East New York




October 30, 2009

Report: Foreclosures Hurting Prices in Bed-Stuy

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Small multi-family buildings in lower-income neighborhoods of Brooklyn have been particularly hard hit by the housing crisis, according to a new report from TerraCrg Commercial Realty Group. As reported in The Real Deal, 80 percent of foreclosure filings in Brooklyn over the past year were for mortgages under $1 million and 51 percent of non-residential mortgages were for three- to four-unit residential buildings; the article also notes that "the majority of the foreclosures took place in lower-priced neighborhoods like Bed-Stuy and East New York." The result? "A bevy of three- to four-unit residential buildings in Bedford-Stuyvesant can be had for under $300,000." No big surprises here, though the headline tries to put a positive spin on the news: "Discounted Brooklyn brownstones coming to market, but not in prime neighborhoods."
Discounted Brooklyn Brownstones Coming to Market [TRD]

October 20, 2009

East New York's Nehemiah Housing Proving Resilient

nehemiah_201009.jpgWhen the Nehemiah project launched in the 1980s, it sold houses to residents of East New York for as little as $39,000. The church-run program would buy abandoned, city-owned properties and erect inexpensive homes for residents that met the program's strict financial credibility checks. Nowadays, Nehemiah (named after the post-exile Biblical character who rebuilt Jerusalem) homes sell for as much as $120,000, but this is still well below market rates for similar properties. NPR profiled the organization this week, pointing out that the project has stringent financial checks to ensure that applicants are not involved in any criminal activity and to ensure that they will not default on their mortgages (applicants can spend no more than 20 percent of their income on the mortgage; no more than ten out of over 4,000 homes have been foreclosed in the program's entire history). Zandra Brockman, an applicant to the program, said the application process was worth the result: "Where else could we live at the prices we had?" she told NPR. "It was truly a blessing for us." The article adds that applicants who are rejected often organize their finances and re-apply later successfully. Sarah Plowden, who works for Nehemiah and also owns a home through the program, said: "We more than just bought homes. We bought into one another as a people."
Low-Cost Brooklyn Housing Sees Few Foreclosures [NPR]
Affordable Houses Infused With Color [NY Times]
Low-Income? You’re Kidding! [NY Magazine]

September 24, 2009

Affordable and Green in East New York

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Hudson Companies (yes, they of the Third & Bond blog) announced that ground was broken yesterday at the eight-story low-income housing development at 1490 Dumont Avenue in East New York. The 176 rental apartments, made possible by the LAMP program and several city agencies, will be available to households with incomes of $16,000 to $46,000, with 20 percent of the units reserved for formerly homeless tenants. The project (called the Elder Lane development) will include solar panels, bicycle and car parking, and a 6,000-square-foot enclosed, landscaped courtyard. It will also be "the first residential project in NYC to utilize a vibro-compaction system," which, as the name implies, uses vibrations to rearrange the soil, making it more dense and less permeable. According to the press release, this saved the project $1.5 million because "the procedure eliminates the need for 50’ piles, as well as structural caps, beams, and slabs." 1490 Dumont is being launched as part of Mayor Bloomberg's New Housing Marketplace Plan, which hopes to preserve or construct 165,000 units of affordable housing by 2014. GMAP

August 28, 2009

Rents Set to Almost Double at ENY Mitchell-Lama

linden_082809.jpgMany tenants at an East New York housing complex have been evicted or forced to move because their rents have gone through the roof, reports the Daily News. Rents at Linden Plaza, a five-building Mitchell-Lama development with 319 residential units, have gone up by $300 so far in the past year or so, and will increase again next year so that the price for a one-bedroom will have gone from $664 to $1,132. The increases are paying for a capital improvements program at the complex. Some of the disgruntled tenants were counting on Section 8 vouchers to cover the increase but claim that bureaucratic delays thwarted them. Bob Vaccarello, president of RY Management, which oversees Linden Plaza, said that "anybody who was eligible did get a voucher," adding that some tenants simply missed deadlines or failed to provide enough information. A city spokesman said that the rents are lower than what residents would pay if the owners left the Mitchell-Lama subsidy program, but this is a cold comfort to some. The Daily News spoke with tenant Carol Thompson, 53, who lost her job last year and has received no word regarding her voucher application. She has borrowed money from relatives to make rent, but doesn't know what to do in the long term. "I just can't afford it," she said. "They're sucking people dry." GMAP P*Shark
Rent Hike Shocks Tenants [NY Daily News]
Image from PropertyShark

August 19, 2009

Affordable Housing: A Bright Spot?

