Hopefully it is helpfulAre these conventional residential home loans that allowed a SFR with ADU to be appraised via net income? 

Looking to refi this property to a longer fixed term with lower rate, like conventional. 

Especially if people don’t go the virtual convention path. 

Conventional loans / refi's are still flowing and I suspect the fed will do everything it can to keep that the case. 

We are still closing loans on your government type deals, FHA, VA, USDA, Conventional all those types of loans. 

Lending has changed dramatically, from HM lenders especially, but conventional has as well.

Lowest down payment available for a conventional loan investment property is 15%, but with a very high interest rate.

We are seeing that the change in FHA criteria has impacted one of our buyers and even though the house was under contract when the changes in FHA loans came into play, the buyer could not get approved as a conventional buyer.

Conventional 30 year fixed rate mortgage.

@Derek Hedgespeth I was able to take out a conventional loan.