Living happily ever after in a New York City apartment has as much to do with the building you live in as the apartment you buy.   That’s a lesson first-time buyers and people new to NYC generally wind up learning the hard way--falling for the view and living to regret the high maintenance charges (or the high-maintenance board).   Especially if it's your first time at the rodeo, you may not be sensitive to all the ways buildings diverge--from service, financial health, to flood zone location to sublet policies.  Read on for the rundown.