Co-Op & Condos
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Typical Requirements for a Co-op Buy in NYC
Typical co-op buyer's requirements in NYC includes:
A debt-to-income ratio no higher than 35%
1 - 2 years of post-closing liquidity
Co-ops in NYC have famously strict financial requirements. These could include a large percentage down, a minimum debt-to-income ratio and post-closing liquidity requirement for applicants.. However, the financial requirements varies by building, a conservative estimate for a NYC co-op’s financial requirements is as follows: 20% down, 25% debt-to-income ratio and at least one to two years of post-closing liquidity.