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In New York coop unit is a purchase where you have to provide all your financial info to the board Memeber which is also your neighboresI am worried that my neighbore knows that I own 20 unit rentals and look into details of my finance.

- Are you adding a bathroom or wet bar down there, or just a rec room?  

@Tyler Kowalczik, I am an investor myself who owns Airbnbs, and I also buy BNBs for my clients.I have a lot of success buying for them in Index, Ashford, Skykomish, Barin, Packwood, Glacier, Gold Bar, and other cities.You need to use an agent who is aware of the BNB regulations and restrictions

My credit score is fine.But they don't have programs out there for New York state for mixed use that I can find anywhere.

For someone who is 22 years old, has a good job, lives in Cleveland and doesn't want to retire for 25 years, my answer would be different than for someone who is 55 years old, is unemployed, lives in New York City and doesn't have much retirement.Also, things like experience, risk tolerance, creditworthiness, etc. plays a big part.Sorry I can't give specific advice...

Quote from @Lou Bar: Do different agency lenders have different spreads and interest rates?

In the meantime I would look at other markets where the price to entry and quality bar is much lower.

I should have been buying houses like they were candy bars when they were super cheap, and then worried about heavy rehabs and slowing down when prices (and rates) rose.

Other benefits: Located in a growing area, and have a full bar Liquor License and a bar that is currently not occupied (A lot of potential there to sell alcohol).