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A borrower buys an investment property for $300,000 with a conventional loan at 75% LTV. What is Fannie Mae's maximum interested party contribution?
For an investment property, Fannie Mae caps interested party contributions at 2% of the lesser of the sales price or appraised value, whatever the LTV (Fannie Mae Selling Guide B3-4.1-02, as at 11 Oct 2026). 2% x $300,000 = $6,000. $27,000 applies the 9% cap that is only for principal residences and second homes at 75% LTV or less. Source: Fannie Mae Selling Guide B3-4.1-02 (as at 11 Oct 2026).
Applying the owner-occupied 9% tier to an investment property.
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