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Earlier this summer, The Real Deal noted that during the slow market, some real-estate brokers have been bailing on market-rate condos and spending their time trying to move units in affordable housing developments with government-backed financing for first-time buyers. One such development, the MeadowWood at Gateway in East New York/Lindenwood (a complex of 19 buildings built in the 1960s formerly known as Fairfield Towers), is targeted towards middle-income buyers such as teachers, nurses, or police officers, with 1,142 one- to three-bedroom units priced between $110,000 and $349,000. The Real Deal also reported that "MeadowWood is one of several affordable housing developments that operates under a partnership between HPD and an organization called Neighborhood Housing Services. The program offers consumer loans through the State of New York Mortgage Agency program, which offers 30-year fixed-rate loans for up to 97 percent of the property's value, based on strict income and credit guidelines." In an announcement that's sure to make market-rate marketers cringe, Filmore Real Estate, the building's sales agent, just announced in a press release that over 60 units have gone into contract since January while prices, which rose in 2008, remained stable this year. GMAP

July 9, 2009

Massive Mortgage Fraud Ring Busted

east-new-york-house-0709.jpgA fraud ring involving 13 people and potentially $100 million of losses was charged yesterday by the Manhattan District Attorney. Much of the illegal activity occurred over the past four years in the East New York and Cypress Hills sections of Brooklyn, according to the NY Times. The ringleaders of the scam, which involved targeting troubled homeowners and duping buyers with good credit into purchasing the homes at inflated prices to suck out the largest mortgage possible, were three principals in the Long Island-based AFG Financial Group.

February 2, 2009

Closing Bell: Why are There Power Lines in East New York?

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I Love Franklin Ave. asks exactly that question—Why are there power lines in East New York? ILFA goes on to write that "unlike much of the rest of Brooklyn, East New York actually has a substantial chunk of its grid above ground. You can find lines connecting bits and pieces elsewhere, but it's rare to see utility poles on every corner in a major city." Also, needing an explanation is the shoe-tossing on the power lines. (Is it more than just a gang explanation or just kids playing around?)
So what are the answers to these two questions?

November 7, 2008

Fewer Mortgages for Minority Communities

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Brooklyn mortgages dropped 18 percent in 2007, reports the Daily News, in line with the city's statistics. But it turns out the number of mortgages was chopped in half, or more, in poorer, minority neighborhoods, which are bearing the brunt of the foreclosure crisis — they call it the "tale of two Brooklyns." "The number of mortgages issued fell by 60% in Brownsville, 58% in Bushwick, 57% in East New York and 45% in East Flatbush," they write. "Experts say the declines are due to a combination of the drying up of the subprime market and lending discrimination by banks reluctant to make loans — even to qualified buyers — in those neighborhoods." Now for the other Brooklyn: the number of mortgages rose 48 percent in Brooklyn Heights and Fort Greene; 11 percent in Williamsburg and Greenpoint; and stayed the same in the Slope.
Mortgages Plunge by 50% in Some Minority Neighborhoods [NY Daily News]
Photo by Jimmy Legs.

September 17, 2008

Wednesday Food & Drink Round-Up

traderjoes.jpgTrader Joe's: Opening Next Friday?
130 Court Street (at Atlantic Avenue)
Lost City snapped some photos of the newly installed signage at Trader Joe's and describes the scene: "Burly men were busy loading in boxes through the front entrance. Progress has been made, but a lot more must be done in the next two weeks if the store is to open at the end of September as promised." The Brooklyn Paper says they're set to open next Friday, September 26.

James Scores One Star
605 Carlton Avenue (St. Marks Avenue), Prospect Heights; (718) 942-4255
"[Chef Bryan] Calvert owns and manages it with his wife, Deborah Williamson. They live in the apartment smack above the space it inhabits, which used to belong to Restaurant Sorrel. When Sorrel went out of business they pounced, recognizing an easy commute when they saw one... It’s an example of how quietly sophisticated the food at restaurants fashioned as affordable neighborhood bistros has become. No bigger, brasher restaurant around town served me an heirloom tomato salad this summer that I enjoyed any more than one at James." [NY Times]

The Village Voice "Bagel Smackdown!"
The Voice's Sarah DiGregorio and Robert Sistema sampled bagels from Brooklyn, Queens, and Manhattan in hopes of finding the best in the city. They weren't so impressed with Bagel Boy, which has locations in Bay Ridge and Sheepshead Bay, but Park Slope's Bagel Hole got high marks -- and won the prize for Best Pumpernickel Bagel.

