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Valuation & Appraisal · Institutional Underwriting Standard · casenegotiator.com

Form 1025 Small Residential Income Property Appraisal Report

Bottom Line Up Front (BLUF): Form 1025 combines the physical valuation and comparable unit-by-unit market rent schedule for 2–4 unit residential investment properties (duplexes, triplexes, and fourplexes).

Underwriting Formula / Rule

Total Qualifying 2–4u Rent = Sum of Unit 1 + Unit 2 + Unit 3 + Unit 4 Market/In-Place Rents.

Wholesale Shelf Benchmark

Up to 75%–80% LTV on 2–4 unit DSCR acquisitions across 45+ wholesale shelves.

Frequently Asked Underwriting Questions

Can one unit be vacant on a 2–4 unit DSCR refinance?

Yes, most wholesale DSCR shelves apply the Form 1025 market rent to vacant rent-ready units.

Explore Related Loan Program →Test Your Scenario on Exception Desk →Open Underwriting Calculators →

Arranged by Loan Daddy LLC (NMLS #2827624 · (480) 485-1229 · quotes@loandaddy.ai). Business-purpose investment properties only.

Form 1025 Small Residential Income Property Appraisal Report — Definition, Formula & Wholesale DSCR Guidelines | casenegotiator.com