Austin, Texas

Mortgage insights for Austin & Texas buyers

Rates, programs and strategy from Wise Capital Mortgage's Austin loan officers — updated for today's market.

Looking for a quick answer instead?Browse 330+ questions on DSCR, hard money, FHA/VA/USDA, bank statement loans and more — searchable in one place.

Tiered chart showing DSCR loan credit score bands from 620 through 760 with corresponding leverage and pricing outcomes

DSCR Loan Credit Score: Tiers, Traps, and How to Move Up One

The credit tiers DSCR lenders price from, which score they actually pull, what derogatories cost you, and how to move up a tier before you lock.

Worked debt service coverage ratio calculation showing gross monthly rent divided by principal, interest, taxes, insurance and HOA

How to Calculate DSCR (And What Lenders Do Differently)

Work the DSCR formula step by step, see the four places lenders calculate it differently than you do, and stress-test the ratio before you apply.

Timeline showing a hard money loan term overlapping with a DSCR refinance process from rehab completion through payoff

Hard Money to DSCR: The Refinance Handoff, Step by Step

The transaction mechanics of exiting a hard money loan into a DSCR refinance: overlapping clocks, appraisal timing, lease requirements and payoff.

Chart comparing debt service coverage ratios across Central Texas counties at matched purchase prices and rents

Austin DSCR Loans: What the Tax Rate Does to Your Ratio

Central Texas property taxes sit in the DSCR denominator and cost Austin investors two pricing tiers. How to model it, and which submarkets still clear.

Framework diagram showing the four state-level variables that change debt service coverage ratio outcomes across markets

DSCR Loans by State: What Actually Changes Across State Lines

Property tax, insurance, foreclosure process and prepay enforceability all change by state, and all change your DSCR. A framework for any market.

Stage by stage flip project timeline showing acquisition, draw schedule, listing and payoff with carrying costs at each phase

Fix and Flip Loans: The Deal Lifecycle From Offer to Payoff

What happens at each stage of a flip loan, where projects actually go wrong, and the carry cost per day that decides whether the margin survives.

Cost comparison chart showing hard money and conventional financing expenses over a six month holding period

Hard Money vs Conventional: What Speed Is Worth in Dollars

Hard money costs multiples of conventional. The break-even math for when speed and condition flexibility are worth paying for, and when they are not.

Three overlapping leverage caps for a fix and flip loan showing loan to cost, after repair value and as-is value with the lowest result binding

LTV, LTC and ARV: Three Caps, and Which One Binds Your Deal

Flip lenders apply three leverage caps and fund the lowest result. How to calculate all three, find the binding one, and change it before you bid.

Complete flip cost model showing acquisition, financing, holding and selling costs subtracted from after repair value

Fix and Flip Calculator: Every Cost Line Investors Forget

The 70% rule is a screen, not a model. The complete cost stack for a flip, the six lines investors leave out, and how to build a real projection.

Underwriting checklist for a hard money loan file showing property, borrower, scope and exit documentation categories

Hard Money Loan Requirements: The Underwriting File, Item by Item

What hard money lenders verify, the liquidity test most investors fail, and the complete document list that gets a file to closing without conditions.

Leverage comparison showing cash required for a first-time investor versus an experienced investor on the same fix and flip project

Hard Money for First-Time Investors: What the Experience Gap Costs

First-time flippers get less leverage and pay more. What the gap costs in dollars, how to close it faster, and the mistakes that end first projects.

Entity structure diagram for a fix and flip project showing the LLC holding title with a personal guarantee and separate tax treatment

Fix and Flip in an LLC: Dealer Status and the Tax Problem

Flipping in an entity is standard for lending, but the tax treatment differs sharply from rentals. Dealer status, self-employment tax, and what it changes.

Appraisal comparison grid showing subject property adjusted against three comparable sales to derive after repair value

ARV: How Appraisers Set It, and How to Contest a Low One

How after repair value is actually determined, why your receipts do not appear in it, and the reconsideration process that occasionally works.

BRRRR cycle diagram showing capital deployed at purchase and recovered at refinance with the equity spread required at each stage

The BRRRR Method: The Margin Math, and Three Ways It Fails

BRRRR only works when forced appreciation exceeds total cost by enough to refinance out. The spread you need, and the three ways deals break.

