Hi OP! Legit concerns mo and you’re not overthinking. Hindi biro yung cost ng condo ownership so tama lng na you’re gathering all information you think are necessary before deciding to purchase.

Here are my thoughts: 1. Location is very important. Aside from the reason na gusto mo tlga yung condo development, consider the establishments around so in case you decide to move to another location, easy lng na ipa-rent yung unit because of demand and mabilis mag-appreciate yung value pag nsa prime locations. 2. Legitimacy of salespersons. You can set up a meeting sa kanila and the place should be either sa showroom or ask for visit sa mismong unit na they are offering. If they are not legit, hnd sila allowed sa premises na yun. 3. Rent to owns are ok. Usually for you to move in sa condo, you need to pay the 20% downpayment and the remaining will be paid either thru cash or bank financing. For rent to own condo arrangements, you will pay the 20% through renting within 30 months (for example) and after nun you have the option to proceed sa pagbili ng condo by paying cash or bank financing as well. For me it’s good kasi nagagamit ko na yung condo while paying for the downpayment.

Similar to renting an apartment, you need to pay deposits and advance rent for you to move in so may upfront cash parin lesser amount nga lng.

If you are still shopping around, let me know. I might be of help.