The Bronx is where a lot of NYC's real value still lives - waterfront single-families in Riverdale, two- to four-families in Pelham Bay, condos in Fordham, cottages on City Island. Brian works this borough end to end. Different borough, same promise: the lender who actually answers.
A Riverdale co-op underwrites nothing like a Throgs Neck single-family, and a City Island cottage is its own animal entirely. Brian knows which program moves fastest in each - and where the deals actually get done. Find your neighborhood below.
Pre-war co-ops and stately single-family homes. Board packages structured cleanly and jumbo pricing when the number calls for it.
Talk Riverdale with Brian →Waterfront single-families and modest multis. Fast pre-approvals so buyers can move on the right listing.
Talk Throgs Neck with Brian →The Bronx's luxury enclave. Jumbo and high-balance financing handled discreetly, start to close.
Talk Country Club with Brian →Two- to four-family houses that work beautifully with FHA multi-unit programs. Brian makes the rent-roll math work.
Talk Pelham Bay with Brian →A strong pocket for first-time buyers and down-payment-assistance programs. The right subsidy paired with the right loan.
Talk Morris Park with Brian →Post-conversion condos and steady co-op buildings. Non-warrantable and portfolio options where standard programs won't play.
Talk Fordham with Brian →One of NYC's last true co-op value plays. Brian gets buyers cleared quickly with clean board-ready packages.
Talk Kingsbridge with Brian →Cottages, waterfront homes and truly unique properties. Appraisal-savvy financing when the comps get creative.
Talk City Island with Brian →The Bronx is one of the best boroughs to buy a home that helps pay for itself. Two-to-four family is the strategy here, alongside co-ops in Riverdale, condos and investor deals.
The classic Bronx move
On an owner-occupied two-to-four family, a portion of the market rent can typically count toward your income. The appraiser completes a rent schedule, and how much counts varies by program. It's how a lot of Bronx buyers get in.
See multi-family details →Best for first-time and lower-down buyers
FHA opens the door with less down and more flexible credit, and it works on one-to-four family too. On an older building, expect property-standard items, so we plan for condition before you offer.
See FHA details →Best for Riverdale and similar
A co-op is shares in a corporation, so it needs a lender comfortable with co-op share loans and the building's board and financials. Brian builds the board package and approval into the timeline from day one.
See co-op details →Best when you want ownership like a house
A condo underwrites more like a single-family home, with a project review of the building instead of a board. The right loan depends on the project's approval status, which we check up front.
See condo details →Best when tax returns don't tell the whole story
If your returns show enough, conventional works. If they don't, bank-statement programs can qualify you on your actual deposits instead. Hand-quoted, because the fit depends on your full picture.
See bank-statement details →Best for rental purchases
A DSCR loan can qualify on the rent the property brings in rather than your personal income. It's a common tool for one-to-four unit rentals across the Bronx, quoted on the specific property.
See investor details →The path is mostly the same everywhere, with one wrinkle if you're buying a co-op: the board.
Before you tour anything, we set your real numbers. Often same day or next. A real pre-approval is what lets you move when the right place shows up.
A two-to-four family, a co-op and a condo each finance differently, so we decide the program before you make an offer.
Under contract, we turn the pre-approval into a full application. On a two-to-four family, this is where we build in the rent schedule so a portion of the rent can help you qualify.
Co-ops require a board package and approval, which takes real paperwork and time. Because we plan for it from the start, it's a checklist, not a fire drill.
The lender confirms value and, depending on the property, reviews the condo project or the co-op's financials. We line this up early so nothing stalls.
Underwriting verifies the full file, and once you're cleared to close, we walk the numbers together, you sign, and it's yours.
This isn't a lender parachuting in from upstate. Brian's in The Bronx regularly, gets the mix - pre-war co-ops, waterfront single-families, two- to four-family investor plays, FHA and VA programs where they actually help. When your agent needs a lender who gets it, that's the whole point.