Timeline showing a bridge loan spanning the gap between a property acquisition and a pending sale or permanent refinance

Bridge Loans for Investors: Solving Timing, Not Condition

Bridge financing solves a timing gap, not a condition problem. When it beats hard money, what it costs, and the exit risk that defines it.

Seven day hard money closing timeline showing appraisal, title, insurance and document preparation running in parallel

Closing Hard Money in 7 Days: What Actually Controls the Clock

Seven-day closings are real but conditional. The four things that actually gate the timeline, and the preparation that makes speed possible.

Central Texas flip project cost breakdown showing property tax, insurance, permit and foundation line items against a renovation budget

Fix and Flip Loans in Texas: The Local Cost Lines That Decide Deals

Texas flip economics turn on property tax, insurance, foundation risk and permit timelines. What each one costs and how to budget them properly.

Deal screening worksheet showing eight underwriting checks applied to a rental and a flip scenario side by side

How to Stress-Test a Deal Before You Send It to a Lender

The eight checks a deal should survive before it reaches underwriting, the four inputs to stress, and what a decline is usually telling you.

Austin, Texas skyline at sunset — Austin mortgage rates 2026 | Wise Capital Mortgage

Austin Mortgage Rates in 2026: What Buyers Should Actually Expect

Where 30-year fixed rates sit today, why, and how to plan around them.

First-time home buyer holding keys — down payment assistance in Austin, Texas | Wise Capital Mortgage

First-Time Buyers

Down Payment Assistance Programs for Austin First-Time Buyers

TSAHC, TDHCA and City of Austin programs that can cut your upfront cost.

Couple reviewing FHA and conventional loan paperwork | Wise Capital Mortgage, Austin TX

Loan Comparison

FHA vs. Conventional: Which Loan Is Right for You?

A side-by-side breakdown of down payment, credit and mortgage insurance.

Austin residential neighborhood with downtown skyline — how much home can you afford | Wise Capital Mortgage

How Much Home Can You Afford in Austin at Today's Rates

Real income-to-payment math for $400K-$550K Austin purchases.

DSCR Loans Explained: Buying Rental Property Without W-2 Income | Wise Capital Mortgage

DSCR Loans Explained: Buying Rental Property Without W-2 Income

How the debt service coverage ratio qualifies a property, not a paycheck.

Fix and Flip Financing 101: How Hard Money Loans Work | Wise Capital Mortgage

Fix and Flip Financing 101: How Hard Money Loans Work

Speed, terms and exit strategy for asset-based investor loans.

More Guides

VA Loan Benefits Explained: A Complete Guide for Veterans | Wise Capital Mortgage

VA Loan Benefits Explained: A Complete Guide for Veterans

Zero down, no PMI, funding fee exemptions and eligibility.

USDA Loan Eligibility: Which Austin-Area Suburbs Qualify | Wise Capital Mortgage

First-Time Buyers

USDA Loan Eligibility: Which Austin-Area Suburbs Qualify

Which nearby communities qualify for 100% financing.

Conventional Loan Requirements in 2026: The Complete Checklist | Wise Capital Mortgage

Loan Comparison

Conventional Loan Requirements in 2026: The Complete Checklist

Credit, down payment and DTI rules for 2026.

How to Get a Mortgage as a Self-Employed Borrower | Wise Capital Mortgage

How to Get a Mortgage as a Self-Employed Borrower

Bank statement loans, DSCR, and stronger conventional files.

Cash-out refinance vs HELOC comparison — Wise Capital Mortgage, Austin TX

Cash-Out Refinance vs. HELOC: Which Is Better in 2026?

A side-by-side comparison of the two main equity tools.

Credit Score Needed to Buy a House: 2026 Guide by Loan Type | Wise Capital Mortgage

Loan Comparison

Credit Score Needed to Buy a House: 2026 Guide by Loan Type

Minimums for FHA, conventional, VA, USDA and DSCR.

Mortgage Pre-Approval vs. Pre-Qualification: What’s the Difference? | Wise Capital Mortgage

First-Time Buyers

Mortgage Pre-Approval vs. Pre-Qualification

Why the difference matters when you make an offer.

Best Austin Suburbs for First-Time Home Buyers in 2026 | Wise Capital Mortgage

First-Time Buyers

Best Austin Suburbs for First-Time Home Buyers in 2026

Round Rock, Kyle, Buda, Cedar Park, Georgetown and more.

