Simultaneously no and na adjective

Is there a surefire way to determine whether to follow with a “no” or “na” after an adjective that can have both? I feel as though this isn’t always obvious like with “kanjin”. It can be used like “…kanjin na toki ni…” or “kanjin no Momoka ga…” and “saikou” is usually followed by “no” but there can also be “saikou na shiawase” or “saikou na party”.