{"id":5972,"date":"2026-04-17T09:46:50","date_gmt":"2026-04-17T09:46:50","guid":{"rendered":"https:\/\/thecotocongroup.com\/blog\/?p=5972"},"modified":"2026-04-17T09:46:50","modified_gmt":"2026-04-17T09:46:50","slug":"nyc-energy-compliance-financing","status":"publish","type":"post","link":"https:\/\/thecotocongroup.com\/blog\/nyc-energy-compliance-financing\/","title":{"rendered":"How Energy Compliance Affects NYC Building Financing &#038; Refinancing"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text]<\/p>\n<h2 style=\"text-align: justify;\"><b>How Energy Compliance Affects NYC Building Financing &amp; Refinancing<\/b><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">If you own or manage a building in New York City, energy compliance is no longer just a regulatory requirement\u2014it\u2019s a financial factor that can directly impact your ability to secure loans, refinance properties, or attract investors.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Over the past few years, NYC has tightened its building energy laws. Programs like Local Law 97 (LL97) and energy benchmarking requirements are now influencing how lenders, banks, and investors evaluate real estate assets.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">So, what does this mean for building owners? Simply put, your building\u2019s energy performance can affect its value, risk profile, and financing options.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Let\u2019s break it down in simple terms.<\/span><\/p>\n<h3 style=\"text-align: justify;\"><b>What Is Energy Compliance in NYC?<\/b><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Energy compliance refers to how well a building meets New York City\u2019s energy efficiency laws and carbon emission limits.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Some of the key regulations include:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.thecotocongroup.com\/nyc-local-law-97.html\">Local Law 97<\/a> (carbon emissions limits)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.thecotocongroup.com\/nyc-local-law-84.html\">Local Law 84<\/a> (energy benchmarking)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.thecotocongroup.com\/nyc-local-law-87.html\">Local Law 87<\/a> (energy audits and retro-commissioning)<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">These laws aim to reduce greenhouse gas emissions and improve building performance across the city.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">For building owners, compliance means:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tracking energy usage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reducing emissions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Upgrading systems when needed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Avoiding penalties<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">But beyond avoiding fines, compliance now plays a bigger role\u2014especially in financing.<\/span><\/p>\n<h4 style=\"text-align: justify;\"><b>Why Lenders Care About Energy Compliance<\/b><\/h4>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Traditionally, lenders looked at factors like location, rental income, and occupancy rates. Today, energy performance is becoming just as important.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Here\u2019s why:<\/span><\/p>\n<p style=\"text-align: justify;\"><b>1. Compliance Reduces Financial Risk<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Buildings that fail to meet energy laws can face heavy penalties. Under Local Law 97, fines can reach thousands of dollars per year.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">For lenders, this creates risk.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">If a building is non-compliant, it may struggle to maintain cash flow. That makes it harder for owners to repay loans.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>2. Energy-Efficient Buildings Are More Valuable<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Properties with better energy performance tend to:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have lower operating costs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Attract higher-quality tenants<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maintain long-term value<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">This makes them more attractive to banks and investors.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>3. ESG Standards Are Driving Lending Decisions<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Environmental, Social, and Governance (ESG) criteria are now a major factor in real estate financing.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Banks and financial institutions prefer to invest in buildings that align with sustainability goals. Energy-compliant properties fit perfectly into this strategy.<\/span><\/p>\n<h4 style=\"text-align: justify;\"><b>How Energy Compliance Impacts Financing<\/b><\/h4>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">If you are applying for a loan or refinancing your building, energy compliance can influence the outcome in several ways.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Loan Approval<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Lenders may review:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Energy benchmarking reports<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emissions data<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compliance status with Local Law 97<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">If your building is non-compliant, lenders may see it as a higher-risk investment.<\/span><\/p>\n<p style=\"text-align: justify;\"><strong>Loan Terms and Interest Rates<\/strong><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Energy-efficient buildings often qualify for:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lower interest rates<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Better loan terms<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access to green financing programs<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">On the other hand, non-compliant buildings may face stricter terms or higher costs.<\/span><\/p>\n<p style=\"text-align: justify;\"><strong>Property Valuation<\/strong><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Energy compliance can directly impact your building\u2019s appraised value.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">A building with high emissions and outdated systems may be valued lower due to:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Future upgrade costs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Potential penalties<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduced market appeal<\/span><\/li>\n<\/ul>\n<h4 style=\"text-align: justify;\"><b>Refinancing Challenges for Non-Compliant Buildings<\/b><\/h4>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Refinancing is where energy compliance becomes even more critical.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">When refinancing, lenders take a closer look at long-term risks. If your building is not compliant, you may face:<\/span><\/p>\n<p style=\"text-align: justify;\"><b>1. Higher Capital Expenditure Requirements<br \/>\n<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Lenders may require you to:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Upgrade HVAC systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Improve insulation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Install energy-efficient lighting<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">These upgrades can be expensive, and lenders factor them into your financial profile.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>2. Reduced Loan-to-Value (LTV) Ratios<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">If your building has compliance issues, lenders may reduce the amount they are willing to lend.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">This means you may need to bring more equity into the deal.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>3. Delayed or Denied Refinancing<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In some cases, refinancing may be delayed until compliance issues are resolved.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">For building owners, this can create cash flow challenges.