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So you have to commute anywhere and what’s the budget? All things equal west harlem is my fav, then central. I don’t love East Harlem but I don’t like most of the east side of the city so there’s that.
Live in jersey?
I’m in the same boat. With regards to credit, I learned that there are companies that can be your guarantor!! Lol if you don’t have a co-signer or guarantor of your own, you can pay these companies!
One is literally called “The Guarantors”. The other I learned about is called “Rhino”. The caveat is that the building/property has to work with them.
Look into the apartment you want and apply- if you get denied, apply to one of the guarantor companies with the info and let them tell you yes or no if they will work with you. I think this is a pretty awesome option.