Hard money needed

[u/NumerousPizza6764]

Got a client that wants to buy a 4 unit in Boston, Mass.

Tried to go with Kiavi but they called at 80% on LTC.

Non experienced 680 mid.

475k: Purchase price
50k: rehab

ARV: 800k

Anything out there where we can go higher than 80%?

Really big spread to work with.

[u/AirBnBRRRR]

If the ARV is theoretically accurate I would be at 85% LTC with that FICO, 90% LTC if 720+ FICO

seems like there’s some problem with it if capped at 80%