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HOW TIGHTER MORTGAGE RULES ARE AFFECTING AFFORDABLE RENTALS

While duplex, triplex, and fourplex units play a large role in affordable housing rules put in place following the housing boom are making mortgages for these places harder to obtain.

HOW TIGHTER MORTGAGE RULES ARE AFFECTING AFFORDABLE RENTALS

Lending for affordable rentals has fallen from 5%-6% of all single-family lending to just 2%-3%, with only the best of borrowers now able to obtain a loan for a two- to four- unit building. A researcher takes a look at this credit tightening.

After looking at the data from 14 million mortgages gathered from one-, two-, three- and four-unit properties, here’s what gained from this survey:

The data shows a clear order of risk. Loans on single-unit, owner-occupied houses carried the lowest chance of default. Interestingly, investors in three- to four-unit buildings came in second, ahead of other owner-occupied properties. We attribute this to the additional cushion provided with the income from one or two more tenants.

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