condo conversion has historically been limited. Understanding which neighborhoods have the most active TIC markets — and why — helps you evaluate any specific listing in context.
Noe Valley
One of SF's most active TIC markets. Well-maintained 2-4 unit Victorians. TIC discount of 10–15% vs condos is common here because individual financing is widely available and co-owner dynamics in smaller buildings are manageable. Good condo conversion upside on eligible buildings.
The Castro / Duboce Triangle
Strong TIC inventory in Edwardian flats. Proximity to transit and neighborhood amenities makes TIC entry here attractive for buyers priced out of condos. Discount tends toward 12–18% given high condo competition. Watch for soft-story retrofit exposure on pre-1978 buildings.
Mission / Bernal Heights
Significant TIC inventory at a wide discount range (12–22%) because rent-controlled tenancy exposure is more common here. Buyer due diligence on tenancy status is especially important. Properties fully vacated or all-owner-occupied trade at the tighter end of the discount range.
Inner Sunset / Cole Valley
Strong family-oriented TIC market. 2-3 unit Edwardian flats are common. Individual financing is available from SF specialty lenders. Discount of 10–16% vs neighborhood condos is typical. Good neighborhood fundamentals and relatively stable co-owner dynamics.
Haight-Ashbury / Lower Haight
Victorian building stock with significant TIC inventory. Larger 4-6 unit buildings appear here, which widens the discount. Vetting co-owner dynamics more carefully is important in larger TIC buildings. Mixed owner-occupied and tenant-occupied units are common.
SOMA / South Beach
Newer condo inventory predominates. TICs here are less common than in older neighborhoods. When TICs do appear, they are often in older converted buildings. The newer high-rise condos in SOMA are fee-simple — they are not TICs despite sometimes being called "condominiums" in a general sense.
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Rent Control, Ellis Act, and Tenant Protections: What TIC Buyers Must Know
This is one of the most under-analyzed areas in SF TIC purchases — and it can turn an attractively priced TIC into a significant financial and legal headache. San Francisco has some of the strongest tenant protections in the United States, and they follow the property, not the seller.
SF Rent Control Ordinance (Pre-1979 Buildings)
San Francisco's Rent Stabilization and Arbitration Ordinance applies to most residential units in buildings constructed before June 13, 1979. If a unit in your potential TIC building is occupied by a rent-controlled tenant — even one who has been paying below-market rent for 20 years — that tenancy transfers with the property when you buy it. You cannot raise the rent to market rate simply because you purchased the building. The tenant's rent is tied to the original base rent adjusted only by the annual allowable increase.
In practice, this means a TIC with two units where one unit has a long-term rent-controlled tenant at $800/month in a neighborhood where market rents are $3,200/month is not simply a discounted asset — it is a complicated situation requiring careful legal analysis. You are buying the property subject to that tenancy.
Owner Move-In Eviction (OMI)
San Francisco's Just Cause for Eviction ordinance (and state law AB 1482 as a statewide floor) requires landlords to have a legally recognized cause to evict a tenant in a covered building. One recognized cause is Owner Move-In: you can evict a tenant if you genuinely intend to occupy the unit as your primary residence. However, SF's OMI rules include significant restrictions:
- You must actually occupy the unit within 3 months of the eviction becoming final
- You must continue to occupy it for at least 3 years
- You must pay the tenant relocation assistance (an amount set by the SF Rent Board, typically several months of rent)
- You are prohibited from re-renting the unit to a new tenant for 3 years if you leave
- The tenant retains a right of first refusal if you later re-rent the unit
OMI is a legally valid but burdensome path. Do not buy a TIC assuming an OMI eviction will be quick or cheap. Budget significant relocation costs and assume 6–12 months from the eviction notice to actual occupancy.
The Ellis Act: Exiting the Rental Business Entirely
The Ellis Act is a California state law that allows property owners to exit the rental business by removing all tenants from all units in a building. In the context of a TIC building with multiple co-owners, the Ellis Act is effectively a nuclear option: all co-owners must agree to withdraw all units from the rental market simultaneously. All tenants in the building must be evicted (with relocation assistance), and the entire building must be withdrawn from rental use. SF layered additional requirements on top of the state law, including longer notice periods for elderly and disabled tenants and extended relocation payment obligations.
