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Owner / occupier buying single family home or condo.

Credit rating Loan to Value Interest rate 
A+. 
No 30 day late last 12 mths
 FICO=680+		 95% 11.00%
85-94 10.50
75-84 10.00
A
1 30 day late last 12 mths.
FICO=660-680		 95% 11.10
85-94 10.60
75-84 10.10
A-
2 30 day late last 12 mths.
FICO= 640-660		 95% 11.25
85-94 10.75
75-84 10.25
B+
3 30 day late last 12 mths.
FICO=620=640		 90% 11.40
85-89 10.90
75-84 10.40
B
4 30 day late last 12 mths.
FICO= 600-620		 90% 11.55
85-89 11.05
75-84 10.55
C
60 day lates last 12 mths.
FICO=520-600		 90 (if property needs work) 11.70
85-89 11.20
75-84 10.70

As you can see, the lower the cash investment and the lower the credit score, the worse the credit class of the borrower and the higher the interest rate you should charge.

Remember, the above are guides only. Never let anyone tell you how to invest your money. As a practical matter, if someone has put up 10% of their own money to buy your property it is very unlikely the loan will default. There are exceptions. In Texas some years ago, homes fell in value by 40% and thousands of home owners gave their homes to the bank or were foreclosed.

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