Often there are exclusions noted, such as to MLA loans by type. If you don't see a specific type of loans the rule does apply to (that was the case in the original MLA), look for a list of excluded loans and know that everything else likely applies. The SCRA excludes some loans based on time frames, when the loan happened, when the SM was discharged or lost protections, or how long or far they were transferred to (PCS overseas or for more than 6 months), etc. The loan sounds like it is covered, but other variables could change that. You mention the intention at origination, speculative holding, commercial, plan to build on it, doesn't matter so long as origination was pre-service it would qualify for protections such as the rate and foreclosure sections.
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AndyZ CRCM
My opinions are not necessarily my employers.
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