Kikowaena Huahana

Nānā nui

ʻO ka mea hōʻaiʻē hana ponoʻī me ka hōʻaiʻē maikaʻi loa nona ka loaʻa kālā i hōʻike ʻia ma kā lākou hoʻihoʻi ʻauhau ʻaʻole ia e kūpono iā lākou no ka home nani e hiki ai iā lākou ke loaʻa. Pono me 100% ma nā waihona moʻokāki pilikino a me 50% ma nā waihona moʻokāki ʻoihana (12 mau mahina ʻokoʻa).

Hōʻikeʻike Polokalamu

1) A hiki i $4M ka huina kālā;
2) A hiki i ka 80% LTV;
3) Hoʻohana ponoʻī a me 1099 mau mea hōʻaiʻē;
4) 660 a ʻoi aʻe paha ka helu ʻaiʻē;
5) ʻAʻohe koi no ka LTV ma 75% a i ʻole ka liʻiliʻi;
6) ʻAʻole 4506T / ʻAʻole K1 / ʻAʻole pono P&L;
7) ʻAʻohe MI (Inikua moraki).

No ke aha mākou e koho ai i ka Bank Statements?

ʻOiai ʻo ka hapa nui o nā ʻAmelika hiki ke maʻalahi me nā palapala piha no kahi hōʻaiʻē moraki hale maʻamau, ʻaʻole nui ka poʻe i kūpono i nā alakaʻi Fannie a me Freddie i ka wā e pili ana i nā koi hōʻaiʻē. ʻO ka mea pōmaikaʻi, ʻo nā hōʻaiʻē Non-QM a me nā palapala hōʻike kālā kālā he hopena maikaʻi loa ia no kēia mau mea hōʻaiʻē kuʻuna.

ʻO ka mea nui, loaʻa i ka poʻe uku uku hana ponoʻī ke kākau ʻana i nā lilo ʻoihana he nui ma lalo o ka IRS Tax Code. ʻO ke kākau ʻana i nā lilo ʻoihana mai kā lākou loaʻa kālā nui e pōmaikaʻi i ka poʻe i loaʻa iā lākou iho ka uku uku ma ka uku ʻana i nā ʻauhau loaʻa.

He nui nā poʻe hana ponoʻī me nā mea ʻauhau akamai e uku pinepine ʻole i ka ʻauhau ma muli o ka hoʻohana ʻana i nā code ʻauhau. Nui ka loaʻa kālā maikaʻi ʻole. ʻO ka mea pōʻino, ʻo ka nui o nā kākau ʻana he mea paʻakikī ka poʻe i loaʻa iā lākou iho no ka loaʻa ʻana o kahi moraki. E hoʻohana ka poʻe hāʻawi kālā maʻamau i ka loaʻa kālā i hoʻololi ʻia i ka helu ʻana i ka loaʻa kūpono, ʻo ia ka nūhou maikaʻi no nā mea kūʻai hale hoʻolimalima me nā hōʻaiʻē QM ʻole. Loaʻa iā mākou nā moraki Non-QM no ka poʻe ʻaiʻē hana ponoʻī me ka ʻole o ka ʻauhau ʻauhau e koi ʻia.

No wai kēia papahana?

Hoʻolālā ʻia kēia papahana no ka poʻe ʻaiʻē i hana ponoʻī a e pōmaikaʻi ana i nā ʻano hana hōʻaiʻē ʻē aʻe. Hiki ke hoʻohana ʻia nā ʻōlelo panakō ma ke ʻano he mea ʻē aʻe i ka hoʻihoʻi ʻauhau e palapala i ka loaʻa kālā o ka mea hōʻaiʻē hoʻolimalima. Ma waho aʻe, ua ʻae ʻia nā ʻōlelo panakō pilikino a/a ʻoihana paha.

Pono ka liʻiliʻi o hoʻokahi o nā mea hōʻaiʻē e hoʻolimalima iā lākou iho no ka liʻiliʻi o 2 mau makahiki (25% a ʻoi aku paha ka ʻona) e hiki ai i kēia papahana. He koi maʻamau kēia e hoʻoholo ai inā he mea hōʻaiʻē paʻa ka mea hōʻaiʻē. I kekahi manawa, hiki i ka mea ʻaiʻē ke kuleana i kahi ʻoihana, akā naʻe, helu wale mākou he poʻe ʻaiʻē hoʻolimalima iā ia iho inā ʻoi aku ma mua o 25%. Ma nā hōʻaiʻē ʻoihana, ʻike mau mākou iā K-1 a i ʻole Hōʻike G; ʻoiai no nā hōʻaiʻē Non-QM, pono mākou i kahi leka CPA e hōʻoia i ka kuleana maoli.

ʻO ka mea maʻamau, e helu ka mea hāʻawi i ka loaʻa kālā kūpono ma o ka lawe ʻana i ka waiwai awelika o nā waihona hōʻike panakō i 12 a i ʻole 24 mau mahina, a laila hoʻonui i kahi kumu hoʻolimalima maʻamau. ʻO ia ka loaʻa kālā kūpono o ka mea hōʻaiʻē no kēia papahana.

No ka mea hoʻolimalima, nui nā mea hoʻopukapuka Non-QM i loaʻa i ka ratio maʻamau e like me 50%. Loaʻa iā mākou kēia koi. Eia naʻe, inā hiki i kāu CPA ke hāʻawi i kahi leka me nā kumu kūpono, hiki iā mākou ke noʻonoʻo i kahi kumu hoʻolimalima maʻalahi. Mai ʻoi aku ma mua o nā palena liʻiliʻi~

Inā loaʻa iā ʻoe kekahi mea e pono ai, e hoʻokaʻaʻike mua iā mākou, hiki iā mākou ke hāʻawi i kahi helu kālā pre-analysis manuahi. He mea pono loa ia ia oukou a pau, o na Luna Hooko Moraki, e lawelawe maikai aku i na mea kuai.