Maintenance in most co-ops includes Heat, hot water, as Real Estate Taxes, maintenance of the common areas, as well as the staff.
When purchasing a co-op in Queens, you'll need at minimum 20% down payment and your debt should be no more than 25-28% your monthly income.
A good buyer's broker will pre-approve you based on your numbers before even showing you any properties.
Kathy H Chang
FENWICK KEATS Real Estate