Pricing8 min read
Co-op vs. Condo Pricing in Manhattan
Understanding why co-ops typically trade at 10-15% discounts compared to condominiums, and what that means for buyers and sellers.
Read Article →Expert Resources
NYC Co-op Guides
Educational articles and expert insights to help you navigate Manhattan's co-op market
Buying15 min read
NYC Co-op Board Approval: The Complete Guide
Master the board approval process from application to interview. Learn what boards look for, common rejection reasons, and how to prepare.
Read Article →Buying12 min read
The Complete Board Package Guide
Everything you need to know about preparing a winning co-op board package, from financial documentation to reference letters.
Read Article →Financing10 min read
Financing Your Manhattan Co-op
A comprehensive guide to co-op financing, including down payment requirements, DTI ratios, and post-closing liquidity.
Read Article →Financials18 min read
Understanding Co-op Maintenance Fees
NYC co-op maintenance fees demystified. Learn what's included, how to evaluate building financials, tax deductions, and red flags.
Read Article →Affordable Housing20 min read
HDFC Co-ops Explained: Affordable Homeownership
HDFC co-ops offer below-market prices with income restrictions. Learn who qualifies, the benefits, risks, and what buyers must know.
Read Article →Selling16 min read
Co-op Flip Taxes: What NYC Sellers Need to Know
NYC co-op flip taxes can cost sellers 1-3% of the sale price. Learn how they work, who pays, calculation methods, and negotiation strategies.
Read Article →Buying18 min read
Sponsor Units vs. Resale Co-ops
Should you buy a sponsor unit or resale co-op? Learn the key differences in board approval, pricing, financing, and condition.
Read Article →Ownership14 min read
NYC Co-op Sublet Rules
Understand NYC co-op subletting policies, board approval requirements, sublet fees, time limits, and what to ask before buying.
Read Article →Ownership16 min read
NYC Co-op Renovation Rules
Navigate co-op alteration agreements, board approval, permits, insurance requirements, and working hour restrictions.
Read Article →Buying20 min read
NYC Co-op Closing Costs Explained
Complete breakdown of buyer and seller closing costs including mansion tax, flip tax, attorney fees, and transfer taxes.
Read Article →Buying18 min read
Buying a Pied-à-Terre in NYC
What part-time residents need to know about co-op restrictions, financial requirements, and building policies for secondary homes.
Read Article →Buying18 min read
Land Lease Co-ops: Risks & Benefits
Understanding land lease co-ops, ground rent economics, renewal provisions, and whether the discount is worth the risks.
Read Article →Ownership20 min read
NYC Co-op Pet Policies: What Buyers Need to Know
Understanding co-op pet restrictions, breed and weight limits, board approval processes, and how to find pet-friendly buildings.
Read Article →Financing18 min read
Guarantors for NYC Co-op Purchases
When guarantors are required, financial qualifications, legal obligations, and how to structure guarantor arrangements.
Read Article →Buying22 min read
Pre-War vs. Post-War Co-ops in Manhattan
Comparing architectural styles, layouts, amenities, maintenance considerations, and lifestyle factors between building eras.
Read Article →Buying25 min read
First-Time Buyer's Guide to NYC Co-ops
A comprehensive walkthrough for newcomers covering how co-ops work, financing, board approval, costs, and the purchasing process.
Read Article →Financing20 min read
Co-op Financing & Mortgage Requirements
Understanding share loans, down payments, lender options, and co-op-specific financing requirements.
Read Article →Ownership20 min read
Estate Planning and Co-op Transfers
How to transfer your NYC co-op to heirs, navigate board approval for estate transfers, and plan for seamless ownership succession.
Read Article →Selling22 min read
Selling Your NYC Co-op: A Step-by-Step Guide
Complete guide to selling your NYC co-op apartment. From pricing strategy and staging to board packages and closing.
Read Article →Financials18 min read
Co-op Tax Benefits and Deductions
Maximize your NYC co-op tax deductions. Learn about mortgage interest, property tax deductions, maintenance fee write-offs, and capital gains strategies.
Read Article →Financials24 min read
How to Read a Co-op Financial Statement
Learn to analyze NYC co-op financial statements. Understand balance sheets, reserve funds, underlying mortgages, and red flags to watch for.
Read Article →Buying20 min read
Co-op vs Condo: Which Is Right for You?
Compare NYC co-ops and condos side by side. Learn the key differences in ownership, financing, board approval, flexibility, and costs.
Read Article →Ownership16 min read
NYC Co-op Insurance: What Shareholders Need
Understand co-op insurance requirements. Learn about master policies, HO-6 coverage, liability protection, and what happens when claims arise.
Read Article →Investing22 min read
Investing in NYC Co-ops: What You Need to Know
Is a NYC co-op a good investment? Learn about appreciation potential, sublet restrictions, investment limitations, and long-term ownership strategies.
Read Article →Financials24 min read
The Underlying Mortgage: What Every Co-op Buyer Must Understand
The building's mortgage affects your maintenance, tax deductions, and financial exposure. Learn how underlying mortgages work and why they matter.
Read Article →Financials20 min read
Co-op Tax Abatements: What Shareholders Actually See
NYC co-op tax abatements sound great but often disappear into reserve funds. Learn how abatements work, why boards redirect them, and what it means for your costs.
Read Article →Financials22 min read
Understanding Co-op Reserve Funds: How Much Is Enough?
Co-op reserve funds protect against assessments and emergencies. Learn what's adequate, how to spot underfunded buildings, and what happens when reserves fall short.
Read Article →Building History26 min read
Commercial Space in Co-ops: A History and What It Means Today
From 1970s fire sales to the post-COVID retail collapse—how ground-floor commercial space shapes co-op finances and what buyers need to understand.
Read Article →Strategy28 min read
Negotiating Co-op Deals: Strategies for Buyers and Sellers
Master NYC co-op negotiations with proven strategies, checklists, and tactics. Learn what's negotiable and how to get the best deal on either side.
Read Article →Have Questions?
These guides provide general information. For personalized advice on your specific situation, schedule a consultation with Francine.
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