diff --git a/src/app/products/loan-products/loan-product-stepper/loan-product-capitalized-income-step/loan-product-deferred-income-recognition-step.component.ts b/src/app/products/loan-products/loan-product-stepper/loan-product-capitalized-income-step/loan-product-deferred-income-recognition-step.component.ts
index 45cc0ef18..922fcca25 100644
--- a/src/app/products/loan-products/loan-product-stepper/loan-product-capitalized-income-step/loan-product-deferred-income-recognition-step.component.ts
+++ b/src/app/products/loan-products/loan-product-stepper/loan-product-capitalized-income-step/loan-product-deferred-income-recognition-step.component.ts
@@ -90,7 +90,7 @@ export class LoanProductDeferredIncomeRecognitionStepComponent implements OnChan
 
   ngOnChanges(changes: SimpleChanges): void {
     this.enableIncomeCapitalization = this.deferredIncomeRecognition.capitalizedIncome
-      ? this.deferredIncomeRecognition.capitalizedIncome.enableIncomeCapitalization
+      ? this.deferredIncomeRecognition.capitalizedIncome?.enableIncomeCapitalization
       : false;
     this.enableBuyDownFee = this.deferredIncomeRecognition.buyDownFee
       ? this.deferredIncomeRecognition.buyDownFee.enableBuyDownFee
@@ -99,9 +99,9 @@ export class LoanProductDeferredIncomeRecognitionStepComponent implements OnChan
       this.loanDeferredIncomeRecognitionForm.patchValue({
         enableIncomeCapitalization: this.enableIncomeCapitalization,
         capitalizedIncomeCalculationType:
-          this.deferredIncomeRecognition.capitalizedIncome.capitalizedIncomeCalculationType,
-        capitalizedIncomeStrategy: this.deferredIncomeRecognition.capitalizedIncome.capitalizedIncomeStrategy,
-        capitalizedIncomeType: this.deferredIncomeRecognition.capitalizedIncome.capitalizedIncomeType
+          this.deferredIncomeRecognition.capitalizedIncome?.capitalizedIncomeCalculationType,
+        capitalizedIncomeStrategy: this.deferredIncomeRecognition.capitalizedIncome?.capitalizedIncomeStrategy,
+        capitalizedIncomeType: this.deferredIncomeRecognition.capitalizedIncome?.capitalizedIncomeType
       });
     }
     if (this.enableBuyDownFee) {