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DSCR

DSCR mwachidule

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 zazikuluzikulu za Pulogalamu ya DSCR

1) Max.LTV: 80%;
2) Max.Ngongole Ndalama $2,000,000;
3) Min.FICO: 680;
4) Dziko Lakunja Lololedwa.

Chonde imbani mtengo zaNyumba Yopangidwa , 5-10 Mayunitsi ndi ngongole amt > $ 2.0 miliyoni.

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 -DSCRpulogalamu.Ndiwodziwika kwambiri Non-QM pa ngongole zanyumba.

DSCR(Debt Service Coverage Ratio) idapangidwira osunga malo odziwa zambiri ndipo imayenereza obwereketsa kutengera kuchuluka kwa ndalama zomwe zimachokera ku malo omwe akukhudzidwawo kuti awunike kuchuluka kwa chiwopsezo cha ndalama.Lero, timayang'ana kwambiri pakumvetsetsa tanthauzo la DSCR ndikuwulula chinsinsi cha pulogalamu ya DSCR kuchokera pamawonedwe andalama zobwereketsa nyumba.

Malangizo a DSCR

Katundu ★Sitimenti yaku banki yaposachedwa ya miyezi iwiri yofunikira.
★ 100% kalata yopezera mwayi yochokera kwa eni ake onse.
★Ndalama zamphatso ndizovomerezeka kuti zigwiritsidwe ntchito pakubweza ndi kubwereketsa ndalama.
★Stocks/Bond/Mutual Funds - 90% ya maakaunti amasheya atha kuganiziridwa powerengetsera katundu pa kutseka kwa ndalama ndi nkhokwe.
★Ndalama za Vested Retirement Account - 80% zitha kuganiziridwa kuti zitseke ndi/kapena zosungitsa.
★Ma statement aku banki akagwiritsidwa ntchito, ma depositi ambiri amayenera kuunika.
Zosungirako ★Zosungira:
Ngongole Amt $125,001-$1,000,000: Miyezi 6 PITIA;
Ngongole Amt $1,000,001 - 1,500,000 : Miyezi 9 PITIA;
Loan Amt $1,500,001 - 2,000,000: miyezi 12 PITIA
★Ndalama zotuluka zitha kugwiritsidwa ntchito ngati nkhokwe.
★Mizere yobwereketsa ndalama zangongole ndi mphatso sizinthu zovomerezeka kuti zikwaniritse zofunika pakusungitsa.
Ngongole ★Mbiri ya Wobwereketsa aliyense iyenera kukhala ndi mizere iwiri (2) yamalonda mkati mwa miyezi makumi awiri ndi inai (24) yapitayi yomwe imawonetsa mbiri ya miyezi khumi ndi iwiri (12), kapena mbiri yangongole yophatikizana pakati pa Wobwereka ndi Wobwereka mnzake ndi osachepera. magawo atatu (3) a malonda
Ngongole Chochitika ★Mbiri ya Ngongole:0 x 30 x 12.
★Kutseka Nyengo :Miyezi 36
★Kugulitsa Kwachidule/DIL Nyengo:Miyezi 36
★BK Nyengo:Miyezi 36
Ntchito & Ndalama ★Sizofunikira.
Kuyesa ★Ndalama zangongole ≤ $1,500,000 = 1 Kuyesa Kwathunthu (ARR, CDA kapena FNMA CU Chiwopsezo cha 2.5 kapena kuchepera pakufunika kuwonjezera pa kuyesa)
★Ndalama zangongole> $1,500,000 kapena "flip" transaction = Mayeso Awiri Okwanira
Zina Zofunikira ★Ogula Nyumba Yoyamba Osavomerezeka.
★Max Financeed katundu: 20
★MD Investment Yopanda PPP yokha.
★Chilango Cholipiriratu Prepaid ndi 5% ya ngongole yotsalayo.

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:

zambiri

Timapereka "Palibe chiŵerengero cha DSCR" kwa makasitomala athu, zomwe zikutanthauza kuti chiŵerengerocho chikhoza kukhala "0".Pazinthu zathu zanthawi zonse zangongole, tikuyenera kufananiza ndalama zomwe obwereka amapeza ndi PITI pamwezi (Mkulu, Chiwongola dzanja, Misonkho, Inshuwaransi) kuphatikiza chindapusa chilichonse cha HOA ndi ngongole zina za malo omwe abwerekedwa kuti tisankhe ngati ngongoleyo ikuyenera.

DSCR

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 zobwereketsa, zomwe zimapangitsa kukhala chisankho chabwino kwa obwereka 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.


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