After the jump: More Praise for La Superior, a status report on the Brooklyn Heights Gristedes, early reviews of No. 7, Nigerian in East New York, and more...

Continue reading "Wednesday Food & Drink Round-Up"

July 25, 2008

And Then There Were 4: Starrett Bids Winnowed

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Crain's and the Times have the latest word on the sale of Starrett City, the massive East New York affordable housing complex. The 5,881-unit property's owners have narrowed down the field of bidders to four, and the price tag is expected to be between $800 and $900 million, making it one of the biggest real estate deals of the year. Aside from affordable housing groups and nonprofits, some of the names among the four teams whose offers are being considered include the Related Companies, Westbrook Partners, and the Clarrett Group. One of the more interesting facets of the deal is that bidders are examining whether it'll be possible for them to build additional housing and/or stores at Starrett. Per Crain's, some of the groups are looking to build up to 1,000 additional affordable housing units.
Four Finalists selected for Starrett City [Crain's]
Four Groups Invited to Make Final Bids for Starrett City [NY Times]
Photo by ntang.

July 9, 2008

Starrett Bids Ranging From $700M to $900M

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Eight bids for Starrett City, the enormous East New York affordable housing complex, were submitted yesterday. Offers for the 5,881-apartment property are going from $700 million to $900 million, a great deal less than the $1.3 billion that real estate firm Clipper Equities wanted to pay for Starrett last year. Clipper's bid was blocked by state officials last year on the grounds that it was too high to ensure continued affordability at the complex; last month, Starrett's current owners made a deal with the city, state and federal government to keep the complex affordable for the next 20 years. The current bidder mix includes private development firms and affordable housing nonprofits. “We are light-years ahead of where we were over a year ago when an oversized and overpriced bid for Starrett City would have changed the development forever and forced thousands of tenants from their homes,” said Senator Charles Schumer, who played a big part in blocking the Clipper buy. “The good news is that we have a framework in place that will protect the next generation of Starrett City residents and keep this New York City landmark affordable in this sale.” The smaller offering prices this year for Starrett reflect not only the fact that the 46-tower property will need to stay affordable but also that the real estate boom's days are behind us.
8 New Bids for Starrett City Complex [NY Times]
Bidders Prep Starrett City Offers [Brownstoner]
Photo from Gotham Gazette.

July 1, 2008

NYPD Records Crime Dip in Brooklyn North

paddywagon-06-2008.jpgHere's a hopeful report: Crime in Brooklyn North precincts—which cover East New York, Bed-Stuy, Crown Heights, and Brownsville—is down by more than 3 percent so far this year, according to the Daily News, with the murder rate 20 percent lower than in 2007 and burglaries down by 12 percent. There have been nine fewer murders in East New York in 2008 than there were at this point in 2007. The neighborhood had the highest number of murders, 31, in the city last year. There's also been a 12 percent crime reduction in Bed-Stuy and a 10 percent decrease in Crown Heights. The NYPD says the city's decision earlier this year to have more rookie cops patrolling the streets of high-crime neighborhoods has led to the declines.
Influx of Cops Helps Cut Crime, Residents Still Wary [Daily News]
Photo by ultraclay!

June 30, 2008

Bidders Prep Starrett City Offers

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What's likely to be the biggest real estate deal in Brooklyn this year is starting to take shape. There are now seven confirmed bidders for Starrett City, the massive East New York affordable housing complex, according to Crain's: The Bluestone Group, Christian Cultural Center coalition, Enterprise Community Partners, L+M Development Partners, The New York Housing Partnership, and Omni New York. The deadline for bids is July 8th, and they're expected to range from $600 million to $1 billion. Omni is headed by ex-Met slugger Mo Vaughn and has other investments in East New York; L+M Equity's many affordable projects in Brooklyn include redeveloping Wallabout's Brig and building the affordable component at Williamsburg's Schaefer Landing; the Christan Cultural Group is a local church with 29,000 members; and Bluestone is part of the team developing the Public Place property in Gowanus. After July 8th, Starrett City's current owners are going to narrow the field of bidders to two or three finalists and consult with local, state, and government officials in order to choose a winner.
Seven Groups Ready Bids for Starrett City [Crain's]
Photo by gkjarvis.

