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When a couple realized they could afford a down payment on a two-bedroom apartment for themselves and their young son, they focused their search on H.D.F.C. co-ops, an appealing yet vexing option for many middle-income home buyers. Here’s what they found.
Some residents resent efforts to brand the area as a separate space within Harlem, but it’s clearly a neighborhood in transition: “Everywhere you look, there’s construction.”