{"data":{"id":"us/7-cfr-3565.301","jurisdiction":"us","citation":"7 CFR 3565.301","heading":"Loan standards.","body":"An approved lender must originate and underwrite the loan and appraise the subject property in accordance with prudent lending practices and Agency criteria addressing the following factors:\n(a) Borrower qualifications and creditworthiness;\n(b) Property, vacancy, market vacancy or collection loss;\n(c) Rental concessions and rent levels;\n(d) Tenant demand and housing supply;\n(e) Property operating and maintenance expense;\n(f) Property requirements as contained in subpart F of this part;\n(g) Debt coverage ratio;\n(h) Operating and long-term capital requirements;\n(i) Loan-to-value ratio;\n(j) Return on borrower equity; and\n(k) Estimated long-term marketability of the project.","path":["Title 7—Agriculture","Subtitle B—Regulations of the Department of Agriculture","CHAPTER XXXV—RURAL HOUSING SERVICE, DEPARTMENT OF AGRICULTURE","PART 3565—GUARANTEED RURAL RENTAL HOUSING PROGRAM","Subpart G—Processing Requirements"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-7.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:01Z","sha256":"7bcbefd6926c3fd47db1116a2be26acc0695a864701d07f3d69e14043d6806eb","source_id":"us-cfr","stale":true,"prev":"us/7-cfr-3565.300","next":"us/7-cfr-3565.302"},"notice":"GroundRules: Original legal text. Not legal advice."}