Securing financing for 2nd home while keeping the old one

[Michael Palma]

Hey guys -

I’m in a bit of a pickle here.. essentially I own my current condo in Brooklyn since 2013, and appreciated quite nicely.  I’ve been looking to move into something bigger but recently found that another unit in my building will be going up for sale, unfortunately it’s the same exact layout, however it has roof rights which would give me some private outdoor space and possibility to build up 1 day.  The problem is I did not prequalify because the bank I used will not count assumed rental income on my current place.

Additionally, they did not include my rental income from another duplex I own out of state.  I’m not worried about this as I know there are other lenders that will count this providing 2 tax returns.

Are there any banks that would view this situation differently?  I’ve looked for smaller local banks/credit unions in Brooklyn and NYC area but didn’t come up with any that folks recommended on here.