Manhattan real estate, with the local math.

Mansion tax, mortgage recording tax, title insurance, attorney, building fees — the full NYC closing stack for a purchase.

Transfer taxes, broker commission, flip tax, attorney fees, and net proceeds at closing.

The 1%–3.9% cliff at $1M, $2M, $3M, $5M+. Full bracket table with cliff warnings and the savings on negotiating below each threshold.

Manhattan-specific math: mansion tax, mortgage recording tax, co-op flip tax, transfer taxes at sale, capital gains, SALT cap. Break-even year for your scenario.

Run your financials against real Manhattan co-op board thresholds: DTI ratios, post-closing liquidity, down payment minimums. See which tier of co-op you'd qualify for.

A preliminary analysis of how a Manhattan co-op board is likely to underwrite your application — DTI, post-close liquidity, financing %, bonus structure, ownership form. Returns a categorical risk profile plus the specific factors most likely to draw board scrutiny.

Refresh, full renovation, or gut — model the all-in cost and timeline for renovating a Manhattan apartment. Soft costs, co-op overhead, and contingency built in.

Governor Hochul's proposed annual surcharge on $5M+ second homes — 0.8%–6.5% depending on property type, with 5-year cumulative exposure.

Estimate the full tax stack on a Manhattan apartment sale: federal LTCG (0%/15%/20%), the 3.8% NIIT, NY State and NYC income tax. Models cost basis, capital improvements, and the Section 121 primary-residence exclusion.