I also live in a Condo Complex in the Natomas Area of Sacramento and same story with Surewest, they can't give you the high speeds due to what you said. I got Comcast and it worked fine until the last 2 weeks when I started getting barely 400kbps. Calls to Comcast were of no help as they kept saying everything "looks fine" from their end.
I even switched to another cable modem by exchanging it and still the same slow speeds. I wonder if I have hit their 250Gig limit (since i was backing up my hard drive to Mozy) and also use Roku/Netflix to watch some HD movies.
Or maybe its a temporary problem in my area which they are not admitting to.