Securing an NDIS loan can come with specific challenges, such as meeting the higher deposit requirements, as many lenders prefer an LVR of around 80%. Another difficulty is obtaining an accurate valuation for SDA properties due to their specialised features. Additionally, lenders may undervalue rental income if they overlook the government-backed incentives tied to NDIS properties. Consulting mortgage brokers who are NDIS loan experts can help navigate these complexities.