HUD data

2026 HUD Income Limits

Pick a state to see every county's 30% / 50% / 80% AMI income limits — the same numbers HUD publishes for Section 8 eligibility and LIHTC compliance.

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Income Limits by state

Every state where we serve investors. Each page pulls live from HUD's Income Limits API and lists Very Low, Extremely Low, and Low Income thresholds by household size (1–8 persons). Lending is licensed in Florida and Colorado; LLC business-purpose loans in other states where permitted.

Pricing a LIHTC or Section 8 acquisition?

Send the county and unit mix — we'll DSCR-underwrite against HUD FMR and confirm tenant income eligibility against these AMI thresholds.

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Credit & pre-approval

Why we pull credit for your investor loan pre-approval

Every DSCR / business-purpose loan file needs a tri-merge credit report so we can verify identity, price your rate tier accurately, and confirm reserves and payment history for the underwriter. Cleaner credit typically unlocks a better rate and higher leverage.

Pay for your credit report — SmartPay

Simply Approved Mortgages uses MeridianLink SmartPay to securely collect the credit report fee for your investor pre-approval. Payment goes directly to the credit vendor — not to us — and unlocks your tri-merge report (Equifax, Experian, TransUnion) so your loan officer can price your file.

Secure, PCI-compliant checkout hosted by MeridianLink
Required for a formal investor pre-approval decision
Soft-touch process — your loan officer will guide you through it

Pay for credit report securely

You'll be redirected to cic.cra.xedalink.net (SmartPay).

Check your credit first — $1 trial at MyITINCredit

Before you apply, it's smart to know exactly where your credit stands. MyITINCredit offers a $1 trial for 15 days that includes all three credit reports and scores (Equifax, Experian, TransUnion), plus ongoing credit monitoring so you can catch errors, dispute inaccuracies, and watch for identity theft.

See all 3 bureau reports & scores before your lender does
Ongoing monitoring alerts you to new accounts or score changes
Fix errors early — cleaner credit can widen your investor loan options

Start $1 / 15-day trial

You'll be redirected to myitincredit.com. Third-party service — terms apply.

Credit report fees are paid directly to the credit vendor. Simply Approved Mortgages does not profit from the credit pull. MyITINCredit is an independent third-party service; pricing, terms, and features are set by that provider.

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Market data notes

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