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  • Debt to income ratio not exceeding 25%


  • Must have liquid assets 48 times of monthly maintenance after closing


  • Maintenance must be = or less than 25% of monthly income


  • After closing, buyer should have 50% - 100% of the price of the apartment in liquid assets (most stringent building require 3x the value of the apartment in liquid assets)


  • In some cases, if buyer do not have the required liquid asset, sometimes board would require applicant to put anywhere from 3 months maintenance to 2 years maintenance on escrow


  • Good Credit score


  • Solid job history, 5-7 years of industry tenure

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