GREAT 3/2 UNIT IN BAYAN TREE COMMUNITY. COMPLETLEY RENOVATED IN 2015.AC UNIT LESS THAN 5 YEARS, ALL APPLIANCES ARE ENERGY EFFICIENT. IMPACT WINDOWS AND SLIDING DOORS. Covnetional loans ONLY WITH 25% down. HOA Has over $300,000 in reserves, but IT only reserves 9.5% of its budget.THIS MEANS YOU WONT QUALIFY WITH 5% DOWN.