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Purch, R&T Purch Purch, R&T Cash Out Cash Out Cash Out Cash Out Cash Out Units 1 2 3-4 1 1 1-4 1 2-4 1 1 2-4 Occupancy O/O O/O O/O SH 3 N/O/O 3 N/O/O O/O O/O SH 3 N/O/O 3 N/O/O Credit Score 620 620 620 620 620 620 620 620 620 620 620 DTI Ratio 50 50 50 50 50 50 50 50 50 50 50 4 Max 80% LTV when new subordinating financing exists on all loans except when using a down payment assistance program (DPA). When using a DPA 80% max LTV limit does not apply Non-occupying borrower transactions with.

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