Looking for equity loan in NY

[Derek Gendig]

**Asking for a family member**

My Aunt owns a MFH free and clear in Maspeth NY.  She recently applied for and was approved by the lender for an equity loan on the home but ultimately the loan was denied by the underwriter because the home is showing as a MFH but the city cannot locate the certificate of occupancy for the upstairs unit.  The home was appraised for $800,000.  How has 2 occupied units.  Here are the details:

Requested Loan amount - 100,000

Loan type - Equity loan - 30 years

Credit score - 615

Rent 1st floor - 800.00 monthly - 2 of my children live here.

Rent 2nd floor - 1750.00 monthly

Income SSI - 3240.00 monthly

Income pension - 248.00 monthly

She has asked if I would post this to see if anyone on here might have any helpful suggestions or be interested in lending on the property.  Thank you in advance.