Refinancing your co-op apartment's mortgage is a simple task, except when it's not. We'll walk you through one Brooklyn shareholder's travails when he discovers his cooperative isn't incorporated properly. Elsewhere, a board treasurer shares tricks of the trade. We delineate the pros and cons of building supers taking apartment fix-it jobs for residents. And what's eating you? Termites, possibly. Believe it or not, that's now a thing even in Manhattan. We give you the inside scoop on the little buggers' invasion of a Hell's Kitchen building, and what steps the board took to eradicate and remediate.