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Pulogalamu ya DSCR (Debt Service Coverage Ratio) Program.

Iyi ndiye pulogalamu yosavuta kwambiri pakati pa mapulogalamu onse omwe si a QM.

Ndalama / Mkhalidwe Wantchito / Kubweza Misonkho sikofunikira.

Mfundo Zazikulu za Pulogalamu

1) Kufikira $2M Kubwereketsa Ndalama;
2) Mpaka 75% LTV;
3) 660 kapena apamwamba Ngongole Score;
4) Atha 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 zofunikira pamwambapa - pulogalamu ya DSCR. Ndiwodziwika kwambiri Non-QM pa ngongole zanyumba.

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.

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 sichitsimikizira ndalama zomwe amapeza, zilibe zofunikira pa ndalama za wobwereka chifukwa siziphatikiza kuwerengera kwa DTI. Ndipo chiwerengero chochepa cha DSCR chikhoza kukhala chochepa ngati 0. Ngakhale ndalama zobwereka zimakhala zochepa, tikhoza kuchitabe! Ichi ndi chisankho chabwino kwa obwereka omwe amapeza 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.