Financing for two- to four-unit properties has become difficult since the housing crisis and Laurie Goodman, codirector of the Housing Finance Policy Center, suggests the GSEs relax the loan-to-value ratios on those properties. When Fannie Mae and Freddie Mac tightened LTV requirements based on higher default rates on two- to four-unit properties, Goodman said in a new report, the GSEs may have “overcorrected." Lending for these properties was 5 to 6 percent of all single-family lending prior to 2009, said Goodman, but has since fallen to 2 to 3 percent of origination share. She blames the GSEs’ current higher loan-to-value lending requirement.