June 10, 2008

NYCHA Budget Woes Could Kill Long-Delayed ENY Facility

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The Times has a sad, frustrating story about how the the New York City Housing Authority may be abandoning its plan to build a community center in East New York's Marcus Garvey housing project. NYCHA tore down a playground in the project eight years ago and started construction on the 5,500-square-foot center that was supposed to rise in its place. Although the facility is now mostly completed, NYCHA says it may not have the funds to operate the center—or nearly 100 others around the city. “NYCHA has taken a big hit,” says Councilman Erik Martin Dilan. “The children’s programs are obviously in jeopardy, and unless we save them, we might as well set up gang recruitment centers. Kids need their community centers to stay out of trouble.” The East New York building, which is supposed to serve the more than 1,048 families who live in the project, has been plagued by delays rooted in rising construction costs and the bankruptcy of a contractor. NYCHA, meanwhile, is facing a $195 million budget deficit this year, which many believe will lead to worsening conditions at public housing around the city.
Promised Brooklyn Community Center May Not Open [NY Times]
NYCHA Funding Shortfall Could Mean Dark Days for Projects [Brownstoner]

June 2, 2008

'Model Agreement' Will Keep Starrett Affordable for 20 Yrs

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A deal between Starrett City's current owners and state, city, and federal officials will ensure that the 5,881-apartment complex in East New York remains affordable, according to the Times. The agreement will work, in the main, by covering most Starrett units under the Section 8 program for a 20-year term. The property is about to go back on the market. Federal officials blocked Starrett's sale last year on the grounds that the winning bid for the complex, $1.3 billion c/o a group of investors led by David Bistricer, was too high for the would-be owners to maintain affordability. Stareett City is made up of 46 towers and 140 acres, and it is the largest federally subsidized housing complex. The new sale of Starrett is expected to draw bids between $600 million and $800 million, and the city will help the winning bidder gain approval to build new retail and housing on the site. Tenant advocate Bertha Lewis of Acorn called the plan "a model agreement" because it could influence how other subsidized housing complexes are sold off.
In New Sale, Starrett City Would Stay Affordable [NY Times]
Starrett City Measure Wending Through Congress [Brownstoner]
New Starrett City Bids Coming In [Brownstoner]
Photo by ntang.

May 22, 2008

Six New Charter Schools To Open in Brooklyn

ECSphoto_003.jpgAt least six new charter schools are expected to open in Brooklyn within the next two years. Park Slope's Brooklyn Prospect Charter School has already been reported by the Daily News, but applications for four other K - 8 charter schools were approved by SUNY on the same day, all to be managed by Uncommon Schools. Mini "scholars" at the four schools can expect rigorous instruction from 7:30 a.m. until 4 p.m. Excellence Charter School for Girls, in the Bed-Stuy school district, and Leadership Preparatory East New York are scheduled to open this fall. Leadership Preparatory Flatbush and Brownsville are scheduled to open the following school year. Uncommon Schools also announced plans for their first charter high school in Crown Heights, located at 1485 Pacific Street at Kingston Avenue. Uncommon Schools spokeswoman Megan Zug said the organization purposefully chooses low-income neighborhoods "to close the achievement gap between low-income and high-income students."

Continue reading "Six New Charter Schools To Open in Brooklyn"

