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Mwachidule

Zosavuta kwambiri pamitundu yamapulogalamu a Non-QM.
Palibe Ndalama / Palibe Ntchito / Palibe Kubweza Msonkho, komanso kufananiza chiŵerengero cha DTI ngati ngongole wamba. Pokhapokha ngati katunduyo ndi katundu wa ndalama.

Tsatanetsatane

1) Kufikira $ 2M ngongole za ngongole;
2) Mpaka 80% Max 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, and Non-Warrantable Condos.

Pulogalamu ya DSCR

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:

Ife AAA Lendings tsopano tikupereka "Palibe chiŵerengero cha DSCR" kwa makasitomala athu, zomwe zikutanthauza kuti chiŵerengerocho chikhoza kutsika mpaka "0". Muzinthu zathu za ngongole za msonkhano, tiyenera kufananitsa ndalama zomwe timapeza ndi PITIA (Mfundo / Chiwongoladzanja / Misonkho / Inshuwaransi / HOA) ndi ngongole zina za nyumba yobwereketsa kuti tisankhe ngati ngongoleyo ingayenerere.

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.

Ubwino wa pulogalamu ya DSCR ndi chiyani?

Palibe chiŵerengero cha DSCR, malonda a ngongole omwe sayang'ana ndalama, alibe zofunikira pa ndalama za alendo, chifukwa malonda a ngongole samaphatikizapo 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 alendo omwe 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 tidzakuthandizani kutseka mwachangu. Tili ndi kulumikizana kwabwino komanso ndalama zomwe timapeza mwachangu pakubwereketsa kwa Non-QM, lemberani ngati mukufuna.

Mumapeza ndalama zambiri! Zomwe timatumiza kuti titseke ndi zosakwana masabata atatu ndipo timatseka popanda zovuta. Ganizirani momwe zotumizira zanu zidzachulukira.