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Great Start Mortgage

Exploring the Impact of Fannie Mae's Reduced Down Payment on Multifamily Properties

Key change: the maximum allowable LTV, CLTV, and HCLTV ratios for two- to four-unit, principal residence, purchase, and limited cash-out transactions will be updated to 95%.


This essentially means that a buyer can get into a multifamily unit with as little as 5% down. This would have to be a primary residence for the buyer, meaning one of the units would have to be occupied by the buyer shortly after the transaction closes

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