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Mwachidule

Wobwereketsa wodzilemba yekha wokhala ndi ngongole yabwino kwambiri yemwe ndalama zake zoperekedwa pamisonkho sizingawayenerere kukhala ndi nyumba yabwino kwambiri yomwe angakwanitse. Khalani ndi 100% pa Ma Depositi a Akaunti Yanu ndi 50% pa Madipoziti a Akaunti Yabizinesi (miyezi 12 yotsatizana).

Mfundo Zazikulu za Pulogalamu

1) Kufikira $3M Kubwereketsa Ndalama;
2) Mpaka 80% LTV;
3) Odzigwira Ntchito Pawokha ndi Obwereketsa 1099;
4) 660 kapena apamwamba Ngongole Score;
5) Palibe zosungira zofunika pa LTV pa 75% kapena kuchepera;
6) Palibe 4506T / Palibe K1 / Palibe P&L yofunikira;
7) Palibe MI (Mortgage Insurance).

N'chifukwa chiyani timasankha Bank Statements?

Ngakhale eni nyumba ambiri atha kukhala oyenerera kukhala ndi zolemba zonse zobwereketsa wamba, ambiri sakugwirizanabe ndi malangizo a Fannie ndi Freddie pankhani yobwereketsa. Mwamwayi, ngongole za Non-QM ndi zolemba zopezera ndalama za kubanki ndi mayankho abwino kwa obwereketsa omwe si achikhalidwe.

Odzipangira okha ndalama amakhala ndi mwayi wochotsa ndalama zambiri zamabizinesi pansi pa IRS Tax Code. Kuchotsa ndalama zomwe amawononga pabizinesi kuchokera ku ndalama zonse zomwe amapeza zimathandiza obwereketsa kuchepetsa kwambiri ngongole zawo zamisonkho, ndipo nthawi zina zimawonetsa kutayika kwathunthu kapena ndalama zosakwanira pachaka. Bank Statement Non-QM Loan ithandiza obwereketsawa kuti ayenerere kubwereketsa nyumba popanda kuwonetsa ma fomu awo amisonkho ndikugwiritsa ntchito masitatimenti awo aku banki kuwonetsa ndalama zenizeni za bizinesi yawo.

Kodi pulogalamuyi ndi yandani?

Pulogalamuyi idapangidwira obwereketsa omwe amadzilemba okha ntchito ndipo angapindule ndi njira zina zoyenereza ngongole. Malipoti a kubanki angagwiritsidwe ntchito ngati njira ina yobwezera msonkho kuti alembe ndalama za wobwereka wodzilemba yekha. Kupatula apo, zikalata zamunthu ndi/kapena zamabanki zonse ndizololedwa.

Osachepera m'modzi mwa obwereketsa ayenera kukhala wodzilemba ntchito kwa zaka zosachepera 2 (ndi 25% kapena umwini wamkulu) kuti ayenerere pulogalamuyi. Izi ndizofunika kuti mudziwe ngati wobwereka ndi wobwereka yekha. Mu ngongole za mabungwe, nthawi zonse timatchula K-1 kapena Ndandanda G; pamene ngongole Non-QM, nthawi zonse tiyenera kalata CPA kutsimikizira umwini weniweniwo.

Nthawi zambiri, wobwereketsa amawerengera ndalama zoyenerera potenga mtengo wapakati wa depositimenti ya banki m'miyezi 12 kapena 24, ndiyeno kuchulukitsa ndalama zomwe zimawononga. Izi ziyenera kukhala ndalama zoyenerera za wobwereketsa za pulogalamuyi.

Ponena za ndalama zomwe zimawononga, osunga ndalama ambiri omwe si a QM akhoza kukhala ndi chiyerekezo ngati 50%. Ngakhale izi ndizofunikanso zathu, koma ngati CPA yanu ingapereke kalata yokhala ndi zifukwa zomveka, tikhoza kuganizira za ndalama zosinthika chifukwa cha chikhalidwe cha bizinesi ili ndi ndalama zochepa.

Chonde funsani gulu lathu kuti likuwunikeni kwaulere ndalama zomwe mumapeza musanapereke ngongole kuti muthandizire makasitomala anu.