Fit-check a buyer against FHA/VA/USDA/conventional (from YOUR pasted rules)
Rung 8 of 10 · Fact-check list
1 · Learn the move · Fact-check list
Loan-program rules change, and reciting FHA or USDA limits 'from memory' is how AI hands your client a wrong, dated answer. The fact-check list flips it: you paste the current program rules and the buyer/property facts, and AI checks each criterion MET / NOT-MET / UNKNOWN against the pasted rule, quoting it. It never recites a rule, a rate, or a limit it wasn't given, and it never decides, fit is fit/no-fit/UNKNOWN for a lender to confirm. Program eligibility is about the loan and the property, never a protected characteristic of the buyer.
Fact-check my buyer + property against each loan program using ONLY the program rules I pasted. For every criterion: quote the pasted rule, mark MET / NOT-MET / UNKNOWN against my facts. Recite no rule, limit, or rate from memory; invent nothing. Output fit / no-fit / UNKNOWN per program and route the decision and rate to a lender. Not loan advice.
2 · Your turn. You write the prompt
Your buyer wants to house-hack a duplex they'll owner-occupy. Pasted buyer/property facts: primary residence, will occupy one unit; credit score 700; 5% saved for down payment; the property is a 2-unit in a metro (not rural); buyer is not a veteran. Pasted program rules (from the buyer's lender): 'FHA: owner-occupant, 2-4 units OK, min 3.5% down at 580+ score; VA: eligible veterans/service members only; USDA: rural-designated areas only, 0% down.' Write a prompt that fact-checks fit without reciting any rule you weren't given.
Remember: the AI sees only your prompt, not this page. If the situation isn't in your prompt, it doesn't exist.
Optional. These shape the output when you run your prompt below, not your score.