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Idk the specifics, but I know the cards are stacked against it. It’s tougher to find banks that will do business with you, and a lot of the tax breaks homeowners, condo owners too, get, aren’t available to co-op’s.
It makes sense because if you can’t pay your loans, the bank will literally take your house, so it’s win win for them. If you can’t pay the rest of the co-op, they only get some shares of a building full of hippies 😬 gotta get rich first, then I can make my own co-op.