Exact calculations of collective excitations and charge/spin (pseudo)gaps in an ensemble of bipartite and nonbipartite clusters yield level crossing degeneracies, spin-charge separation, condensation and recombination of electron charge and spin, driven by interaction strength, inter-site couplings and temperature. Near crossing degeneracies, the electron configurations of the lowest energies control the physics of electronic pairing, phase separation and magnetic transitions. Rigorous conditions are found for the smooth and dramatic phase transitions with competing stable and unstable inhomogeneities. Condensation of electron charge and spin degrees at various temperatures offers a new mechanism of pairing and a possible route to superconductivity in inhomogeneous systems, different from the BCS scenario. Small bipartite and frustrated clusters exhibit charge and spin inhomogeneities in many respects typical for nano and heterostructured materials. The calculated phase diagrams in various geometries may be linked to atomic scale experiments in high T$_c$ cuprates, manganites and other concentrated transition metal oxides.
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