Lets start with when it does not make sense: Owner finance does not make sense when the borrower cannot afford the property. 

It doesn't make sense to you because you still don't understand the strategy.

So it's distortion of the truth to give people a sense that they can in any sane manner use 2:1 amplification of leverage with SM margin account.

At the time it made financial sense.

As someone new to NYC, I'd appreciate insights on:The current state of the UES market in this price rangeWhether buying makes financial sense for a 3-year timeline versus rentingThe pros and cons of co-ops versus condos in the neighborhoodI'm particularly interested in hearing from those with experience in the area, as I'm looking to make an informed decision.

You're talking about programs generally run by the government as the operator of last resort because no one else can make enough money to make it make sense.

If it's going to continue to be a 3 unit building, it would make sense to add another service.

It should be like dating before marriage, it makes sense.

Hi Sebastian,Congrats on starting your real estate journey and having a clear sense of your options.

What you need to do is show what compelling argument makes taking this chance on you make sense.