joe, in my building, when someone is added to the ownership of an apartment, we require 3 months of bank statements, 3 years of tax returns, 3 pay stubs, verification of employment/salary and the REBNY form. the reason for this is to confirm that the new person can potentially afford the full payment on his/her own. we require a minimum of 2 years worth of maintenance in the bank. even in the case of an estate, the person has to pass the board and would be required to submit this paperwork. hope this helps.