Mar 18, 2020 Congress mulls massive coronavirus bailout 01:56. The Federal Housing Finance Agency said it's ordering Fannie Mae and Freddie Mac to suspend foreclosures and evictions for at least 60 days. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455. If you have general questions or comments about Multifamily foreclosure or HUD-Owned property sales, read Multifamily Real Estate for Sale or write our sales webmaster. If you have questions or comments about Multifamily Asset and Healthcare Loan sales, please contact: Marlene Robinson or John Lucey. Secretary of HUD.
Freddie Mac Insured Loans for Section 8 Housing Assistance Program Project-Based Contract or Tenant-Based Voucher Properties
The Canadian regulatory environment is just as cloudy Best Mac Poker Hud as the United States, and in fact, in some ways, it is even more confusing. When all the changes happened in the U.S., many professional real money gamblers moved to Canada to take advantage of staying in the same time zones but being able to keep playing at their favorite sites. HUD establishes a scope of work for the direct technical assistance project in cooperation with the BBC Partner and then retains TA providers to provide off-site support. Further, owners/managers of HUD-assisted multifamily housing that are BBC partners may request up to $4 per unit per month in the form of a Management Add-On Fee to support.
Owning and operating Section 8 properties can be both challenging and incredibly financially rewarding-- and, if you're an investor or developer who's ready to expand your portfolio of affordable properties, a Freddie Mac HUD Section 8 Loan could be the perfect solution. Freddie Mac's HUD Section 8 financing program offers 10-30 year loan terms for LIHTC properties, and 5-15 year loan terms for non-LIHTC properties. Plus, these loans have maximum LTV allowances of up to 90% and minimum DSCR requirements of as low as 1.15x (for LIHTC properties), and up to 80% maximum LTV allowances and as low as 1.20x DSCR (for non-LIHTC properties.) Freddie Mac HUD Section 8 Loans are also non-recourse and are available for eligible mixed-use properties.
To learn more, check out Freddie Mac’s official HUD Section 8 Financing Product Sheet or keep reading below for an in-depth explanation of the Freddie Mac HUD Section 8 Loan program.
Sample Freddie Mac Terms For HUD Section 8 Loans
Terms: 5-year minimum, 15-year maximum for cash loans, 10-year minimum, 30-year maximum for tax-exempt financing
Amortization: Up to 30 years for cash loans, up to 35 years for tax-exempt financing
Maximum LTV: 80% for non-Low-Income Housing Tax Credit (LIHTC) properties, 90% for LIHTC properties
Properties with Section 8 Housing Assistance Program (HAP) contracts in above average markets, with physical vacancies of 5% or less: 1.20x
Properties with new LIHTC credits: 1.15x
Some excess rent may be underwritten for above market long-term LIHTC contracts
Prepayment Options: Defeasance for non-LIHTC properties, yield maintenance for LIHTC properties
Eligible Borrowers: Need previous Section 8 ownership/management experience
Eligible Properties: High-rise properties, mid-rise properties, and garden apartment properties. Must have a Section 8 project-based contract or voucher.
Cash loans with Section 8 project-based contracts: Targeted Affordable Housing (TAH) and Freddie Mac Multifamily Approved Conventional Sellers
Cash loans with Section 8 tenant based vouchers: Freddie Mac Multifamily Approved Conventional Sellers
Tax-exempt financing: TAH Sellers only
Section 8 Subsidies:
Eligible Section 8 subsidies include:
Project-based subsidies: Rental assistance tied to a specific property. Properties get cash payments determined by the number of tenants living in eligible units.
Tenant Based subsidies: Rental assistance tied to a specific tenant, not a specific property. Properties get cash payments determined by the number of qualifying occupants-- i.e. those with vouchers. Vouchers include:
Regular vouchers: Most vouchers are regular vouchers, which limit payments to HUD's fair market rent in the particular area where the property is located.
Enhanced vouchers: Enhanced Section 8 vouchers are provided to tenants living in properties that used to receive project-based subsidies, including properties where the owner has either determined to leave the Section 8 program, or has prepaid their government-insured mortgage. For tenants living in these properties, enhanced vouchers help them pay for rent increases-- which means these vouchers are typically based on the actual rent of the property.
Subordinate Financing: Permitted with additional requirements and analysis
Very competitive interest rates
Loans are non-recourse
Certain mixed-use properties are eligible
Typically requires third-party reports, including appraisal, Phase I Environmental Assessment, and physical condition assessment
Requires application fees, commitment fees, and other fees
For example, what percentage of hands they play, how often they call on the flop, how much they go to showdown and much, much more.
This allows you to understand the player type you are up against, put them on a range of hands, figure out when to bet, raise and fold against them and let's you know if you can bluff them or not.
All of this information is extremely useful especially when you are multi-tabling online poker or if you play Zoom. It allows you to keep track of dozens of opponents all at the same time and get precise reads.
As a 10+ year professional poker player I believe using a good HUD is essential to your success in online poker. And the HUD that I use is also the #1 HUD used by other pros as well.
In this article I am going to reveal the best free poker HUD for 2020.
Best Free Poker HUD for 2020
Now let me start by saying that the idea of a totally free poker HUD is just silly. These are highly sophisticated programs that take years of development and an entire software team in place to create.
They also require constant software updates as online poker sites change their software. And a customer service team in place to help you with any tech issues you may have.
So if you want to find a poker HUD that is actually going to help you succeed in online poker in 2020, then there is no way that it is going to be completely free!