For a TIC buyer counting on reclaiming a tenanted unit, the Ellis Act is rarely a practical path — it requires unanimous co-owner buy-in and forecloses re-renting the building for years afterward. Understand this before factoring tenant-vacated scenarios into your purchase decision.
Resale Liquidity and Exit Risk
This is where most TIC buyers get surprised, and it is the most important risk category to model before you buy. When you purchased your TIC, you accepted a 12–15% discount versus condos because you were a TIC buyer. When you go to sell 5–7 years later, you will have to offer that same discount — because the next buyer faces the same financing complexity, the same co-owner dynamics, and the same narrower lender pool that you faced. The structural discount is persistent.
In a strong SF seller's market, this is manageable. High demand compresses discounts across all property types, including TICs. In a soft SF market — and SF condo conditions in 2026 are notably soft after years of post-pandemic adjustment — TICs sit on market longer and sometimes sell at wider discounts than the original purchase differential. The delta between TIC and condo pricing tends to widen when the overall market weakens, which is exactly when you might be most motivated to sell.
The Four Exit Scenarios Every TIC Buyer Should Model
- Strong market exit (planned, 7+ years out): You bought at a 15% TIC discount, the SF market appreciates, and you sell at a 12% TIC discount to a well-prepared buyer with individual financing. You capture most of the appreciation plus the equity you built through mortgage paydown. This is the positive TIC scenario.
- Soft market exit (planned, 5–7 years out): The SF condo market softens. Condo prices are flat or slightly down from your purchase year. The TIC discount has widened from 15% to 20%. Your total return is compressed and possibly negative relative to inflation. Still survivable if you have no forced selling pressure.
- Forced exit (unplanned, under 3 years): Job change, divorce, health issue — you need to sell. The TIC discount is what it is regardless of your timeline. You may sell below your purchase price after transaction costs. This is where TIC ownership creates real financial stress. Model this scenario before buying.
- Post-condo conversion exit: The building successfully converts to condos during your ownership. Your TIC interest converts to a fee-simple condo deed. You now have a full condo to sell, eligible for conforming financing and the full buyer pool. This is the best TIC exit scenario — but it requires patience, eligible building status, and the SF conversion process to actually execute.
Condo Conversion: The Long Game
SF's condo conversion process is the TIC buyer's potential upside. A successful conversion lifts your ownership from a fractional TIC interest to fee simple condo title, which improves resale liquidity, expands your lender options to all conforming loans, and typically adds 10–15% to the property's market value. It is a meaningful outcome — but reaching it requires patience and specific eligibility.
Standard Track: The Conversion Lottery
San Francisco's standard condo conversion process operates through an annual lottery. Buildings apply to enter the conversion queue, and the city allows a limited number of conversions each year — a number that has been politically contested and has varied significantly over time. Under current rules, buildings with 2–4 units that meet the eligibility criteria are eligible to enter the standard lottery. Buildings with 5 or more units face much more restrictive conversion rules and in practice rarely convert. The estimated queue time under the standard track is typically 5–10 years from application to completion, though it varies based on annual lottery results, building eligibility, and SF Board of Supervisors policy decisions.
Bypass Lottery (For 2-Unit Buildings)
Periodically, San Francisco has opened a bypass process for 2-unit buildings that meet specific criteria: both units are owner-occupied for a minimum period (historically 1–3 years), the building has not been subject to eviction proceedings within a specified look-back period, and both owners agree to the conversion. The bypass lottery has allowed qualifying 2-unit TICs to convert without waiting in the standard multi-year queue. However, the bypass process is not always open, is subject to policy changes, and is not guaranteed. A 2-unit TIC building with a strong owner-occupancy history is the best candidate for eventual conversion — but do not purchase a 2-unit TIC assuming the bypass will be available when you are ready.
What Condo Conversion Does to Property Value
The financial impact of successful conversion is significant and largely predictable. A unit that was priced at a 15% TIC discount pre-conversion will typically trade as a full condo within 6–12 months of conversion completion, capturing the discount as immediate equity gain. In a neighborhood where 2-bedroom condos are trading at $1.2M, a 15% TIC discount implies a $1.02M TIC price — conversion to condo status adds approximately $180,000 in equity without any physical improvement to the property. This is the math that makes well-positioned TICs genuinely attractive for informed, patient buyers.
