Letter of no objection

Hello. I own a two family brownstone built in 1899\. No C of O on record, listed as a one family building by the DOB. It’s been used as a two family for a long time (since before we purchased it). At least 10 years that I know of. I purchased the house with all cash two years ago, and I’m looking to get a refi mortgage now. I have tenants in the garden level, and the place has separate electric meters, though only one gas meter. there is a separate entrance for the rental unit. I plan on doing some major reno down the road which will require plans / a real CofO. But for now, we need to satisfy the lenders looking for the C of O. I was told to seek a Letter of No Objection from the city to treat the building as a two family.  I am assembling all required documentation for the Letter of No Objection, and have read that you can supplement the records with utility bills to prove it’s being used as a two family.  My question is what is the treshhold that the city uses to make the call that it can be granted the 2 family LNO? Is it enough that I bought the place like this, and it’s been used that way for a while, and is all set up for it? Do I have to prove some really long history of utility billing for the previous tenants? Thanks

rigasbalsam

in Dept. of Buildings (DOB) 13 years and 6 months ago

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fangfang2007 | 13 years ago

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Hi rigasbalsam, Do you finally get the letter of no objection? Thank you!

vthatcher | 13 years and 6 months ago

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I am a mortgage broker- active here on Brownstoner.  If its set up like a 2 family- we should be good to go.  I can get a letter from title to state that it was built prior to the issuance of CO’s and thats that.  The appraiser should appraise it as a two family.     Vanessa Thatcher Senior Loan Officer NMLS# 41404    Atlantic Home Capital 4175 Veterans Memorial Hwy Ste 310 Ronkonkoma, NY 11779   Office: 631-687-3510 x106 Direct Fax: 631-918-5222 Cell: 631-672-4113

jockdeboeraia | 13 years and 6 months ago

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Since you are using it contrary to what it was built as I would think DOB is going to tell you to legalize the property.  Unless you can prove it has been like that for a very long time.  It is worth trying as it will not cost much to do so.