How to Build a Rental Portfolio: Using DSCR Loans to Scale | Wise Capital Mortgage

How to Build a Rental Portfolio: Using DSCR Loans to Scale

Removing the financed-property ceiling with DSCR loans.

Buying a Fixer-Upper in Austin: Renovation Financing Options Compared | Wise Capital Mortgage

Buying a Fixer-Upper in Austin: Renovation Loan Options

Hard money, cash, or conventional — compared.

For Real Estate Investors

DSCR Mortgage Rates in 2026: What Investors Are Actually Paying | Wise Capital Mortgage

DSCR Mortgage Rates in 2026: What Investors Are Actually Paying

Current pricing ranges and what moves your rate.

The DSCR Doctor holding a stethoscope to a lender term sheet, diagnosing which DSCR quote is actually the best one

How to Pick the Best DSCR Lender

The 7 things that actually separate DSCR lenders, beyond the rate.

Investment Property Mortgage Rates vs. Primary Home Rates | Wise Capital Mortgage

Investment Property vs. Primary Home Mortgage Rates

Why the rate gap exists and how to narrow it.

Single-family rental property exterior — rental property loans | Wise Capital Mortgage, Austin TX

Rental Property Loans: A Complete Financing Guide

Conventional, DSCR, bank statement and hard money compared.

Airbnb and Short-Term Rental Loans: Financing a Vacation Rental Property | Wise Capital Mortgage

Airbnb & Short-Term Rental Loans

How to finance a vacation rental the right way.

How Many Investment Properties Can You Finance? | Wise Capital Mortgage

How Many Investment Properties Can You Finance?

Conventional limits vs. DSCR's unlimited scaling.

DSCR Loan Down Payment: How Much You Actually Need to Put Down | Wise Capital Mortgage

DSCR Loan Down Payment: How Much You Need

Typical ranges and what pushes them higher or lower.

Blanket Loans Explained: Financing Multiple Rental Properties Under One Mortgage | Wise Capital Mortgage

Blanket Loans Explained

Financing multiple rentals under one mortgage.

No Income Verification Investment Property Loans: How They Work | Wise Capital Mortgage

No Income Verification Investment Property Loans

DSCR, asset depletion and bank statement options.

1031 Exchange Financing: Using a DSCR Loan to Complete Your Exchange | Wise Capital Mortgage

1031 Exchange Financing with a DSCR Loan

Closing on time within your 45/180-day windows.

LLC operating agreement beside an investment property model — LLC mortgage loans | Wise Capital Mortgage

LLC Mortgage Loans for Investment Property

Financing in a business name and what changes.

Creative Financing Explained

Educational overviews of structures active in the Texas market. Wise Capital Mortgage does not originate or facilitate these transactions.

Signing a real estate contract — mortgage wrap vs subject-to vs assumption | Wise Capital Mortgage

Creative Finance

Mortgage Wrap vs. Subject-To vs. Assumable Loan

The one question that separates all three, side by side.

Handshake at closing with two sets of keys — what is a mortgage wrap | Wise Capital Mortgage

Creative Finance

What Is a Mortgage Wrap?

How wraparound mortgages work, and the two risks that define them.

Home with a sold sign — what is a subject-to real estate transaction | Wise Capital Mortgage

Creative Finance

What Is a Subject-To Transaction?

Buyer takes the deed, seller keeps the loan — and the liability.

Seller handing house keys to a buyer — what is owner financing | Wise Capital Mortgage

Creative Finance

What Is Owner Financing?

Seller-carried notes, and why "free and clear" changes everything.

Traditional bank building — do you need a bank loan or a mortgage broker | Wise Capital Mortgage

Financing Basics

Do You Have to Use a Bank Every Time?

Banks, direct lenders and brokers are not the same thing.

Buying Basics

Austin apartments beside a single-family home — rent vs buy in Austin | Wise Capital Mortgage

First-Time Buyers

Rent vs. Buy in Austin: Which Makes More Sense in 2026?

Break-even math, the true cost of ownership, and when renting is the smarter call.

FHA 3.5% down vs conventional 3% down comparison | Wise Capital Mortgage

Loan Comparison

FHA 3.5% Down vs. Conventional 3% Down

Mortgage insurance — not the down payment — decides this one.