May 13, 2008

Starrett City Measure Wending Through Congress

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A bill that would preserve affordability at Starrett City, the largest federally subsidized rental complex in the United States, was overwhelmingly approved in the House last week. The bill was introduced by Rep. Edolphus Towns and co-sponsored by Rep. Nydia Velázquez. East New York's Starrett City has 5,800 units and 14,000 residents, and the government wouldn't allow its current owners to sell the property to a group of investors who bid $1.3 billion for it last year because it was believed that the high sales price meant the housing stock wouldn't be kept affordable. The bill converts Section 8 and Rental Assistance Program (RAP) contracts at Starrett to a project-based Section 8 contract, which ensures longer-term affordability for those particular units. (We're not clear on whether this applies to all the massive complex's units or just some of them.) According to an article in the Eagle, the measure "creates the conditions necessary for purchasers of Starrett City to secure the long-term financing necessary to purchase the property, therefore allowing them to keep the units affordable." As of late last week, the bill was set to become an amendment in one of the foreclosure-relief bills currently being considered by the House. It wasn't, however, amended to the controversial anti-foreclosure bill that passed last week and that President Bush has vowed to veto.
Rep. Towns' Press Release on Starrett Bill [house.gov]
Starrett Bill [govtrack.us]
Reps. Towns, Velázquez Report Success for Starrett City [Brooklyn Eagle]
Photo by ntang.

March 20, 2008

Closing Bell: More Potential Starrett Buyers Line Up

starrett-03-2008.jpgCrain's reports there are now four potential buyers for Starrett City, the 46-building, East New York Mitchell-Lama complex. The National Housing Partnership Foundation and the New York Housing Partnership are both interested in purchasing the complex, joining two other would-be bidders, a coalition of religious and community groups and the National Development Council. Starrett City's owners have not yet officially put the complex on the market, but it is believed that when all's said and done the price tag will be well below the $1.3 billion offered by Clipper Equities last year. Clipper's bid was rejected after activists and politicians protested the deal, saying there was no way the bidder could be willing to shell out so much money and still keep the 5,800-unit property affordable. The nonprofit and grassroots credentials most of the current potential bidders bring with them likely means all or most will pledge to keep Starrett's affordability intact.
List of Starrett City Bidders Grows to Four [Crain's]
Closing Bell: New Starrett City Bids Coming In [Brownstoner]
Starrett photo from forrent.com

March 14, 2008

Fascinating Claim: East New York as the Next Harlem?

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Who could've predicted this? Some folks—Marty Markowitz, for one—say notoriously downtrodden and crime-ridden East New York is undergoing a renaissance and could become "the new Harlem." There's been a lot of demand for home ownership options in the area, most notably at the massive condo conversion MeadowWood at Gateway, where prices range from $110,500 to $350,000. "There is no question that the neighborhoods with higher rates of home ownership have the greatest stability, schools and community services," says Markowitz of how ENY is changing. "Brooklynites outside of the ‘Brownstone Belt' don't realize that we have an affordability issue in certain neighborhoods and we're losing families to other areas such as New Jersey. We're committed to not letting that happen." Other developments are also boosting the sprawling neighborhood's profile, including the Related Companies Gateway Center shopping mall, which has a Target, Home Depot, Best Buy, and a supermarket and is going to be expanded in coming years with more big-box retail. Another large ENY home-ownership project, Nehemiah Housing Complex, is also currently being built. The complex will bring more than 2,000 middle-income units to the neighborhoods, with prices starting at $158,000. "Every place has its time," says Fillmore Real Estate's John-Paul Ho, who heads the team selling MeadowWood. "Now it's East New York. It's like a Cinderella story for the entire area."
Is East New York the New Harlem? [NY Daily News]
Photo by zachvs.

March 7, 2008

Closing Bell: New Starrett City Bids Coming In

starrett-city-towers-03-2008.jpgHere we go again. Crain's reports that bids are once again streaming in for Starrett City, the ginormous federally subsidized East New York housing complex. One of the offers is being prepared by a community group including the Christian Cultural Center, the Central Labor Council, and the Metropolitan Council on Jewish Poverty that says it will keep the property affordable. A group of investors tried and failed to buy the 5,881-unit complex for $1.3 billion last year. Plenty more on this one surely to come.
Community Group to Bid for Starrett City [Crain's]
New Starrett City Action: Community Group Bids First [Curbed]
Photo by gkjarvis

