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all that suggests an older style 6 to 18 pack, so HD or concentration risk wouldnt be an issue any IP> 90 isnt easy, this one more so. If their broker can find them a lender that relies on contract , they may be able to get to a 90 % incl MI Homeside may do it 90 % + on a good day, but...

IP loan or PPOR ? separate laundry ? ta rolf