N.Y. Laws » CHAPTER Private Housing Finance / ARTICLE Limited-profit Housing Companies
New York Consolidated Laws

N.Y. Private Housing Finance Law § 11 (2026)

Policy and purposes of article

✓ current as of May 2026
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§ 11. Policy and purposes of article. It is hereby declared that there
exists in municipalities in this state a seriously inadequate supply of
safe and sanitary dwelling or non-housekeeping accommodations for
families and persons of low income, including accommodations for
handicapped persons of low income and aged care accommodations for aged
persons of low income; that such conditions are due, in large measure,
to over-crowding and concentration of the population, improper planning,
excessive land coverage, lack of proper light, air and space, improper
sanitary facilities and inadequate protection from fire hazards; that
such conditions constitute an emergency and a grave menace to the
health, safety, morals, welfare and comfort of citizens of this state,
necessitating speedy relief which cannot readily be provided by the
ordinary unaided operation of private enterprise and require that
provision be made by which private free enterprise may be encouraged to
invest in companies regulated by law as to rents, profits, dividends and
disposition of their property or franchises and engaged in providing
such housing facilities and other facilities incidental or appurtenant
thereto for families or persons of low income; that it is necessary that
provision be made for participation by the state, its municipalities and
the New York state housing finance agency in the financing of such
housing, for the acquisition by such companies of real property required
for such purposes and for public assistance to such companies by the
granting of tax exemptions; that the cooperation of the state, its
subdivisions and the New York state housing finance agency is necessary
to accomplish such purposes; that the provision of such adequate, safe
and sanitary housing accommodations by such companies jointly or
severally are public uses and purposes for which public money may be
loaned and private property may be acquired by and for such companies
and tax exemptions granted; that such conditions require the creation of
the companies hereinafter prescribed for the purpose of attaining the
ends herein recited; and the necessity in the public interest for the
provisions hereinafter enacted is hereby declared as a matter of
legislative determination.
Notes of Decisions
Cited in 23 cases (4 in the last 5 years), 1972–2025 · leading case: Murphy v. New York State Div. of Hous. & Cmty. Renewal, 999 N.E.2d 524 (N.Y. 2013).
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Murphy v. New York State Div. of Hous. & Cmty. Renewal, 999 N.E.2d 524 (N.Y. 2013). · cites it 2× “I The Mitchell-Lama Law was enacted to address the “seriously inadequate supply of safe and sanitary” housing for low- and moderate-income families living in the State’s urban centers (see Private Housing Finance Law § 11; see also L 1961, ch 803).”
Columbus Park Corp. v. Dep't of Hous. Pres. & Dev., 598 N.E.2d 702 (N.Y. 1992). “As the Legislature found, such affordable housing "cannot readily be provided by the ordinary unaided operation of private enterprise” (Private Housing Finance Law § 11). The program encourages such housing by offering State and municipal assistance to developers in the form of…”
Scruggs-Leftwich v. Rivercross Tenants' Corp., 517 N.E.2d 1337 (N.Y. 1987). “Third, appellant contends that the sale of units on the open market may lead to the exaction of illegal payments from prospective buyers, pointing out that Rivercross was created to serve the public purpose of providing adequate, safe and sanitary hous *853 ing with the aid of…”
KSLM-Columbus Apts., Inc. v. New York State Div. of Hous. & Cmty. Renewal, 6 A.D.3d 28 (N.Y. App. Div. 2004). “The developers, in return, agreed to abide by restrictions on rent, profit, disposition of property and tenant selection (see Private Housing Finance Law §§ 11, 20-23, 28, 31, 33; see also Matter of Columbus Park Corp.”
Forman v. Cmty. Servs., Inc., 366 F. Supp. 1117 (S.D.N.Y. 1973). · cites it 2× “N.Y. Private Housing Finance Law § 11 (McKinney Supp.”
Berkovich v. Mostovaya, 22 Misc. 3d 91 (N.Y. App. Term. 2009). “accommodations for families and persons of low income .”
Jerome Avenue Hous. Dev. Fund Corp. v. King, 147 Misc. 2d 162 (N.Y. App. Term. 1990). “Moreover, the provisions of the cooperative plan operative in this case were made consistent with the regulatory requirements of the Private Housing Finance Law, a State statute having as its declared purpose the encouragement of private investment in housing companies organized…”
Indep. Plaza North Tenants' Ass'n v. Indep. Plaza Assocs., 29 Misc. 3d 868 (N.Y. Sup. Ct. 2010). “(See Private Housing Finance Law §§ 11, 33; Matter of KSLM-Columbus Apts.”
Southbridge Towers, Inc. v. Frymer, 4 Misc. 3d 804 (N.Y. City Civ. Ct. 2004). “” (Private Housing Finance Law §11.) Furthermore, as petitioner itself notes, DHCR has not enacted a regulation concerning service of cure notices to Mitchell-Lama cooperators.”
Rochdale Vill., Inc. v. Fin. Adm'r, 159 A.D.2d 494 (N.Y. App. Div. 1990). · cites it 2× “These statutory provisions are part of the "Limited-Profit Housing Companies Law” which recognizes that "there exists in municipalities in this state a seriously inadequate supply of safe and sanitary dwelling * * * accommodations for families and persons of low income” (Private…”
Rochdale Vil., Inc. v. Hallerdin-Grant, 2024 NY Slip Op 24192 (Civ. Ct. NYC, Queens Cty. 2024). “The subject premises are a limited profit cooperative corporation organized under Article II of the Private Housing Finance Law, commonly referred to as the Mitchell-Lama Law, a statutory scheme intended to provide affordable housing to low- and middle-income families ( see…”
Rochdale Vil., Inc. v. Hallerdin-Grant, 2024 NY Slip Op 24192 (Civ. Ct. NYC, Queens Cty. 2024). “The subject premises are a limited profit cooperative corporation organized under Article II of the Private Housing Finance Law, commonly referred to as the Mitchell-Lama Law, a statutory scheme intended to provide affordable housing to low- and middle-income families ( see…”
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