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unit (HO-6) requirements."]}]]}]]}],["$","li","board-shareholder-meeting-minutes",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Board / shareholder meeting minutes (where available)."}],"$undefined","$undefined"]}]]}],["$","li","special-note",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Special note (NY)"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","No statutory buyer rescission tied to association documents — protection comes from contract contingencies (board-approval, financing, attorney review). Co-ops are exempt from the Property Condition Disclosure Act."]}]]}]]}]]}]]}],["$","div",null,{"className":"mt-8","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Ask for these yourself"}],["$","p",null,{"className":"mt-1 text-sm text-graphite/80","children":"Not automatic. Request them proactively — a gap here is itself a signal."}],["$","ul",null,{"className":"mt-4 space-y-3","children":[["$","li","local-law-status-reports",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Local Law status reports"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Latest FISP/LL11 façade report (Safe/SWARMP/Unsafe), LL126 parking-structure report, LL152 gas report, elevator modernization status, and Local Law 97 compliance posture / projected penalties."]}]]}]]}],["$","li","dob-violation-search-open-permit-check",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"DOB violation search & open-permit check (ECB violations, stop-work, sidewalk shed)."}],"$undefined","$undefined"]}]]}],["$","li","sponsor-unsold-share-information",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Sponsor / unsold-share information"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","% sponsor-held, sponsor financial obligations, board-control status."]}]]}]]}],["$","li","sublet-flip-tax-policy-leasing-caps",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Sublet & flip-tax policy (co-op); leasing caps (condo)."}],"$undefined","$undefined"]}]]}],["$","li","tax-abatement-status",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Tax-abatement status"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Co-op/condo abatement eligibility; J-51/421-a interaction; prevailing-wage compliance."]}]]}]]}],["$","li","litigation-summary",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Litigation summary"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","Sponsor/defect, collection, HRL/discrimination, water-damage disputes."]}]]}]]}],["$","li","flood-determination",{"className":"flex gap-3","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Flood determination"}],"$undefined",["$","span",null,{"className":"text-graphite","children":[" — ","FEMA zone + NYC Flood Hazard Mapper; flood-insurance status for common areas."]}]]}]]}]]}]]}]],["$","div",null,{"className":"mt-6 border-t border-ink/10 pt-5","children":[["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":"Want this same review on your actual documents? We do it free, with page citations you can verify."}],["$","a",null,{"href":"/start","className":"mt-3 inline-flex items-center gap-1 text-sm font-semibold text-signal hover:underline","children":["Get my free risk report"," →"]}]]}]]}],["$","div",null,{"className":"mt-12","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":["Where ","New York"," due diligence deserves the most attention"]}],["$","div",null,{"className":"mt-4 space-y-3","children":[["$","div","Legal Complexity (9/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Legal Complexity (9/10)"}]," — ","Co-op vs. condo vs. HOA bifurcation, Martin Act offering plans, and the NYC Local Law stack make NY the most nuanced state in the program."]}]]}],["$","div","Structural / Local-Law Risk (9/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Structural / Local-Law Risk (9/10)"}]," — ","FISP/LL126/LL152/elevators/LL97 are unique, recurring, and costly."]}]]}],["$","div","Special-Assessment Risk (8/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Special-Assessment Risk (8/10)"}]," — ","Boards can often assess without a vote; Local Law-driven."]}]]}],["$","div","Insurance Risk (7/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Insurance Risk (7/10)"}]," — ","Hard market, carrier pullback, flood exposure, financing impacts."]}]]}],["$","div","Governance / Liquidity Risk (co-op) (7/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Governance / Liquidity Risk (co-op) (7/10)"}]," — ","Board approval, subletting, flip taxes, illiquidity."]}]]}],["$","div","Reserve Risk (6/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Reserve Risk (6/10)"}]," — ","No mandate; co-ops thin by design; condos exposed to assessments."]}]]}]]}]]}],[["$","div","Legal Framework",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Legal Framework"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"New York deliberately treats condos, co-ops, and HOAs as three legally distinct creatures. This is the single most important framing point for the entire brief."}]]}],["$","div","Reserve Studies and Reserve Funding",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Reserve Studies and Reserve Funding"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Co-ops rarely hold large cash reserves; they typically rely on the underlying (building) mortgage as a borrowing tool and on maintenance increases / special assessments to fund capital work. A thin co-op reserve is *normal* and must be read alongside the underlying mortgage and the board's borrowing capacity.; Condos cannot mortgage the building as a whole (there is no single owner of the common elements), so they depend on reserves + special assessments + (sometimes) association loans."}]]}],["$","div","Structural Inspections and Building Safety",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Structural Inspections and Building Safety"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"There is no statewide structural-inspection mandate for condos/co-ops in New York. The action is almost entirely at the New York City level, where a dense stack of \"Local Laws\" imposes recurring, expensive inspection and remediation obligations. These are among the most important financial-risk drivers in the entire New York market and have no equivalent in most other states."}]]}],["$","div","Insurance Requirements and Insurance-Market Risk",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Insurance Requirements and Insurance-Market Risk"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Condos — RPL § 339-bb: The board of managers must insure the building against fire and other hazards if required by the declaration, the bylaws, or a majority of unit owners. In practice, virtually all condo bylaws require a master property policy at replacement cost; for qualified leasehold condominiums the statute makes full-replacement-cost insurance mandatory and annually updated. Each unit owner retains the right to insure their own unit (the HO-6 / unit-owner policy)."}]]}],["$","div","Resale Disclosures and Buyer Cancellation Rights",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Resale Disclosures and Buyer Cancellation Rights"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"New York's disclosure regime is bifurcated and, for *resales*, surprisingly light on statutory mandates — most buyer protection comes at the initial offering stage (Martin Act) and from contractual/contingency practice, not a statutory resale-certificate law."}]]}],["$","div","Assessments, Special Assessments, and Borrowing",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Assessments, Special Assessments, and Borrowing"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Condos: The board adopts an annual budget and levies common charges allocated by each unit's common-interest percentage (RPL § 339-m). 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