--- title: NYC Condo and Co-op Rental Process | Undivided description: "How renting a NYC condo or co-op with Undivided works: five steps from showing to move-in, building fees, answers to common questions, and how to apply." image: https://www.undividedre.com/hubfs/100_11th_IG.jpg --- [Skip to main content](https://www.undividedre.com/rental-process#main-content) [![Logo](https://44624939.fs1.hubspotusercontent-na1.net/hubfs/44624939/raw_assets/public/undivided-theme-by-tam/images/modules/undivided.png)](https://www.undividedre.com/) - [Home](https://www.undividedre.com/) - [About Us](https://www.undividedre.com/about-us) - Advisory Buying Selling - [Neighborhoods](https://www.undividedre.com/neighborhood) - [Value Index](https://www.undividedre.com/value-index) Contacts 136 Madison Ave, 6th Fl New York, NY 10016 [hello@undividedre.com](mailto:hello@undividedre.com) [+1.646.631.2220](tel:+16466312220) ![Youtube](https://44624939.fs1.hubspotusercontent-na1.net/hubfs/44624939/raw_assets/public/undivided-theme-by-tam/images/modules/hero/youtube.png) ![Instagram](https://44624939.fs1.hubspotusercontent-na1.net/hubfs/44624939/raw_assets/public/undivided-theme-by-tam/images/modules/hero/instagram.png) ![Linkedin](https://44624939.fs1.hubspotusercontent-na1.net/hubfs/44624939/raw_assets/public/undivided-theme-by-tam/images/modules/hero/linkedin.png) [Book a strategy call](https://www.undividedre.com/schedule-an-appointment) [Book a strategy call](https://www.undividedre.com/schedule-an-appointment) ![About Hero](https://www.undividedre.com/hs-fs/hubfs/raw_assets/public/undivided-theme-by-tam/images/modules/hero/hero-about.png?width=2048&height=1367&name=hero-about.png) # About us It's the thoughtful intersection of intelligent investment, exceptional living, and personal integrity. Real Estate with Purpose and PrincipleWe believe luxury is more than a price point. **Rental process** [Timeline](https://www.undividedre.com/rental-process#timeline) [Two approvals](https://www.undividedre.com/rental-process#steps) [Building fees](https://www.undividedre.com/rental-process#fees) [Questions](https://www.undividedre.com/rental-process#faq) [Agree and apply](https://www.undividedre.com/rental-process#agree) Rental process # From application to move‑in. Renting a condo or co‑op takes two approvals: the owner's, then the board's. Read the steps, confirm five points at the bottom, then apply. The timeline ## Five steps, application to move‑in. The board's review is the last step, and it starts only when management sends your complete package. 1. 01 ### Showing and application 1 to 3 days You tour, then apply online with your documents and the $20 fee. 2. 02 ### Owner review Often within 2 days The owner reviews your application and terms. Conditional approval comes here. 3. 03 ### Lease and board package About 1 week You sign the lease, pay move‑in funds and complete the building's package. Speed depends on your documents. 4. 04 ### Management review Often 1 to 3 weeks Management checks the package before the board sees it. An incomplete package is sent back. 5. 05 ### Board review Condo: up to 30 days The board can take up to 30 days and may decide sooner. Co‑ops take longer and add an interview. How applying works ## Two approvals. Owner first, then the board. You are here Approval 1 · Timeline steps 01 to 02 ### Owner approval Apply online and pay the $20 application fee. It covers the credit check, which runs for every applicant, and is non‑refundable. A criminal background check runs only after the owner's conditional approval. Complete applications are reviewed first come, first served. What to send - Two years of tax returns - Three months of bank statements - Two recent pay stubs - Employment verification letter - Landlord verification letter - Government photo ID Next Approval 2 · Timeline steps 03 to 05 ### Board approval Once the owner approves, you sign the lease, pay the move‑in funds and building fees, and complete the building's package. The board reviews it once management sends it over complete. What the package needs - The signed lease - First month's rent and security deposit - The building's application and move‑in fees - The insurance the building requires - Every document the building asks for, in one round - The REBNY financial statement, with exact totals from your statements - Co‑ops: the board interview Building fees ## What each building charges. You pay these to management with the board package, before board approval. Choose your building. 50 West St 70 Little West St 130 E 94th St 303 E 33rd St 959 First Ave | Condo | Amount | Refundable | | --- | --- | --- | | Application processing | $500 | No | | Criminal background check | $75 per person | No | | Move‑in deposit | $1,000 | Yes | | Move‑in and move‑out fee | $1,000 | No | | Digital submission | $85 | No | | Application administration | 5% | No | | Condo, the Visionaire | Amount | Refundable | | --- | --- | --- | | Credit report | $150 per tenant | No | | Processing | $950 | No | | Move‑in | $500 | No | | Move‑out | $500 | No | | Digital submission | $85 | No | | Application administration | 5% | No | | Co‑op | Amount | Refundable | | --- | --- | --- | | Application processing | $700 | No | | Credit check | $120 per applicant | No | | Move‑in | $500 | No | | Condo | Amount | Refundable | | --- | --- | --- | | Lease administration | $750 | No | | Consumer credit | $125 per applicant | No | | Business credit, if applicable | $115 | No | | Management administration | $600 | No | | Move‑in | $1,000 | No | | Move‑in deposit | $1,000 | Yes | | Digital submission | $65 | No | | Application administration | 5% | No | | Condo, the Sutton | Amount | Refundable | | --- | --- | --- | | Application processing | $200 | No | | Background check | $125 per applicant | No | | Criminal check, if the board requires | $75 | No | | Move‑in | $1,500 | No | | Move‑out | $1,500 | No | | Move‑in deposit | $1,500 | Yes | | Move‑out deposit | $1,500 | Yes | | Digital submission | $65 | No | | Application administration | 