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All Forum Posts by: James Smith

James Smith has started 1 posts and replied 2 times.

First-Time Home Buyer

Post: FHA Self Sufficiency Test Question

James SmithPosted
  • Posts 2
  • Votes 0
Quote from @Matthew Kwan:

The appraiser will use the market rent values as the lease agreements from the tenant will not be influenced by it. In order to pass or qualify the SS test, the subject property will need to be 3-4 units by using FHA. The gross market rent of 75% has to be more or equal to the projected monthly mortgage payment (PITI) @Albert Bui @Carlos Valencia

Hey @Matthew Kwan thanks for the response! To clarify, this applies to both scenarios whether Month to Month or TAW, correct?

0 Votes
First-Time Home Buyer

Post: FHA Self Sufficiency Test Question

James SmithPosted
  • Posts 2
  • Votes 0

Ive received conflicting guidance and just want to confirm...

For the self sufficiency test, 

If a tenant has a month to month lease, will the appraiser use fair market rent values instead?

If a tenant has an expired lease/no current lease/tenant at will, will the appraiser use fair market rent values instead?

0 Votes