Methodology · Financing & Underwriting
Financing & underwriting methodology
Reviewed by Byron Malone · Last reviewed .
Page in progress.
Financing & Underwriting anchor calculators are on the post-launch backlog (Byron-confirmed scope expansion: 2–5 additional calcs after the initial 5-day cascade). When those tools ship, this methodology page will cover Fannie Mae conforming financing for 1–4 unit residential investment property, DSCR loans, commercial financing thresholds, hard-money underwriting, and portfolio-loan structures.
Sources we'll cite
- Fannie Mae Selling Guide — §B6 (multifamily), §B3 (income), §B4 (collateral), §B7 (insurance), §C2 (eligibility)
- FHFA Conforming Loan Limits — annual update
- HUD Multifamily Underwriting (§221(d)(4), §223(f), §241(a))
- Federal Reserve H.15 — Treasury / SOFR / Prime indices
- FRED — historical rate series for time-series modeling
- NAIC bulletins — state-level property-insurance overlays affecting financing
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