1.   Another wrinkle is that there could be a different company servicing the mortgage loan of each condominium owner in a complex.

2.   As in other rentals, vacancies are above normal, with some condominium owners resorting to short-term leases as well as lower rents to bolster income.

3.   But co-op shareholders and condominium owners in similar circumstances face a more limited array of alternatives.

4.   Condominium owners will be offered, as part of their monthly maintenance, recreational and social amenities.

5.   Giuliani also would cut taxes for condominium owners and on commercial real estate rental income.

6.   If a condominium owner has a bevy of overdue charges to the association antedating filing, the court decides whether to forgive that debt.

7.   Instead, he said, most tenants, including co-op and condominium owners, tend to make complaints to their landlords, their boards or their managing agents.

8.   Landlords, co-op shareholders, condominium owners, market-rate renters and even, eventually, rent-regulated tenants will pay the price.

9.   The condominium owners have unkind words to say about them all.

10.   The moratorium will also apply to insurance for condominium owners, but the company said it will continue to write new policies for renters.