Supervisory Loan-to-Value Limits

The aggregate amount of all loans in excess of the supervisory loan-to-value limits should not exceed 100 percent of total capital.4 Moreover, within the aggregate limit, total loans for all commercial, agricultural, multifamily or other non-1-to-4 family residential properties should not exceed 30 percent of total capital. An institution will come under increased supervisory scrutiny as the total of such loans approaches these levels.

Does 1-to-4 family residential properties also fall under the 30% rule or is it just for the other categories (commercial, ag, multifamily and other non-1-to-4 family residential properties)?

Does anyone have an example of a "other non-1-to-4 family residential property that isn't a commercial, ag or multifamily loan?

Q1 - the non-1-4 family is evaluated as a separate homogenous subcategory (at least in the OCC world)

Q2 - we look at raw land held for consumer purposes as "other non-1-to-4 family property". Hunting ground, perhaps. A vacant lot. Etc.

Just my $0.02