IF & AND Statment need to add an extra OR

I have the following formula which works fine, but, I need Y3 to be a Y or an A

=(IF(AND(Properties!$BY3>0,Properties!Y3="Y",Properties!$AY3=""),1,0))

have tried;

=(IF(AND(Properties!$BY3>0,Properties!Y3,{"Y","A"},Properties!$AY3=""),1,0))

Unfortunately, this doesn't work. Any help would be much appreciated. Actually, it does but it give me everything in BY which is what I don't want

So, I need to know that if AY is blank, Y is Y or A then count BY if greater than blank