- Are you looking to do a partial lien release without losing your incredible interest rate so that you can sell off a couple of the future townhomes and hold onto a couple?

The loan also contained a substitution of guarantee clause, as long as the substitute guarantor had a met a minimum credit score, which the builder/investor did.

Holy smokes, my hat is off to @Edward Schenkel for providing this incredible value to the BP forum.

If you have a good credit score and not much debt, you might still get a mortgage.

If you have an excellent credit score, 740+, have a DSCR ratio of 1.25, and can show reserves, you may very easily achieve a rate in the 7s. 

Despite having an 800+ credit score. 

If you have credit card debts with high rates/high balances I would focus on paying it down to 15% to 30% Max balance to credit limit ratios to lower your DTI - Debt to income ratios, increase credit scores and be in a better position to buy more properties at a lower mortgage rate.

Your feedback is incredibly valuable, and I want to assure you that we take it very seriously.Addressing Your ConcernsCustomer Service: Our priority is to provide exceptional support and build strong relationships with our partners.

I did make allowances that the numbers may vary by region but you have indicated that this is not the caseI to want help people here on BP with the HUD process and have helped scores publicly and privately. 

Personally, I've learned an incredible amount in just the last 2 months.