Question: you must first compute the payment using both options to see which mortgage the subject property qualifies for ( assuming you borrow at maximum LTV,

 you must first compute the payment using both options to see
you must first compute the payment using both options to see which mortgage the subject property qualifies for (assuming you borrow at maximum LTV, and that you must meet the min DCR requirements ). If you qualify for both, choose the mortgage with the lowest EBC.

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