Buying a condo without formal HOA

[Sarann K.]

Hello everyone, 

I'm looking to purchase a detached condo, which is listed for sale as a condo. The entire area has three unit, one duplex and one detached which is the one I'm interested in. It is listed as condo where the owner is responsible for maintenance, so there is no condo fee or HOA rules or board in place, but it's formally listed as a 'condo'. Is there any lender especially in Massachusetts who is willing to give a loan to such property?

Thank you very much,

Sarann