| Factor | CV WPB | Golden Lakes | Baywinds |
|---|---|---|---|
| Price | $100K | $150K | $400K |
| Monthly | $675 | $685 | $1,210 |
| Built | 1970s | 1980s–90s | 2000s |
| Units | 6,500 | 1,088 | 1,082 |
| SB 4-D | Yes | Yes | No |
| Financing | Cash mostly | Limited | Conventional |
CV and Golden Lakes cost nearly the same monthly ($675 vs $685) despite a $50K purchase price gap. Both are legacy buildings with SB 4-D exposure. Baywinds costs $535/month more but eliminates SB 4-D risk entirely and qualifies for conventional financing. The $535/month premium is the cost of financial predictability.
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