Key Fannie Mae / Freddie Mac Guidelines
- 2026 Charlotte conforming limit: $832,750
- PMI required below 20% down; auto-cancels at 20% of original purchase price
- Maximum 10 financed properties per borrower (DSCR has no limit)
- Primary, second home, and investment all eligible
- Gift funds allowed with donor letter and relationship documentation
- Self-employed: 2-year average of net income from tax returns
Full Charlotte conventional loan guide
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