Loan Programs

HOMEFRONT, Wise Capital Mortgage's first-time and conventional home buyer hero, standing before a two-story suburban home at golden hour

Conventional Loans Explained: Rates, Down Payments and 2026 Requirements

2026's conforming loan limit hits $832,750. Down payment tiers, credit minimums and rates, explained plainly.

HOMEFRONT, Wise Capital Mortgage's first-time home buyer hero, in front of a modest starter home at sunrise

FHA Loan Requirements 2026: Credit, Down Payment and MIP Explained

Still 580 credit and 3.5% down in 2026. The full score, DTI and mortgage insurance breakdown.

HOMEFRONT, Wise Capital Mortgage's home buyer hero, standing beside a home with an American flag on the porch

VA Loan Requirements: Eligibility, Entitlement and the Funding Fee

0% down, no monthly PMI. Full eligibility, credit and funding fee requirements for 2026.

THE RATE SLAYER, Wise Capital Mortgage's refinance hero, breaking a chain of high interest rates

When to Refinance Your Mortgage

Closing costs divided by monthly savings. The break-even math before you refinance.

HOMEFRONT, Wise Capital Mortgage's home buyer hero, reviewing a pre-approval file at his desk

Purchase Process

The Mortgage Pre-Approval Process

What lenders verify, and how to strengthen your offer letter.

HOMEFRONT, Wise Capital Mortgage's home buyer hero, standing in front of a rural Texas home

USDA Loan Requirements: Income Limits, Eligible Areas and How It Works

0% down for eligible rural and suburban areas. The income limits and eligibility map, explained.

HOMEFRONT, Wise Capital Mortgage's home buyer hero, reviewing household paperwork at a kitchen table in a Texas home

USDA Income Limits 2026: How Household Size Changes Eligibility

Two income tiers, not one per household size. How deductions and extra occupants move the ceiling.

HOMEFRONT, Wise Capital Mortgage's home buyer hero, standing at a fork in a rural Texas road beneath two signposts representing two loan paths

USDA Guaranteed vs Direct Loan: What's the Difference

Private lender or USDA itself. How the income tiers, rate structure and timeline split.

HOMEFRONT, Wise Capital Mortgage's home buyer hero, standing between two mailboxes on a rural Texas road representing a choice between two loan programs

USDA vs FHA: Which Zero-to-Low-Down Loan Costs Less

0% down beats 3.5% down, but the fee math doesn't always follow. The real cost comparison.

HOMEFRONT, Wise Capital Mortgage's home buyer hero, reviewing a closing cost worksheet at a kitchen table in a rural Texas home

USDA Loan Closing Costs and the Guarantee Fee

2-5% in ordinary closing costs, plus a 1% upfront guarantee fee most buyers finance in.

HOMEFRONT, Wise Capital Mortgage's home buyer hero, inspecting the foundation and roofline of a rural Texas home with a clipboard

USDA Property Requirements: What Can Disqualify a Home

Passing the eligibility map isn't enough. The condition, use and acreage rules that can still sink a USDA appraisal.

HOMEFRONT, Wise Capital Mortgage's home buyer hero, standing in front of a large luxury home

Jumbo Loan Requirements 2026: Credit, Reserves and Down Payment

Above $832,750. The typical credit, reserve and down payment ranges lenders use.

HOMEFRONT, Wise Capital Mortgage's home buyer hero, reviewing a rate comparison chart in front of a large luxury home at dusk

Jumbo Loan Rates vs Conventional: Why the Spread Isn't What You Think

The spread ran near zero through 2026 and flipped direction more than once. What actually moves it.

HOMEFRONT, Wise Capital Mortgage's home buyer hero, stacking coins beside a model of a large luxury home to represent down payment tiers

Jumbo Loan Down Payment: How Much Do You Really Need

10% to 20% is the common range, but loan size and property type move the real minimum.

HOMEFRONT, Wise Capital Mortgage's home buyer hero, reviewing a stack of financial statements at a desk with a large luxury home visible through the window behind him

Jumbo Loan for Self-Employed Borrowers: Alternative Documentation Options

Bank statement, P&L only and asset depletion, the three paths around standard tax-return underwriting.

CAPTAIN EQUITY, Wise Capital Mortgage's bank statement and investment loan hero, reviewing bank statements at a desk

Bank Statement Loan Requirements

Qualify on 12-24 months of deposits instead of tax returns.

