Product Center

Mwachidule

Chosavuta kwambiri pamitundu yamapulogalamu a Non-QM.
Palibe Ndalama / Palibe Ntchito / Palibe Kubweza Misonkho.
Katundu wa Investment POKHA.

Tsatanetsatane

1) Kufikira $ 2M ngongole za ngongole;
2) Mpaka 80% LTV;
3) 660 kapena zambiri zangongole;
4) Itha kutseka m'mabungwe;
5) Palibe malire pa kuchuluka kwa katundu woperekedwa ndi ndalama;
6) SFRs, 2-4 Units, Condos, Townhomes, Condotels, ndi Non-Warrantable Condos zilipo.

DSCR ndi chiyani?

Kodi mukudziwa momwe mungayenerere ngongole yanyumba yanyumba popanda chidziwitso chantchito ndi ndalama?
Kodi simuli oyenerera ndi ngongole zanyumba zokhazikika?
Kodi mukudziwa kuti ndi pulogalamu iti yobwereketsa yomwe ili yosavuta kwambiri?
Kodi mukufuna kudziwa momwe mungagwiritsire ntchito zikalata zochepetsedwa kuti muyenerere ngongole?
Kodi ndizovuta kwambiri kuti mupeze ngongole yanyumba m'makampani anu?

Timapereka pulogalamu yabwino yobwereketsa kuti tikwaniritse zomwe zili pamwambazi, ndiyo pulogalamu ya DSCR, yomwe ndi chinthu chodziwika bwino cha Non-QM pakubwereketsa nyumba.

DSCR (Debt Service Coverage Ratio) idapangidwira osunga malo odziwa zambiri ndipo imayenereza obwereketsa kutengera ndalama zomwe zimachokera ku malo omwe akukhudzidwawo kuti aunike kuchuluka kwa chiwopsezo cha ndalama. Masiku ano, timayang'ana kwambiri pakumvetsetsa tanthauzo la DSCR ndikuwulula chinsinsi cha pulogalamu ya DSCR kuchokera pamalingaliro obwereketsa nyumba. Kenako, tiyeni tiyende mu pulogalamu ya DSCR.

Momwe mungawerengere DSCR?

Pa ngongole zanyumba, DSCR imatanthawuza chiŵerengero cha ndalama zobwereka mwezi uliwonse za nyumba yosungiramo ndalama ku ndalama zonse za nyumba (monga wamkulu, chiwongoladzanja, msonkho wa malo, inshuwalansi ndi kasamalidwe ka ndalama (ngati ndalama zina sizinawonongedwe, zidzalembedwa ngati 0)). Chiŵerengerocho chikatsika, chiwopsezo cha ngongole chimakhala chachikulu. Itha kufotokozedwa motere:

Timapereka "Palibe chiŵerengero cha DSCR" kwa makasitomala athu, kutanthauza kuti chiŵerengerocho chikhoza kutsika mpaka "0".

Ubwino wa DSCR

Palibe chiŵerengero cha DSCR, chinthu chobwereketsa chomwe sichimatsimikizira ndalama zomwe amapeza, zilibe zofunikira pa ndalama za wobwereka, chifukwa ngongoleyi siyikuphatikiza kuwerengera kwa DTI. Ndipo chiwerengero chochepa cha DSCR chikhoza kukhala chochepa mpaka 0. Ngakhale lendi ya nyumbayo ili yochepa, tikhoza kutero! Ichi ndi chisankho chabwino kwa wobwereka yemwe ali ndi ndalama zochepa kapena ngongole zambiri.

Kupatula apo, Anthu Akunja ndi ovomerezeka pa pulogalamuyi, makamaka ndi visa ya F1. Ngati ndinu mlendo, ndipo simungakwanitse kubwereketsa ngongole yanyumba, tilankhule nafe kuti mupeze momwe mungabwereke ngongole.

Malangizo athu ndi osinthika ndipo ngati ngongole yanu ili yomveka, tikuthandizani kuti mutseke mwachangu. Tili ndi kulumikizana kwabwino komanso ndalama zomwe timapeza mwachangu pakubwereketsa kwa Non-QM, lemberani ngati mukufuna.