Property Condition Disclosure - NY
Are all sellers in NY required to provide a property condition disclosure OR a $500 credit at closing? When purchasing my own home, the agent made it seem like this was a requirement (the disclosure or the money). What if i am buying a home from an individual off a lead with no banks involved, just private money. Is this still a requirement? Is it better/more ethical to inform the seller of this before agreeing on a price?