The best poker HUD for 2020 is PokerTracker. And it really isn't even close. This is also the poker HUD that I have personally relied on for nearly a decade now as an online poker pro.
Many people do not realize that PokerTracker actually does have a 30 day free trial version allowing you to test out the powerful capabilities of this poker tracking software and HUD.
There is a reason why PokerTracker is still by far the #1 poker HUD choice for poker pros in 2020. Here is a look at my screen while I use the PokerTracker HUD on PokerStars.
You can see how it gives me detailed information on each one of my opponents. All of these numbers refer to stuff like how many hands they play, how often they bet the flop and so on.
PokerTracker also has the most HUD stats and filters for plugging your leaks of any poker tracking program available on the market today.
Lastly, PokerTracker is the only free poker HUD out there that is available for both Mac and Windows based computers.
You can download the free trial of PokerTracker right here.
Best Free Poker HUD for 2020 - What Can PokerTracker Do For You?
As a poker pro I use PokerTracker 4 every single day both at the poker tables and away from them. Regarding the HUD, I pretty much always have this on when playing online poker.
My poker HUD allows me to always have information available on my opponents right on my poker table, such as:
- Percentage of hands that they play
- Percentage of hands that they raise with
- Percentage of the time they raise the flop
- Percentage of the time they go to showdown
And so much more. This information is absolutely invaluable in helping me form my game-plan and strategy against them at the poker tables.
For example, Player A goes to showdown too much, I don't want to bluff him. But Player B rarely goes to showdown, I want to bluff him!
And the best thing about the free PokerTracker HUD is you can set up the entire thing in less than 5 minutes. I even made a video showing you how.
Bottom line, if you take online poker seriously then you should at least try using the free PokerTracker HUD and see if it helps you. For me, as a poker pro, I do not play without it.
You can download the free trial of the PokerTracker HUD right here.
What Else Can This Free Poker HUD Do?
The other thing that many people fail to realize about PokerTracker is that the best feature of it is the ability to find your own leaks at the poker table and then plug them.
For me personally, as a poker pro, this has saved me tens of thousands of dollars over the years. I also use PokerTracker to study my opponents away from the tables in order to create the best strategies to beat them.
Now how do I do all this?
Well, this is where the back-end filters inside PokerTracker help you. In order to use them just open up the Cash Filters box (or Tournament Filters box if you play tournaments), as shown below.
After that choose Actions and Opportunities and go ahead and filter for any scenario possible. For example, maybe playing Ace King in the blinds is giving you trouble?
Just filter for all hands where you played Ace King from the blinds and you will be able to see your wins and losses and replay all the hands as well.
This allows you to find out why you might be losing in this situation. You can also use the PokerTracker LeakFinder to assist you in this.
I conjunction with PokerTracker I also recommend that you start learning some advanced poker strategy so that you understand how to beat good players.
You need to know the advanced math, game theory and exploitative strategy to consistently win especially as you move up the stakes.
The #1 Poker HUD Used By Pros in 2020
Another one of my favorite things to do is study my opponents in order to create the strategies to beat them. You can just load up the My Reports tab in PokerTracker and then study their hands and run filters as well.
I often improve my own game by simply studying the best players in my games and just copying their strategies!
Look, there is absolutely no shame in this. Clearly, what they are doing is working because they are winning big. Just learn the poker strategies they are using incorporate it into your own game.
PokerTracker allows you to do all this and more. This is why it is my #1 recommended free poker HUD and tracking software for 2020 online poker games.
Lastly, the ability to keep track of all your results and even graph them as well is another great feature of PokerTracker.
And the PokerTracker 4 graph also allows you to see your red line (non-showdown winnings) as well. This is crucial in letting you know if you are bluffing too much or too little.
Once again, there is a reason why PokerTracker is consistently voted as the #1 HUD by online poker pros in 2020. This is the best poker tracking software available today.
You can download the free trial of the PokerTracker 4 HUD right here.
By the way, I should mention that while PokerTracker is my #1 recommended poker software tool (available for both Windows and Mac at the link above), it is not the only piece of poker software that I use.
For the full list of all the poker software tools that I use as an online poker pro in 2020, click here.
If you take online poker seriously then it is necessary that you use a tracking program and HUD in my opinion. There are many free poker HUDs available these days but by far the best one (and the choice of most poker pros) is PokerTracker.
If you play Zoom poker in particular (or if you multi-table), PokerTracker is by far the best HUD out there because it allows you to easily keep track of all your opponents.
I have personally been using the PokerTracker 4 HUD for nearly 10 years now as a pro since it was first released.
Best Hud For Mac
And the reason why is because PokerTracker 4 has the best HUD available for online poker with the most statistics that is also the easiest to setup on your poker tables.
PokerTracker also has the best back-end database and filters of any poker tracking program that I have ever seen.
This allows you to not only study your own game, find your leaks and plug them, but also to study all of your opponents in PokerTracker as well.
One of my favorite things to do is study the biggest winners in my own poker games and simply copy some of the strategies that they are using!
Bottom line, if you take online poker seriously in 2020 then you owe it to yourself to get a good poker HUD.
To download the free trial version of the PokerTracker HUD right now, click here.
Let me know in the comments below what free poker HUD you use at the poker tables.
And if you want to know the poker strategies that I use as a pro, then make sure you also pick up a copy of my free poker cheat sheet.
Please note that the links in this article are affiliate links. This means that at no cost to you I may earn a small commission if you choose to purchase the full version of PokerTracker.