For current SF condo conversion process details, owner-occupancy requirements, and fee schedules, see the SF condo conversion full guide.
What a Good TIC Agreement Covers
The TIC agreement is the governing document for your co-ownership. Unlike a condo's CC&Rs — which are recorded with the county and have statutory backing under California Civil Code — a TIC agreement is a private contract. Its enforceability depends on how well it was drafted, whether all parties understood it, and how clearly it anticipates the disputes that actually arise. A weak TIC agreement is not just a legal risk — it is a relationship management problem that plays out in awkward conversations in the shared hallway.
A well-drafted SF TIC agreement should include all of the following provisions:
- Exclusive occupancy rights — a precise legal description of which unit, parking space(s), storage area(s), outdoor space, and common areas each owner has exclusive use of. Ambiguity here is the most common source of co-owner disputes.
- Expense allocation — a specific formula for how shared costs (property insurance, common area maintenance, exterior repairs, soft-story seismic retrofit if applicable, property management fees if any) are divided among owners. Per-unit splits, per-percentage splits, and specific-responsibility structures all appear in SF TIC agreements — the key is that the formula is clear and unambiguous.
- Sale process and right of first refusal — the procedure for when an owner wants to sell, including the right of other co-owners to match any third-party offer, the timeline for exercising that right, and the process for bringing in a new TIC co-owner. Poor ROFR provisions create disputes and slow sales unnecessarily.
- Dispute resolution — a clear path from disagreement to resolution, typically: good faith negotiation, then mediation with a specific mediator selection process, then binding arbitration. This provision keeps disputes out of court — critical because SF TIC litigation is expensive and slow.
- Default provisions — what happens if one owner stops paying their share of shared expenses, fails to maintain their unit per building code, or defaults on their mortgage. The agreement should specify remedies including lien rights and indemnification obligations.
- Financing consent requirements — whether co-owner consent is required before one owner refinances their interest. This is particularly important in buildings with fractional financing being converted to individual loans.
- Improvement and renovation approval — the vote threshold (typically majority or unanimous depending on scope) required before any owner can make structural changes, major system replacements, or modifications affecting shared elements of the building.
- Condo conversion cooperation clause — a provision requiring all owners to cooperate with a condo conversion application if the building becomes eligible, and specifying how conversion costs will be shared.
- Insurance requirements — each owner's obligation to carry homeowner's insurance at a minimum coverage level, and the building's requirement for a single master property insurance policy.
TIC: When It Works
- Individual financing is in place or confirmed available from a specialty lender
- 2-3 unit building with manageable co-owner dynamics
- TIC discount is 12–18% vs confirmed condo comps in the same neighborhood
- Building is eligible for SF condo conversion process
- All units are owner-occupied — no rent-controlled tenancies in place
- You plan to hold the property for 7+ years
- TIC agreement has been reviewed and approved by a SF TIC attorney
- Soft-story seismic retrofit (if required) is completed or budgeted
TIC: When to Pass
- Only fractional financing is available with no conversion path
- 5+ unit building with a complex or contentious co-owner mix
- Discount is less than 10% vs condos — you are overpaying for TIC risk
- One or more units have long-term rent-controlled tenants at significantly below-market rent
- No viable path to condo conversion exists
- You may need to sell within 5 years (career uncertainty, growing family, other life events)
- TIC agreement has not been reviewed by a qualified attorney — or has not been updated in 10+ years
- Outstanding soft-story retrofit work is unbudgeted and co-owners are in conflict over it
TIC Due Diligence Checklist: 10 Things to Verify Before Removing Contingencies
SF TIC due diligence requires reviewing materials that simply do not exist in a standard condo or single-family home transaction. The following checklist covers the minimum required review for any SF TIC purchase. Many items should be reviewed before you make an offer if at all possible — some can only be reviewed during the inspection contingency period.
- Confirm financing type and lender availability: Is the building on individual or fractional financing? If individual, which lender currently holds the loans? Contact SF-area TIC specialty lenders before making an offer to confirm you can obtain individual financing on this specific building at acceptable terms.
