Our packages
Five packages,
all ready to fill in online.
One for buyers, one for sellers, one for renters, one for landlords, and one for commercial and investment financing. Read what each one covers before you start, and ask us about any line that does not read clearly to you.
For buyers
Buyer Representation Package 2026
Our packet for a New York residential or investment purchase. It opens with a welcome page and our 1-2-3 buyer readiness process, then carries a due-diligence checklist, the representation agreement itself and the two New York State disclosure forms.
- Full packet
- 17 pages
- Online form
- About 12 minutes
- You sign
- After our review
What is inside
- Welcome, the 1-2-3 buyer readiness process, your profile and our representation notice
- Buyer readiness and due-diligence checklist
- Exclusive Buyer Representation Agreement
- New York State Disclosure Form for Buyer and Seller
- New York State Housing and Anti-Discrimination Disclosure Form
- Package receipt and completion acknowledgment
Who it is for
Anyone buying or leasing property in New York through our office. The scope page on the agreement covers residential, commercial and lease searches, so one packet fits whichever one you are doing.
Financing comes first. Before showings and offers, financed buyers get a mortgage preapproval and cash buyers show proof of funds. The packet lists the usual documents: your most recent pay stubs, two months of bank and asset statements, and two years of W-2s and tax returns.
Read the cover first. It says, in capitals, that brokerage compensation is not set by law and is fully negotiable. Complete all blanks and selections before signing, and keep a completed copy.
The official New York forms stay separate disclosures inside the package. The packet also states that Plan A Realty Corp. does not originate consumer residential mortgage loans and does not provide legal or tax advice.
For sellers
Seller Representation and Marketing Package
Our packet for selling a New York home. It opens with a welcome page and our commitment to you, then carries the listing agreement, the marketing and access addendum, and the New York State and federal disclosure forms.
- Full packet
- 31 pages
- Online form
- About 15 minutes
- You sign
- After our review
What is inside
- Welcome page and why sellers choose us
- Seller and property information
- Exclusive Right-to-Sell Listing Agreement, five pages
- Marketing, Sign, Lockbox and Access Authorization Addendum
- New York State Disclosure Form for Buyer and Seller
- New York State Housing and Anti-Discrimination Disclosure Form
- Our standardized operating procedure
- Owner direction for offers and negotiations
- New York State Property Condition Disclosure Statement
- Lead paint checklist, the federal lead-based paint disclosure and the EPA fact sheet
Who it is for
Anyone selling a home in New York through our office.
Our fee is yours to negotiate. The listing agreement says, in capitals, that broker compensation is not set by law and is fully negotiable.
The Property Condition Disclosure Statement is yours to complete. The packet tells our agents not to fill it in for you. It also states that Plan A Realty Corp. does not provide legal, tax, engineering, environmental or title advice.
For renters
Tenant Representation and Rental Application Packet
Our packet for a New York residential rental. It keeps the representation and disclosure documents separate from the rental application that goes to the landlord or property manager, so you only hand over what that side actually needs.
- Full packet
- 18 pages
- Online form
- About 20 minutes
- You sign
- After our review
What is inside
- Welcome page and our commitment to you
- Our rental search services, from the search to a signed lease
- Tenant representation cover with the requested-documents checklist
- New York State Disclosure Form for Landlord and Tenant
- Exclusive Tenant Representation Agreement, six pages
- New York State Housing and Anti-Discrimination Disclosure Form
- Residential Rental Application, five pages
Who it is for
Anyone renting a home in New York through our office. The application covers a second applicant in full, housing history, every lawful source of income including vouchers and housing assistance, vehicles and animals, and the landlord's own decision block.
Leave the sensitive numbers off it. The application says in print not to put a full Social Security number, a complete driver's-license number, a date of birth or a bank-account number on it, and to give those identifiers to the landlord's screening provider through a secure method instead. Government ID is captured as type, issuing state and last four only.
The application also states that it is not a lease, does not reserve the property and does not guarantee approval, and that the landlord or property manager makes the final decision. Its New York screening notices add that a landlord's credit or background check charge is generally limited to the actual cost, up to $20, and that an applicant may provide a qualifying report completed within the prior 30 days.
