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Malipoti a Banki ya Portfolio
Mbiri ya DSCR
Portfolio Foreign National DSCR

* Kugulitsa kokha

Tsatanetsatane

1) 5/6 ARM 30 Day Average SOFR (5/1/5);
2) Chiŵerengero cha kugula pansi pa ndime 1:2;
3) Kuchuluka kwa Ngongole $500,000 - $5,000,000.

* Chiŵerengero cha Buyup kuposa chosavomerezeka

Malipoti a Banki ya Portfolio

1) Malipiro a UW $1495 & Malipiro Okonzekera $845;

2) Malipiro a Chikhulupiliro / Bungwe Lowunika $300, ngati kuli koyenera;

3) Bank Statement Income Max. LTV 65%;

4) Statement Bank - Chiwongola dzanja Max. LTV 60%;

5) Min. Ngongole Ndalama $500,000;

6) Dziko Lachilendo - Osayenerera;

7) Chilango Cholipiriratu Miyezi 18 ndi chofanana ndi chiwongola dzanja cha miyezi 6;

8) Min. 12 miyezi PITIA pa nkhani katundu monga nkhokwe;

9) Kupatulapo: mlandu uliwonse pamtengo wangongole ≤ $500k ndi 0.5 yosinthidwa kukhala chindapusa.

Mbiri ya DSCR

1) Malipiro a UW $1495 & Malipiro Okonzekera $845;

2) Kuwunika kwa Trust/Entity $300, ngati kuli koyenera;

3) Min. Ngongole Ndalama $500,000;

4) Dziko Lachilendo - Osayenerera;

5) Ochepera DSCR 1,000;

6) Ngongole Yoperekedwa kwa Munthu Wachilengedwe - Palibe Obwereketsa;

7) 2-4 Unit Katundu Ndiwoyenera ndi Kuchepetsa 5% mu Max. LTV/CLTVs pa Matrix;

8) Chilango Cholipiriratu Miyezi 18 ndichofanana ndi chiwongola dzanja cha miyezi 6;

9) Min. 12 miyezi PITIA pa nkhani katundu monga nkhokwe;

10) Kupatulapo: mlandu uliwonse pamtengo wangongole ≤ $500k ndi 0.5 yosinthidwa kukhala chindapusa.

Mbiri ya FN DSCR

1) Malipiro a UW $1495 & Malipiro Okonzekera $845;

2) Kuwunika kwa Trust/Entity $300, ngati kuli koyenera;

3) Ndemanga Yadziko Lakunja $250;

4) Min. Ngongole Ndalama $500,000;

5) Ochepera DSCR 1,000;

6) Chidwi Chokha - Sichololedwa;

7) Mphamvu ya Loya - Silololedwa;

8) Chilango Cholipiriratu (Wobwereketsa yekha) ndi miyezi 18 ndikufanana ndi chiwongola dzanja cha miyezi 6.

9) Min. 12 miyezi PITIA pa nkhani katundu monga nkhokwe;

10) Kupatulapo: mlandu uliwonse pamtengo wangongole ≤ $500k ndi 0.5 yosinthidwa kukhala chindapusa.

Momwe Mungawerengere Portfolio DSCR?

DSCR idzawerengedwa motere: DSCR = *Ndalama Zonse Zobwereketsa ÷ Malipiro Oyenerera Mwezi uliwonse (P ndi Ine ndekha);

*Ndalama Zonse Zobwereketsa = Ndalama Zobwereka * (1 - Zowonongeka);

Zinthu Zowonongeka: Katundu wopanda HOA = 25%, Katundu wokhala ndi HOA = 30%;

Rent ikhala yocheperako: Ndalama zomwe zabwerekedwa pano kapena kuchuluka kwa 1007 koperekedwa ndi woyesa kuwonetsa ndandanda yobwereketsa msika.