5% | No | Fees may change without notice. For the latest, visit [domecile.com](https://domecile.com). Building not listed? Ask your agent for its fee sheet and house rules. Questions ## Questions and answers, by topic. Before you apply6 questions Can you guarantee my move‑in date? We make every attempt for an on‑time start date. If paperwork comes in late, approval takes longer, and an on‑time start becomes difficult. If you need a specific date, ask your agent before you apply. Otherwise, the more flexibility you have, the better. Can I change my start date later? No. Once the lease terms are agreed, the start date cannot change. Choose one you can keep. What income do I need? Annual income of 40x the monthly rent, or an individual guarantor earning 80x the monthly rent. Who needs to apply? Every adult who will live in the unit, even if they are not on the lease. Each one applies, shows photo ID, goes through the checks and signs the board forms. So does any guarantor. Can a company be my guarantor? The buildings we work with are condos and co‑ops, and many do not allow company guarantors. Ask your agent whether your building does before you apply. Can I get a different lease length or change the lease? Lease length is set by the owner and the building, and most are 12 months. An 18‑month or two‑year term is sometimes possible. Many buildings require their own lease form, and anything agreed outside it goes in a rider. Ask before you apply and we will confirm in writing. Timing, holds and replies6 questions When does the board's review start? When management forwards the complete package to the board. Not when you apply, and not when you submit to management. A condo board can take up to 30 days, and timing varies by building. Why was my package sent back? Management sends back any package that is not complete. You may be missing additional documents, like a reference letter or statements. Another common cause is a REBNY financial statement whose figures do not match your statements. Use the exact totals, never rounded numbers or estimates. Will you hold the unit while I decide? No. The unit stays on the market until the lease is signed and funds have arrived. Please reply within 24 hours while your application is in progress. Why was another applicant approved first? The owner reviews complete applications in the order they arrive. The first complete one goes first, and others become backups. What if I'm not approved? In a condo, the application is mostly a formality. The condo's only right is a right of first refusal. A co‑op board can deny an application, so we run our own checks before your package goes to the board, to reduce the chance of a rejection. How fast will you reply? Within 24 hours, except on weekends when our office is closed. Email is the best way to reach us: write to your listing agent. Applying and documents10 questions I'm self‑employed. What do I send? A letter from your CPA and personal bank statements, not business ones. Tell us whether you are signing as a person or through a company. I don't have US credit. Can I still apply? Usually with an individual guarantor at 80x the monthly rent. Some buildings, co‑ops especially, want the guarantor to live in New York, and savings do not replace the income minimums. Why does the building want so much financial detail? Some buildings ask for a full financial picture, like savings, retirement accounts and other property you own. Sending everything up front avoids rounds of requests. Why is management asking for another document? Each building has its own list, and a missing item stops the review. Send everything on the list in one round, and check that letters are recent, signed and on letterhead. How is my personal information handled? We include only what the owner and the building require. Ask us before you send a document if you would like to redact part of it. I was declined over credit. What now? You will get a notice that names the credit bureau, so you can check your report and dispute anything wrong. Do you accept housing vouchers and other lawful income? Yes. We consider all lawful sources of income, including vouchers and subsidies, under the same criteria as any other income. Vouchers add steps, like an inspection and owner paperwork, so allow extra time. Can I apply without seeing the unit in person? Yes. If you apply without an in‑person showing, including after a video walk‑through, you sign a sight unseen document and agree to take the unit in as‑is condition. When can I see a unit that has a tenant in it? At set times only. The current tenant gets 24 hours' notice before each showing. Does the building need special insurance? Some do, like higher liability limits or an umbrella policy naming the building. Check the building's insurance rules early, since some policies take time to arrange. Payments, refunds and renewals8 questions What do I pay, and to whom? A $20 application fee when you apply, which is non‑refundable. You do not pay us a broker fee, and we never hold your money. After owner approval you pay the first month's rent and security deposit to the owner, and the building's fees to management with the package. Why do I pay before the board approves me? The building requires the lease, payments and fees with the package. Management will not send a package to the board without them. How should I pay the owner? Usually by online transfer such as Zelle, so plan around your bank's daily transfer cap. Wire or certified check is fine too. Payment fraud targets rentals, so confirm any new or changed payment instructions with your listing agent before you send anything. What happens to my money if the board declines? Your first month's rent and security deposit are returned. Building fees marked non‑refundable are not returned, since they pay for processing your package. Only fees marked refundable come back. Fees may change without notice. For the latest fees, visit [domecile.com](https://domecile.com). What if I withdraw after signing? Building fees already paid to management