Live Local Act Projects Struggle To Get Fannie, Freddie, HUD On Board

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Bisnow reports that Fannie Mae, Freddie Mac and HUD have been cautious about funding affordable housing under the Live Local Act, leaving developers and investors who counted on these familiar channels in a more complicated position than they expected.

For investors and developers now facing tighter capital access on projects that once looked straightforward, the shift creates a real need for financing that does not depend on conventional agency approval. loantrust.ai works in this space directly, offering DSCR loans that qualify on property cash flow rather than personal income, bridge and new-construction programs for projects in transition, and bank-statement options for self-employed borrowers. Every file is packaged by one licensed MLO rather than routed through a call center, which means the structure of the loan is built around the specifics of the project from the start.

When government-backed funding slows, the investors who keep moving are the ones who have already arranged capital outside those queues. Having a single point of contact who understands both investor timelines and the mechanics of non-agency programs is not a marketing claim; it is the difference between a project that stalls for paperwork and one that closes on schedule.