Section 3565.301 - Loan standardsAn 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:
(a) Borrower qualifications and creditworthiness;(b) Property, vacancy, market vacancy or collection loss;(c) Rental concessions and rent levels;(d) Tenant demand and housing supply;(e) Property operating and maintenance expense;(f) Property requirements as contained in subpart F of this part;(h) Operating and long-term capital requirements;(j) Return on borrower equity; and(k) Estimated long-term marketability of the project.