The biggest factor in the financing is the cash flow.

Lenders are going to take all factors into account including income, marital status, credit, etc. and through the rate they give you they are telling you what kind of risk you are to them.

Any clarity on this would be much appreicated, In the future I would like to be an out of state/city landlord (as I really don't plan on staying in NYC forever) so any one with experience in this, I would be really grateful to hear what you have to say. 

Is broker support always a huge factor?

My 2 cents would be that you may not want to work under the same broker forever.

One last fundamental rule (I can go on forever with these) is to ALWAYS run the numbers more than a few times.

That said, I probably buy an overpriced cup of coffee a few times a week for the convenience factor :)I can understand that part of what makes TK properties what they are is the convenience factor.

However, if you add-in the cost of laying a subfloor... there goes the very attractive "cost" benefit factor,  To end my long worded response:  Smoothing the slab is more labor intensive but less costly than laying an entire subfloor, but definitely the way to go.  

The HOA fees in some places are astronomical as well, make sure you factor that in.

So if he has a good reputation that can be the deciding factor.