{"type":"video","version":"1.0","html":"<iframe src=\"https://www.loom.com/embed/62c96fb1ab874f6dbd69cc632d444816\" frameborder=\"0\" width=\"1920\" height=\"1440\" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>","height":1440,"width":1920,"provider_name":"Loom","provider_url":"https://www.loom.com","thumbnail_height":1440,"thumbnail_width":1920,"thumbnail_url":"https://cdn.loom.com/sessions/thumbnails/62c96fb1ab874f6dbd69cc632d444816-f7af47bbee27797e.gif","duration":1572.4,"title":"RFA Alt (20/10/26)","description":"This Loom reviews RFA alternate side lending guidelines and a recently funded case study. Anna explains service timelines (underwriting 24 to 40 hours, doc fulfillment about two days), competitive rates, and an insider promotion of Pay Me More adding 20 bps and low TDS pricing as low as 4.49% on a one-year term ending on the 23rd, stacking with up to 90 bps. Key underwriting changes include updated ratios rising to 60/60, conforming versus nonconforming benchmarks using a 520 score, and examples of features like 60/60 stacking, contributor income, penalties (2% in year one, 1% in years two and three), and rental approvals. She also covers BFS assist for self-employed borrowers (12 months bank statements plus deposits support) and highlights a nonconforming example in Calgary for a retired-and-returned consultant, priced up to 65 LTV due to limited BFS."}