Mwachidule
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) Max.Ngongole Yokwana $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) Min.DSCR 1.000;
6) Ngongole Yopangidwa Kwa Munthu Wachilengedwe - Palibe Obwereka;
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) Min.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 Zobwereketsa * (1 - Zofunika Kwambiri);
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.
