Zogulitsa
Chidule cha Bank Statement
Ndemanga ya Banki: Wobwereka wodzilemba yekha wokhala ndi ngongole yabwino kwambiri yemwe ndalama zake zolembedwa pamakalata awo amisonkho sizingawayenerere kukhala ndi nyumba yapamwamba yomwe angakwanitse.
Mulingo:DINANI APA
Mfundo zazikuluzikulu za Bank Statement Program
Max. LTV
90%
Max. Ngongole Ndalama
$3.5M
Min. Mtengo wa FICO
660
Konzekerani Ndi:
♦ Miyezi 12 Bank Stmt
♦CPA Yokonzekera P&L / WVOE
♦ 1 Year/2 Years Full Doc
Zowunikira:
♦ AyiKubweza Misonkho, P&L Ikufunika
♦ Lolani Kutseka Pansi pa LLC
♦Ndalama Zochepa: 20%
♦ITIN ndi 1099 Obwereketsa Oyenerera
♦DTI Yoposa 50% Yalandiridwa
Chonde imbani mtengo:
• ngongole ndi $3.5M-$20.0M • 1 Year Full Doc LTV >80% • Rural Property
Chifukwa Chiyani Timasankha Bank Statement?
Ngakhale eni nyumba ambiri atha kukhala oyenerera kukhala ndi zolemba zonse za ngongole yanyumba, 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.
Anthu odzilemba okha ali ndi chilolezo cholemba 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 Yapangidwira Ndani?
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. Monga umboni wa ndalama, zonse zaumwini ndi / kapena zamalonda zimaloledwa.
Osachepera m'modzi mwa obwereketsa akuyenera kudzilemba ntchito kwa zaka zosachepera ziwiri kuti ayenerere pulogalamuyi. Kukhala ndi umwini wochepera 25% mubizinesi ndikofunikiranso. 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, wobwereketsayo amawerengera ndalama zoyenerera potenga mtengo wapakati wa depositimenti ya banki m'miyezi 12 kapena 24, ndikuchulukitsa ndi ndalama zomwe zimayendera. 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.
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