December 28, 2007

Sales Hummin’ at Huge East New York Conversion

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Here’s a cheerful dispatch from outside the Brownstone Belt: Sales at Brooklyn’s largest condo conversion are going extremely well, and the development’s lead broker says buyer interest “has been overwhelming.” Eighty-eight units have gone into contract at East New York’s MeadowWood at Gateway since sales began in September, according to Jean-Paul Ho, a vice president at Fillmore Real Estate and MeadowWood’s director of sales. MeadowWood at Gateway is a humongous former Mitchell-Lama rental complex that used to be called Fairfield Towers. Taconic Investment Partners and Apollo Real Estate Advisors purchased the complex last year and are putting $51 million into capital improvements. Prices at MeadowWood are running between $110,000 and $118,000 for studios; from $169,000 to $200,000 for one-bedrooms; and between $209,000 and $270,000 for two-bedrooms. “The prices are ridiculously low,” says Ho. “It’s the best value in Brooklyn.” (The New York State Affordable Housing Corp. and HPD are also offering financing incentives to moderate-income buyers.) Ho predicts that around 350 units will sell over the next year. “We’re not selling luxury condos in Dumbo or Brooklyn Heights,” he says. “But there’s always going to be a demand for affordable housing options in Brooklyn.”
Sales Begin at Brooklyn’s Biggest Condo Conversion [Brownstoner] GMAP
Photo from MeadowWood at Gateway site.

December 3, 2007

Mo Vaughn Takes Another Swing at East New York

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Mo Vaughn struck out when he tried to bid for Starrett City last February, but the former Mets/Red Sox slugger recently found another East New York property to invest in. Last week Vaughn’s Omni New York LLC plunked down $12.25 million for Remeeder Houses, according to public records. Remeeder is a 260-unit rental in East New York that’s long been considered one of the city’s most troubled affordable housing complexes. In September the New York State Housing Finance Agency approved a $20 million loan for capital improvements to the property; in exchange for the loan, the complex will be kept affordable for another 40 years. Vaughn’s company (which he runs with fellow investor Eugene Schneur) specializes in the redevelopment of affordable housing and has substantially expanded its portfolio in New York over the past year: This summer, Omni purchased Brownsville’s notorious Noble Drew Ali Plaza and announced plans to rehabilitate the 385-unit complex. Omni’s also already rehabbed another affordable housing complex in East New York, Grace Towers, a 168-unit property it bought a couple of years ago. GMAP P*Shark
Remeeder Houses photo by Hilary Black for Property Shark; Mo Vaughn photo from It's Mets For Me.

September 7, 2007

Sales Begin at Brooklyn’s Biggest Condo Conversion

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While Starrett City’s uncertain future as a middle-class enclave has been grabbing media attention, condo sales have quietly begun at a neighboring former Mitchell-Lama. Sales began this week at East New York’s MeadowWood at Gateway, a sprawling rental complex that used to be known as Fairfield Towers. Nearly 1,000 units are up for grabs, making the property Brooklyn’s largest condo conversion. According to a press release, the apartments are going for between $100,000 and $340,000, though they’ll be offered at a discount to current residents. Taconic Investment Partners and Apollo Real Estate Advisors purchased the complex last year and pledged to put $40 million into rehabbing it. (The condos are being sold by Fillmore Real Estate, which has yet to add the listings to its website.) In light of Starrett City’s possible shift to market-rate rentals, it’ll be interesting to see whether buyers jump at the option to own at a nearby property.
Starrett City’s Owners Look to Leave Mitchell-Lama [Brownstoner] GMAP
Photo from Taconicinvestments.com

August 30, 2007

Starrett City’s Owners Look to Leave Mitchell-Lama

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The $1.3 billion bid to buy Starrett City may have collapsed, but the property’s future as a middle-income housing complex is still uncertain. Starrett City’s owners filed notice with state housing authorities detailing their intention to leave the Mitchell-Lama program and sent a letter to tenants saying they were exploring various options for the property but had not conclusively decided on a course of action. Exiting Mitchell-Lama would allow Starrett City’s owners, a group of investors led by Disque Deane, to charge market-rate rents at the 5,881-unit East New York complex. Senator Schumer called the possible plan “an act of bad faith” and said he would “work with state leaders to pass legislation to preserve tenant protection to stop this.” State housing officials, meanwhile, said they would continue to negotiate with Starrett City’s owners about the preserving the complex’s affordable housing. As with the eight-month, drag-out fight over the $1.3 billion bid for the property, the latest battle for Starrett City is likely to rage for quite some time.
Starrett City’s Owners Make a Move Toward Market Rates [NY Times]
Starrett in Bid to Nix Low Rents [NY Post]
Starrett City Owners Move To Opt Out of Mitchell-Lama [NY Sun]
Subsidized Apartments on the Auction Block [Brownstoner]
Photo of Starrett City by gkjarvis

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