Your decision: what to buy, and when.
Intelligent Buying with A Private Real Estate Advisor
Buying in New York City can mean co-op boards, competing offers and building rules. You set the priorities and make each decision. Shalinthia prepares you, negotiates for you and keeps every step organized.
START WITH THE PROPERTY, NOT THE HYPE
Choose the ownership structure that fits your plans.
CO-OPS
Board requirements, building finances, maintenance, sublet rules and flip taxes.
CONDOS
Common charges, taxes, reserves, assessments and renovation rules.
HOUSES
Condition, systems, title, taxes, insurance and a repair budget.
SMALL MULTIFAMILY
A home and a rental: leases, costs, legal use and financing.
PRIVATE BUYER ADVOCACY
Buying A Property & Protecting Your Decision
A listing agent usually represents the seller. As your buyer’s agent, Shalinthia works for you: she studies recent sales, negotiates price and key terms, and works with your lender and attorney through closing. Your attorney negotiates the contract.
You work with a CBR® Certified Buyer Representative.
A PRACTICAL BUYER SEQUENCE
Clarity before urgency.
1
Define the numbers
Your price range, monthly budget, down payment, closing costs and savings after closing.
2
Prepare financing
Gather income and asset documents and talk with a lender early.
3
Compare boroughs and buildings
Judge every home by the same priorities and monthly costs.
4
Check before you commit
Your attorney, inspector and lender review the legal, physical and financial details.
BOROUGH AND NEIGHBORHOOD CONTEXT
Compare daily life and long-term fit - not just listing photos.
BUYER FAQ
Questions to settle early.
How much post-closing liquidity do NYC co-op boards require?
It depends on the building. Some boards compare your savings after closing with your monthly costs. Shalinthia helps you learn each building’s standard before you make an offer.
What is the difference between an HDFC co-op and a market-rate co-op?
HDFC co-ops are affordable co-ops with their own rules, which can include income limits, resale limits, flip taxes and primary-residence rules. Market-rate co-ops set their own financial and board requirements.
How long can the New York City home-buying process take?
It depends on the property, financing and building. Co-op purchases usually add a board package and an interview. Shalinthia maps the steps for your home.
FIRST-TIME BUYER GUIDE | NEW YORK CITY
How should a first-time buyer prepare for a New York City home purchase?
Know the monthly payment you’re comfortable with, gather your documents and keep your down payment separate from closing costs. Then compare every home the same way.
IN CLIENTS’ WORDS
“Ms. Miles was recommended by my coworker and she was very professional. She provided me with the information I needed…”
Beverly W., buyer · Bronx co-op · June 2025 · RateMyAgent
Bring Your Questions to a Private Buyer Consultation.
A focused conversation about your numbers, boroughs and next steps. No pressure.
BOOK A BUYER CONSULTATION