<\/span><\/p>\n<h4 style=\"text-align: justify;\"><b>The Role of Local Law 97 in Financing<\/b><\/h4>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Local Law 97 is one of the most important regulations affecting NYC buildings today.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Starting in 2024, buildings over 25,000 square feet must meet strict carbon emission limits. These limits will become even tighter in 2030.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">If a building exceeds its emissions cap, it will face annual penalties.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">For lenders, this law introduces long-term financial risk.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">They want to know:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Will this building meet future emission limits?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What upgrades are needed?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How much will it cost?<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Buildings that already have a compliance plan are in a much stronger position when seeking financing.<\/span><\/p>\n<h4 style=\"text-align: justify;\"><b>Benefits of Energy Compliance for Building Owners<\/b><\/h4>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">While compliance may seem like a burden, it actually offers several financial advantages.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Lower Operating Costs<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Energy-efficient systems reduce utility bills. Over time, this improves your net operating income (NOI), which is a key metric for lenders.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Stronger Market Position<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Tenants are increasingly looking for sustainable buildings. Energy-efficient properties are more competitive in the rental market.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Access to Green Financing<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Many lenders now offer green loans or sustainability-linked financing.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">These programs often provide:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lower interest rates<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexible terms<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Incentives for energy upgrades<\/span><\/li>\n<\/ul>\n<h4><b>Higher Asset Value<\/b><\/h4>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">A compliant building is seen as future-proof. This increases its long-term value and attractiveness to investors.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<h4 style=\"text-align: justify;\"><b>Steps to Improve Energy Compliance Before Financing<\/b><\/h4>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">If you are planning to refinance or apply for a loan, improving your building\u2019s energy compliance should be a priority.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Here are some practical steps:<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Conduct an Energy Audit<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">An energy audit helps identify inefficiencies and areas for improvement. It provides a clear roadmap for upgrades.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Invest in Retro-Commissioning<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Retro-commissioning ensures that building systems operate efficiently. It is often required under Local Law 87 and can significantly improve performance.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Upgrade Building Systems<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Focus on high-impact upgrades such as:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">HVAC systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lighting<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Building envelope improvements<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><b>Monitor Energy Usage<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Use smart systems to track energy consumption in real time. This helps maintain compliance and identify issues early.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Work with Energy Consultants<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Experts can help you:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Develop a compliance strategy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Estimate upgrade costs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prepare documentation for lenders<\/span><\/li>\n<\/ul>\n<h5 style=\"text-align: justify;\"><b>What Lenders Expect in 2026 and Beyond<\/b><\/h5>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The financial landscape is changing quickly.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In the coming years, lenders are expected to:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Require detailed energy performance data<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prioritize buildings with clear decarbonization plans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Integrate ESG metrics into underwriting processes<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">This means energy compliance will become a standard part of real estate financing\u2014not an optional factor.<\/span><\/p>\n<h3 style=\"text-align: justify;\"><b>Common Questions\u00a0<\/b><\/h3>\n<p style=\"text-align: justify;\"><b>Does energy compliance affect property value in NYC?<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Yes. Buildings that meet energy standards are often valued higher due to lower operating costs and reduced regulatory risk.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Can non-compliant buildings still get financing?<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Yes, but it may come with higher interest rates, stricter terms, or additional requirements for upgrades.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>What is the biggest financial risk of non-compliance?<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The biggest risk is ongoing penalties under Local Law 97, along with reduced property value and limited financing options.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Are there incentives for energy-efficient buildings?<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Yes. Many lenders offer green financing options, and there are also government incentives for energy upgrades.<\/span><\/p>\n<h5 style=\"text-align: justify;\"><b>Final Thoughts<\/b><\/h5>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Energy compliance is no longer just about following regulations\u2014it\u2019s about protecting and enhancing your building\u2019s financial future.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In NYC, where laws like Local Law 97 are reshaping the real estate landscape, energy performance is becoming a key factor in financing and refinancing decisions.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">For building owners, the message is clear:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stay compliant<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Plan ahead<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Invest in efficiency<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Doing so not only helps you avoid penalties but also positions your property as a strong, low-risk investment in the eyes of lenders and investors.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">If you\u2019re planning to refinance or secure new financing, now is the time to take energy compliance seriously. It could be the difference between a smooth approval and a costly delay.<\/span><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] How Energy Compliance Affects NYC Building Financing &amp; Refinancing [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5975,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[45],"tags":[],"class_list":["post-5972","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nyc-local-law-97"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>NYC Energy Compliance Financing: Impact on Loans &amp; Refinancing<\/title>\n<meta name=\"description\" content=\"Learn how NYC energy compliance financing affects building loans and refinancing. 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