HOMEFRONT, Wise Capital Mortgage's first-time home buyer hero, standing at a fork between a bank building and a row of open lender doors

Choosing a Lender

Mortgage Broker vs. Direct Lender: Which Should You Choose?

A broker shops dozens of lenders. A bank only offers its own menu. Here's the real difference.

HOMEFRONT, Wise Capital Mortgage's first-time home buyer hero, handing over a set of house keys

Choosing a Lender

Best Mortgage Lender for First-Time Homebuyers

Program access, DPA compatibility and pre-approval accuracy, not the lowest advertised rate.

HOMEFRONT, Wise Capital Mortgage's first-time home buyer hero, comparing several rate quotes side by side

Choosing a Lender

How to Actually Find the Lowest Mortgage Rate

The advertised rate and your real quote are rarely the same number. Here's why.

HOMEFRONT, Wise Capital Mortgage's first-time home buyer hero, checking items off a list on a clipboard

Choosing a Lender

Questions to Ask a Mortgage Lender Before You Choose One

The direct checklist: rate, fees, timeline, compensation and the questions that expose a weak fit.

HOMEFRONT, Wise Capital Mortgage's first-time home buyer hero, reviewing a mortgage insurance statement at a kitchen table

FHA Mortgage Insurance (MIP) Explained: Upfront, Annual and How to Drop It

1.75% upfront, plus an annual premium most borrowers never see broken out by LTV. The full schedule and how to remove it.

HOMEFRONT, Wise Capital Mortgage's first-time home buyer hero, holding a map of Texas counties in front of a row of homes

2026 FHA Loan Limits by Texas County

$541,287 in most counties, $571,550 around Austin. The county-by-county breakdown.

HOMEFRONT, Wise Capital Mortgage's first-time and conventional home buyer hero, reviewing down payment options with a young couple at a kitchen table

Conventional Loan Down Payment Options: 3% vs 20% and When PMI Makes Sense

3% gets you in sooner with PMI. 20% removes it from day one. The break-even math that decides which wins.

HOMEFRONT, Wise Capital Mortgage's first-time home buyer hero, standing beside a fixer-upper home with scaffolding and renovation materials

FHA 203(k) Renovation Loan: Buying a Fixer-Upper With One Loan

Up to $75,000 in repairs rolled into one mortgage. How Limited and Standard 203(k) differ, and who qualifies.

HOMEFRONT, Wise Capital Mortgage's first-time home buyer hero, reviewing paperwork at a desk with a calendar in the background

FHA Loan After Bankruptcy or Foreclosure: Waiting Periods Explained

2 years after Chapter 7, 3 after foreclosure, sometimes sooner. The exact waiting periods and the exception that shortens them.

HOMEFRONT, Wise Capital Mortgage's first-time home buyer hero, reviewing a refinance paperwork folder with a homeowner on their front porch

FHA Streamline Refinance: How It Works and Who Qualifies

No appraisal, often no credit pull. The net tangible benefit test and 210-day seasoning rule that decide who actually qualifies.

HOMEFRONT, Wise Capital Mortgage's first-time and conventional home buyer hero, reviewing a mortgage statement with a homeowner at a kitchen table

How to Remove PMI From a Conventional Loan

PMI comes off automatically at 78% LTV. The exact steps to drop it sooner at 80%, through an appraisal, or by refinancing.

HOMEFRONT, Wise Capital Mortgage's first-time and conventional home buyer hero, standing before a map of Texas counties at golden hour

2026 Conforming Loan Limits by Texas County

$832,750 in every single Texas county. Why the conforming limit doesn't vary the way FHA's does.

HOMEFRONT, Wise Capital Mortgage's home buyer hero, standing beside a ledger of stacked savings tiers in front of a large luxury home

Jumbo Loan Reserve Requirements: How Many Months Lenders Want

Six to twelve months of PITI is typical, more above $2 million. What counts as a reserve and how the tiers work.

HOMEFRONT, Wise Capital Mortgage's home buyer hero, standing beside a tall stack of coins and financial ledgers transforming into a glowing income chart, with a large home in the background

Asset Depletion Loans: Qualifying for a Jumbo Without W-2 Income

No paycheck, no tax return. How lenders turn retirement accounts and investments into qualifying income instead.

