Hi Michellercr3- I see that you have been trying to sell your apartment for over a year. Did you know you would get more buyers interested if you had it with a realtor. Realtors are trained in just that....getting your property SOLD! They have a network they work with to find the right buyer for your apartment. I understand that you are trying to save money by NOT paying a commission, but, you obviously are having trouble selling and in the end have now paid mortgage payments, taxes and utilities for a whole year.
NAR has done a study showing how using a realtor can actually save you money in the long run by getting your property sold rather than sitting on the market for a year.
Do yourself a favor and list with a realtor. If you would like the name of someone in NYC that will get it done, give me a call 845-591-4724