Before you face a Staten Island or Brooklyn co-op board, check the two ratios they care about most - and the reserves they expect you to have left after closing.
Defaults reflect a typical Staten Island or Brooklyn co-op. Adjust every field to match your scenario. Co-op boards set their own ratio and down payment rules, so treat these targets as a guide.
Estimate only. Not a loan offer or board approval. Each building sets its own ratios, reserve rules, and down payment minimums. Talk to a lender and your agent for exact figures - Joseph can connect you with trusted local ones.
A 20-minute call turns these estimates into a real plan for getting board approved on a Staten Island or Brooklyn co-op. See more free tools over in Resources.