Meng --- I have one answer now and will keep looking for others.
One large local savings bank will do your loan, but it has to go as
a second home purchase. A few of their basic rules:
Minimum loan size - $450,000
Minimum down payment â€“ 40%
Minimum purchase price of apartment - $750,000
A couple of commercial banks in midtown that used to be very
active with foreign buyers, may be getting more aggressive on
their terms, I will have to check further.