HOMEFRONT, Wise Capital Mortgage's first-time home buyer hero, standing in front of a manufactured home on a landscaped Texas lot

FHA Loan for Manufactured and Mobile Homes in Texas

3.5% down works on a manufactured home too, if it clears the foundation and titling rules. What qualifies and what doesn't.

HOMEFRONT, Wise Capital Mortgage's first-time home buyer hero, reviewing a home inspection checklist on the porch of a Texas starter home

FHA Appraisal Requirements: What Inspectors Flag

Roof, electrical, peeling paint, missing handrails. The exact items HUD requires an appraiser to flag before closing.

HOMEFRONT, Wise Capital Mortgage's purchase loan hero, reviewing a closing disclosure with a veteran homebuyer at a kitchen table

VA Funding Fee Explained: 2026 Rates and Who's Exempt

1.25% to 3.3% of the loan amount, unless you're exempt. How to verify your fee and claim a refund if a disability rating comes through late.

HOMEFRONT, Wise Capital Mortgage's purchase loan hero, standing between two paths outside a Texas home representing a VA loan and a conventional loan

VA Loan vs Conventional: When Zero Down Beats a Bigger Down Payment

0% down with a one-time fee, or a bigger down payment with monthly PMI. Which one actually costs less depends on the numbers.

HOMEFRONT, Wise Capital Mortgage's VA loan hero, reviewing a loan timeline with a veteran homeowner on a porch

VA Streamline Refinance (IRRRL) Explained

The 210-day, six-payment seasoning clock, the occupancy rule, and what closing actually looks like for a VA IRRRL.

HOMEFRONT, Wise Capital Mortgage's VA loan hero, standing between two house keys representing a veteran's first and second VA loan

Second-Tier VA Entitlement: Using Your VA Loan More Than Once

Keep loan one and buy again, or sell and restore full entitlement first. The funding fee and DTI math that decides it.

HOMEFRONT, Wise Capital Mortgage's VA loan hero, standing before a large two-story home set back from the street at dusk

VA Jumbo Loans: Financing Above the Conforming Limit With No Down Payment

Full entitlement still means 0% down above $832,750. What changes is the lender's file, not a government loan limit.

CAPTAIN EQUITY, Wise Capital Mortgage's bank statement and investment loan hero, counting through a stack of bank statements at a desk

How Many Months of Bank Statements Do You Need for a Mortgage

Most programs count 12 or 24 months of deposits. Which one fits depends on how your income moved, not which sounds easier.

HOMEFRONT, Wise Capital Mortgage's first-time and conventional home buyer hero, standing before a lakeside second home at sunset

Conventional Loan for a Second Home: Requirements and Rate Differences

10% down, not 3%. The occupancy rules, reserve requirements and pricing gap that separate a second home from a primary residence.

CAPTAIN EQUITY, Wise Capital Mortgage's bank statement and investment loan hero, standing between two illuminated ledgers representing personal income and rental income

Bank Statement Loan vs DSCR Loan: Which One Fits Your Situation

One qualifies you. The other qualifies the property. The occupancy question that decides which program actually applies.

CAPTAIN EQUITY, Wise Capital Mortgage's bank statement and investment loan hero, reviewing a stack of 1099 tax forms at a desk

1099 Mortgage Loans: Qualifying on Contractor Income

A much smaller expense factor than a bank statement loan. Who actually comes out ahead qualifying straight off 1099 forms.

CAPTAIN EQUITY, Wise Capital Mortgage's bank statement and investment loan hero, reviewing a profit and loss statement at a desk

P&L Only Mortgage Loans: Qualifying Without Bank Statements

One CPA-signed document, no bank statements reviewed at all. Where this program beats a standard bank statement loan, and where it doesn't.

CAPTAIN EQUITY, Wise Capital Mortgage's bank statement and investment loan hero, standing over a pricing grid of stacked rate adjustment sheets

Bank Statement Loan Rates: What Self-Employed Borrowers Actually Pay

Credit score, down payment and statement period each move the price. The factors that set the real gap above conventional.

CAPTAIN EQUITY, Wise Capital Mortgage's bank statement and investment loan hero, stacking reserve fund ledgers beside a down payment chart

Bank Statement Loan Down Payment and Reserve Requirements

10% to 20% down plus 3 to 12 months of reserves. How credit, loan-to-value and property type move both numbers.