usually cannot be returned, and amounts the lease allows the owner to keep stay with the owner. Ask us before you sign if this is a concern. Who returns my security deposit? The owner holds and returns it under the lease. Can I change the rent or terms after approval? The terms you agree before applying are the terms of the lease. Raise any question about rent, term or start date before you apply. How do renewals work? A renewal happens only if you and the owner both agree to a new term. Building management may then charge a renewal fee, usually lower than the initial application fees. Ask your listing agent before your renewal date. Moving in, building rules and moving out9 questions Can I move in before the board approves? No. You can move in only after the board approves the package and management confirms your elevator booking. Don't book movers until you are approved. When do I get the keys? On the lease start date, not before. How do I book the elevator? Management books the elevator only once your movers send a certificate of insurance (COI) naming the building, in its exact wording. Moves happen during the building's set hours. Do I need to set up electricity? Yes. Set up electricity in your name to start on your lease start date. If the account is not switched, power may be disconnected. When can work or cleaning happen in the unit? Usually during normal business hours only. Cleaning services and minor repairs count as work. Contractors need management's approval and their own COI. Check your building's rules. Can I put up a temporary wall? No. Most of our units do not allow temporary walls. Can I bring my pet? It depends on the unit. Some allow pets, some do not, and some allow only small dogs or cats. Even if the building allows pets, the unit's owner may not. Check your listing or ask your agent before you apply. I need a service or assistance animal. Does a no‑pet rule apply? No. A service or assistance animal is not a pet, so pet policies do not apply. Tell us and we will handle the request with the owner and the building. Do I pay a fee when I move out? Yes, if the building charges one. You pay any move‑out fee the building requires to schedule the elevator for your move. Some buildings refund it and some do not. Fees may change without notice. For the latest fees, visit [domecile.com](https://domecile.com). Fair housing and accessibility3 questions Is the process the same for everyone? Yes. We use the same documents, income standard and steps for every applicant. We comply with federal, New York State and New York City fair housing laws. When does the criminal background check happen? Only after the owner's conditional approval, as New York City's Fair Chance law requires. How do I request an accommodation? For an accommodation or an accessible format of this page, email access@undividedre.com. Agree and apply ## Confirm five points, then apply. Your application opens once you confirm each point and submit. Every applicant confirms the same five, and we keep a record of each agreement. Terms differ by building and can change without notice. ### Rental applicant agreement Start your application + Submit the agreement above to open your application. Questions about your application? Email your listing agent. Accessibility requests: access@undividedre.com. Building fees and rules are set by each building and may change without notice. For the latest fees, visit [domecile.com](https://domecile.com). ![Background](https://44624939.fs1.hubspotusercontent-na1.net/hubfs/44624939/raw_assets/public/undivided-theme-by-tam/images/modules/footer/background.jpg) Begin the Conversation [Schedule a 30-min strategy call](https://www.undividedre.com/schedule-an-appointment) Links - [Home page](https://www.undividedre.com) - [About Us](https://www.undividedre.com/about-us) - [Services](https://www.undividedre.com/buy) - [Market Insights](https://www.undividedre.com/blog) - [Rental Process](https://www.undividedre.com/rental-process-archived) - [Contact](https://www.undividedre.com/schedule-an-appointment) Contact Us 136 Madison Ave, 6th Fl New York, NY 10016   hello@undividedre.com +1.646.631.2220 ![Youtube](https://44624939.fs1.hubspotusercontent-na1.net/hubfs/44624939/raw_assets/public/undivided-theme-by-tam/images/modules/hero/youtube.png) [(opens in new tab)](https://www.youtube.com/@undividedaccess) ![Instagram](https://44624939.fs1.hubspotusercontent-na1.net/hubfs/44624939/raw_assets/public/undivided-theme-by-tam/images/modules/hero/instagram.png) [(opens in new tab)](https://www.instagram.com/undividedrealestate/) ![Linkedin](https://44624939.fs1.hubspotusercontent-na1.net/hubfs/44624939/raw_assets/public/undivided-theme-by-tam/images/modules/hero/linkedin.png) [(opens in new tab)](https://www.linkedin.com/company/undividedre) [![Undivided](https://44624939.fs1.hubspotusercontent-na1.net/hubfs/44624939/raw_assets/public/undivided-theme-by-tam/images/modules/footer/logo.png)](https://www.undividedre.com/) UNDIVIDED INC. 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The first complete one goes first, and others become backups." }, "name" : "Why was another applicant approved first?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "In a condo, the application is mostly a formality. The condo's only right is a right of first refusal. A co-op board can deny an application, so we run our own checks before your package goes to the board, to reduce the chance of a rejection." }, "name" : "What if I'm not approved?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Within 24 hours, except on weekends when our office is closed. Email is the best way to reach us: write to your listing agent." }, "name" : "How fast will you reply?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "A letter from your CPA and personal bank statements, not business ones. Tell us whether you are signing as a person or through a company." }, "name" : "I'm self-employed. 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Vouchers add steps, like an inspection and owner paperwork, so allow extra time." }, "name" : "Do you accept housing vouchers and other lawful income?