As an employee of a nonprofit that supports, creates, and preserves affordable cooperative housing, I will tell you this: A recent case where a man claimed to be divorced in order to pass the income guidelines to buy into an HDFC building was "caught" when his wife and kid moved in. His board felt wholly duped, and now someone they might not have approved because of income restrictions is living there.

Boards will be wary of this now, because our organization was made aware of it as a sort of scheme to "get in" to an HDFC. Some HDFCs, especially the pricier ones, may not care. But be very careful about what you try to get away with, and if you genuinely want to buy in an HDFC because of the affordable price and your income, make sure you have a document ready to verify the separation is in the works or legal and permanent, because some boards are on the lookout for falsification.

What HDFC Coop Boards look for is for buyers to have a certain income. They verify this via tax returns and letter from your employer stating your salary. Your income is well below what many HDFC income requirements are so if you are looking for a one bedroom you should be able to find something. Did you file a joint return with your husband last year. Do you have documentation of a legal separation. This helps you application alot. Be aware that a broke can help you with knowledge of a HDFC financial status and efficiency of running the building. .