I agree and I am sure the apartment owner makes a hell lot of money than a cafe owner. If they (govt. and apartment owners) really cared about disabled people they could have easily added ramps to the buildings in last 30 years. They are probably just taking advantage of loopholes.

It’s not a loophole. The ADA simply doesn’t require people to add accommodations unless construction or renovation is taking place. It was a very intentional provision.

I don't want to drag this, but 2 years ago they installed new steps outside all buildings in the complex. Basically replaced old precast concrete steps with new precast concrete steps. Probably that doesn't qualify as renovation and doesn't need inspection or approvals.