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes. If you apply without an in-person showing, including after a video walk-through, you sign a sight unseen document and agree to take the unit in as-is condition." }, "name" : "Can I apply without seeing the unit in person?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "At set times only. The current tenant gets 24 hours' notice before each showing." }, "name" : "When can I see a unit that has a tenant in it?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Some do, like higher liability limits or an umbrella policy naming the building. Check the building's insurance rules early, since some policies take time to arrange." }, "name" : "Does the building need special insurance?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "A $20 application fee when you apply, which is non-refundable. You do not pay us a broker fee, and we never hold your money. After owner approval you pay the first month's rent and security deposit to the owner, and the building's fees to management with the package." }, "name" : "What do I pay, and to whom?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "The building requires the lease, payments and fees with the package. Management will not send a package to the board without them." }, "name" : "Why do I pay before the board approves me?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Usually by online transfer such as Zelle, so plan around your bank's daily transfer cap. Wire or certified check is fine too. Payment fraud targets rentals, so confirm any new or changed payment instructions with your listing agent before you send anything." }, "name" : "How should I pay the owner?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Your first month's rent and security deposit are returned. Building fees marked non-refundable are not returned, since they pay for processing your package. Only fees marked refundable come back. Fees may change without notice. For the latest fees, visit domecile.com." }, "name" : "What happens to my money if the board declines?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Building fees already paid to management usually cannot be returned, and amounts the lease allows the owner to keep stay with the owner. Ask us before you sign if this is a concern." }, "name" : "What if I withdraw after signing?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "The owner holds and returns it under the lease." }, "name" : "Who returns my security deposit?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "The terms you agree before applying are the terms of the lease. Raise any question about rent, term or start date before you apply." }, "name" : "Can I change the rent or terms after approval?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "A renewal happens only if you and the owner both agree to a new term. Building management may then charge a renewal fee, usually lower than the initial application fees. Ask your listing agent before your renewal date." }, "name" : "How do renewals work?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "No. You can move in only after the board approves the package and management confirms your elevator booking. Don't book movers until you are approved." }, "name" : "Can I move in before the board approves?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "On the lease start date, not before." }, "name" : "When do I get the keys?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Management books the elevator only once your movers send a certificate of insurance (COI) naming the building, in its exact wording. Moves happen during the building's set hours." }, "name" : "How do I book the elevator?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes. Set up electricity in your name to start on your lease start date. If the account is not switched, power may be disconnected." }, "name" : "Do I need to set up electricity?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Usually during normal business hours only. Cleaning services and minor repairs count as work. Contractors need management's approval and their own COI. Check your building's rules." }, "name" : "When can work or cleaning happen in the unit?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "No. Most of our units do not allow temporary walls." }, "name" : "Can I put up a temporary wall?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "It depends on the unit. Some allow pets, some do not, and some allow only small dogs or cats. Even if the building allows pets, the unit's owner may not. Check your listing or ask your agent before you apply." }, "name" : "Can I bring my pet?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "No. A service or assistance animal is not a pet, so pet policies do not apply. Tell us and we will handle the request with the owner and the building." }, "name" : "I need a service or assistance animal. Does a no-pet rule apply?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes, if the building charges one. You pay any move-out fee the building requires to schedule the elevator for your move. Some buildings refund it and some do not. Fees may change without notice. For the latest fees, visit domecile.com." }, "name" : "Do I pay a fee when I move out?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes. We use the same documents, income standard and steps for every applicant. We comply with federal, New York State and New York City fair housing laws." }, "name" : "Is the process the same for everyone?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Only after the owner's conditional approval, as New York City's Fair Chance law requires." }, "name" : "When does the criminal background check happen?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "For an accommodation or an accessible format of this page, email access@undividedre.com." }, "name" : "How do I request an accommodation?" } ] } ```