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ronx says the window for homeownership is opening but may close soon. Manny Pantiga of Locqube notes many residents don’t realize how close they are to owning a home. “Buyers often think a 20 % down payment is mandatory,” he explains, pointing out the myth. A cooling market has tilted the balance toward buyers, yet new Zillow data shows the edge is fading: home values rose 4 % last year and nearly half sell at or above asking. Pantiga highlights two‑family units—like a Williamsbridge duplex listed at $829,000—as buys that can offset mortgage costs by adding rental income. Renters eyeing purchase may find the best moment now, before the borough’s market aligns with rest of city.