- Review the complete TIC agreement: Obtain the full, current TIC agreement — not a summary, the complete document. Have a SF TIC attorney review it specifically for the provisions listed in the section above. Get their written assessment before removing your inspection contingency.
- Verify tenancy status on every unit: Request estoppel certificates or written tenancy declarations from the seller confirming the tenancy status of every unit. Verify move-in dates, current rents, and whether any units are subject to SF Rent Control Ordinance protection. For pre-1979 buildings, assume rent control applies unless you have confirmed otherwise.
- Check soft-story seismic retrofit status: Under SF's mandatory soft-story retrofit ordinance, most pre-1978 wood-frame buildings with five or more units on the ground floor (often including 3-4 unit Edwardians) must complete a seismic retrofit. Verify whether the building has received a permit, completed work, or is still on the compliance timeline. Outstanding retrofit work creates a shared cost obligation.
- Pull the SF Department of Building Inspection (DBI) permit history: Review all permits pulled on the building, open violations, and any outstanding code compliance orders. Unpermitted work — common in Victorian and Edwardian flats — can create title issues, required remediation costs, and financing complications.
- Review 3 years of building financial records: Request the shared expense ledger for the past 3 years. Look for evidence of co-owner disputes about cost allocation, any unpaid assessments, and whether the building has an adequate reserve fund for major system replacements (roof, plumbing, electrical).
- Confirm property tax liability structure: Each TIC owner should have their own property tax assessment proportional to their ownership percentage. Verify there are no outstanding property tax liens or delinquencies on the building as a whole.
- Review co-owner financial stability: While you cannot compel disclosure of your future co-owners' financial details, you can ask your agent to inquire whether there are any known pending financial issues, outstanding liens, or bankruptcy proceedings affecting any current co-owner. In a fractional loan structure, this matters enormously.
- Check condo conversion eligibility and queue position: Request documentation from the seller showing whether the building has ever applied for SF condo conversion, where it stands in the queue, and whether it has ever been found ineligible. Ask specifically about any prior eviction proceedings that could affect future conversion eligibility.
- Inspect for lead paint, asbestos, and deferred maintenance: Pre-1978 SF buildings commonly contain lead paint and asbestos in various building components. Get a full inspection including a licensed inspector who can identify and estimate remediation costs. In a TIC, major remediation costs are shared — get the full picture before committing.
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When TIC Makes Sense vs When to Pass
TIC vs Condo Quick Decision Guide
TIC vs Condo Cost Comparison Over Time
To make the TIC-versus-condo decision concrete, consider a 7-year holding period comparison on a $1.1M equivalent unit in Noe Valley. This is a stylized comparison using representative assumptions — consult a financial advisor for your specific situation.
| Cost Factor | Condo ($1.1M purchase) | TIC ($935K purchase — 15% discount) |
|---|---|---|
| Down payment (20%) | $220,000 | $187,000 |
| Loan amount | $880,000 | $748,000 |
| Loan rate (30-yr) | 6.75% (conforming) | 7.25% (TIC premium) |
| Monthly P&I | $5,709 | $5,106 |
| HOA / TIC shared expenses (est.) | $650/mo (HOA dues) | $300–500/mo (shared expenses, no formal HOA) |
| Estimated sale price (7 yrs, flat market) | $1.1M (full condo) | $935K–$990K (TIC discount persists) |
| Entry price advantage (TIC vs Condo) | — | $165,000 saved at purchase |
| Rate premium cost over 7 yrs (0.5% on $748K) | — | ~$26,000 |
| Net TIC entry advantage (rough estimate) | — | $139,000 net savings (before resale discount variance) |
The key insight from this comparison: the TIC entry price advantage is real and substantial. In a flat or appreciating market with a 7+ year hold, TIC buyers can come out meaningfully ahead even after accounting for the rate premium. The risk concentrates in short holding periods and soft markets — which is exactly when buyers tend to underestimate it.
Frequently Asked Questions
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Related SF Ownership Guides
TIC or Condo — Get the Right Answer Before You Offer
SF TIC purchases are not complicated if you know what to check. I have done this dozens of times. Let me walk you through the financing, the agreement, the tenancy status, and the comparable condo pricing before you commit to one of the largest financial decisions of your life.
