Zogulitsa
DSCR mwachidule
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 - 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.
Mulingo:DINANI APA
Mfundo zazikuluzikulu za Pulogalamu ya DSCR
Max. LTV
80%
Max. Ngongole Ndalama
$2M
Min. Mtengo wa FICO
660
♦ Ndalama Zobwereketsa Ziyenere
♦ Dziko Lakunja Lololedwa
♦ Investor First Time Yovomerezeka
♦ Lolani Kutseka Pansi pa LLC
♦ Ndalama za Mphatso Zololedwa
♦ Kutumiza kwa Mayeso Ndikovomerezeka
♦ Oyenerera Kubwereka Kwakanthawi kochepa
♦ ITIN (Min DSCR 1.0)
Chonde imbani mtengo:
• FICO 620-659
• Kubweza ngongole mochedwa
• Kubwereka kwakanthawi kochepa
• Ngongole ndi > $2.0 miliyoni
• Foreign National LTV>70% or ITIN LTV>75%
• Katundu Wakumidzi
Momwe Mungawerengere DSCR?
Pa ngongole zanyumba, DSCR imatanthawuza chiŵerengero cha ndalama zobwereka mwezi uliwonse za malo osungiramo ndalama ndi ndalama zonse zanyumba. Ndalamazi zingaphatikizepo chiwongola dzanja, chiwongola dzanja, msonkho wa katundu, inshuwaransi, ndi chindapusa cha HOA. Ndalama zilizonse zomwe sizinabwere zidzalembedwa ngati 0. Kutsika kwa chiŵerengerocho, chiwopsezo cha ngongole chimakhala chachikulu. Itha kufotokozedwa motere:
Timapereka "Palibe chiŵerengero cha DSCR" kwa makasitomala athu, zomwe zikutanthauza kuti chiŵerengerocho chikhoza kukhala "0". Pazinthu zathu zanthawi zonse zangongole, tikuyenera kufananiza ndalama za obwereketsa ndi PITI ya pamwezi (Mkulu, Chiwongola dzanja, Misonkho, Inshuwaransi) kuphatikiza chindapusa chilichonse cha HOA ndi ngongole zina za malo omwe abwerekedwa kuti tisankhe ngati ngongoleyo ikuyenera.
Ubwino wa DSCR
Palibe chiŵerengero cha DSCR ndi chinthu chobwereketsa chomwe sichitsimikizira kapena kufuna ndalama za wobwereketsa chifukwa sichiphatikiza kuwerengera kwa DTI (Debt-To-Income Ratio). Chofunika kwambiri, DSCR (Debt Service Coverage Ratio) yocheperako ikhoza kukhala yotsika ngati 0. Ngakhale ndalama zobwereka zimakhala zochepa, tikhoza kuchitabe! Ichi ndi chisankho chabwino kwa obwereketsa omwe ali ndi ndalama zochepa kapena zolipiritsa zambiri.Izi zimapangitsa kukhala njira yabwino ngakhale kwa omwe ali ndi ndalama zochepa zobwereka, zomwe zimapangitsa kukhala chisankho chabwino kwa obwereketsa omwe ali ndi ndalama zochepa kapena ngongole zapamwamba.
Kuphatikiza apo, pulogalamuyi imatsegulidwanso kwa Akunja, makamaka omwe ali ndi ma visa a F1. Ngati ndinu mbadwa ndipo simungakwanitse kubwereketsa ngongole yanyumba, chonde titumizireni kuti tikambirane momwe mungabwereke ngongole.
Chithunzi cha DSCR