For landlords
Residential Landlord Representation Package
Our packet for renting out a New York home, one to four family. It puts the representation agreement, the owner's intake pages and the disclosures in one place, from preparing the property through applicant review, lease coordination and move-in.
- Full packet
- 22 pages
- Online form
- About 25 minutes
- You sign
- After our review
What is inside
- Welcome page and our landlord representation services
- Package index and completion checklist
- New York State Disclosure Form for Landlord and Tenant
- Exclusive Landlord Representation Agreement, four pages
- Owner identity, authority and regulatory intake
- Rental terms, marketing and access instructions
- Property condition, systems and compliance
- Applicant screening and fair housing instructions
- Owner direction for applications and negotiations
- New York State Housing and Anti-Discrimination Disclosure Form
- Lead paint checklist, the federal lead disclosure and the EPA fact sheet
- Rental proposal approval and lease-up instructions
Who it is for
Any owner renting out a one to four family home in New York through our office, including one held by an entity. The packet asks for the deed or entity authority, the certificate of occupancy or legal-use records, a rental permit or registration where one is required, and current property and liability insurance.
The same rules for every applicant. The screening page asks you to apply objective criteria consistently.
The agreement also states that the broker does not provide legal, tax, engineering, environmental, lending, insurance or property-inspection advice.
For investors and commercial
Commercial Loan Application and Business-Purpose Financing Packet
Our application packet for commercial, investment-property and DSCR loan requests. This is business-purpose financing, not a home mortgage. The packet's own first page says Plan A Realty Corp. is a licensed New York real estate broker, does not originate consumer residential mortgage loans, and facilitates business-purpose, investor and commercial loans only.
- Full packet
- 26 pages
- Online form
- About 25 minutes
- You sign
- After our review
What is inside
- Package index and document checklist, listing the documents the packet asks you to submit
- The application: loan request, borrowing entity, residential history, the subject property and how title will be held
- Authorizations for verification of rent, title and property searches, plus the survey requirement, insurance selection and the affidavit of occupancy
- Property and hazard insurance requirements, with a page your insurance agent fills in
- Rental properties, investor experience and guarantor credit authorization
- Borrower certification and the commercial loan broker and compensation agreement
- Patriot Act Information Disclosure, Equal Credit Opportunity Act, Right to Receive Appraisal and the borrowers' certification and authorization
- Form 1003, the Uniform Residential Loan Application (Freddie Mac Form 65 and Fannie Mae Form 1003, effective 1/2021), with our instructions for a DSCR file
- Understanding Your DSCR Loan, a plain-language page on the ratio and on prepayment periods
Who it is for
Borrowers seeking business, commercial or investment financing through a third-party lender. The packet asks you to certify that the money is for business, commercial, investment or other non-personal purposes, and that it will not be used primarily for personal, family or household purposes.
We place the request, the lender decides. The packet states that Plan A Realty Corp. acts as a commercial and business-purpose loan broker or consultant, and does not guarantee approval, loan terms, closing or funding. Financing is subject to third-party lender underwriting, approval, program terms, property eligibility and availability.
The pages carrying personal and financial details are marked confidential, and the packet asks that they come back only through our secure process. Call the office and we will set that up before you send anything. Never email a filled loan packet.
The checklist is a starting point, not the whole file. The packet notes on the same page that submission requirements vary by lender, property type, loan program and transaction, and that additional documentation may be requested.
What DSCR means, before you open that packet
DSCR is the debt service coverage ratio. Lenders use it to see whether, on most programs, the qualifying rental income from an investment property is enough to carry the monthly property obligation. The last page of the loan packet puts the arithmetic plainly.
Qualifying monthly rental income ÷ applicable monthly property expense
That monthly expense can include principal, interest, real estate taxes, property insurance and any homeowners or condominium association dues. On most programs a ratio of 1.00 means the qualifying rent equals the expense. Above 1.00 the rent more than covers it. Below 1.00 it does not cover it in full.
The lender decides what rent qualifies, working from an existing lease, the market rent on the appraisal or rental schedule, or other documentation the program allows. The same packet notes that requirements, rates, pricing and prepayment structures vary by lender, program, property type and law, and that nothing here is a guarantee that a particular rent figure, ratio, rate or prepayment option will be accepted.
