Not every property fits a non-recourse loan the same way. This checker tells you, by property type, how a deal generally lines up against our 70% LTV / 1.25 DSCR baseline -- and where a type is restricted or conditional.

It is the fastest way to know whether a single-family rental, a 2-4 unit, a short-term rental, mixed use, commercial, land, or agricultural property is a clean fit or a conversation worth having.

How it works

1. Choose the property type you are evaluating.
2. Check the property against our baseline.
3. Read the type-specific guidance -- core, conditional, or restricted.
4. Apply to confirm specifics with a loan officer.

Why it matters

Property type drives both eligibility and pricing in non-recourse lending. Core types like single-family and small multifamily move quickly at standard terms; short-term rentals, mixed use, and commercial carry extra documentation or tighter leverage; land and agricultural are restricted to limited programs.

Knowing the lane up front keeps your offer realistic and avoids surprises in underwriting -- especially when a retirement account is the borrower and the asset is the lender's only recourse.

How to read your result

Qualifies means the type sits inside our standard lane at the 70% LTV / 1.25 DSCR baseline. Conditional means it is lendable but depends on specifics -- income documentation, the residential / commercial split, or program fit.

Restricted (land, agricultural) means limited programs apply, not that the door is closed. Every type routes to a specialist because exceptions and program nuances are decided file by file. This is general guidance, not a commitment to lend.

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Frequently asked questions

Estimates only -- not a commitment to lend; subject to full underwriting.