If in fact High risk is necessary then NMI is the most common gateway. Be careful they require a rolling reserve and can require multiple buckets capped at a ce

If in fact High risk is necessary then NMI is the most common gateway. Be careful they require a rolling reserve and can require multiple buckets capped at a certain amount, commonly 50k / month. We write a few a high risk accounts per month. As a matter of fact I just had a call center run across my desk a few hours ago. Exhaust all underwriting options as each processor has a different risk tolerance. For instance this call center is now using NMI and a rolling reserve, I've found another processor (one of the big 5) that will not fall under the High Risk thus saving a boat load not to mention negating the accounting nightmare that comes with rolling reserves and high risk processing.