– AAA Lendings Non-QM DSCR (Debt Service Coverage Ratio) Program – AAA Lendings Details:
Nānā nui
Polokalamu DSCR (Debt Service Coverage Ratio).
ʻO kēia ka papahana maʻalahi ma waena o nā papahana Non-QM.
ʻAʻole koi ʻia ka loaʻa kālā/ kūlana hana/ hoʻihoʻi ʻauhau.
Hōʻikeʻike Polokalamu
1) A hiki i $2M ka huina kālā;
2) A hiki i ka 80% LTV;
3) 660 a ʻoi aʻe paha ka helu ʻaiʻē;
4) Hiki ke pani i nā hui;
5) ʻAʻohe palena o ka nui o nā waiwai i hoʻolimalima ʻia;
6) Loaʻa nā SFR, 2-4 Units, Condos, Townhomes, Condotels, a me Non-Warrantable Condos.
He aha ka DSCR?
ʻIke ʻoe pehea e hoʻokō ai i kahi moraki hale me ka ʻole o ka ʻike hana a me ka loaʻa kālā?
ʻAʻole ʻoe kūpono me nā hōʻaiʻē moraki maʻamau?
ʻIke ʻoe i ka polokalamu hōʻaiʻē ka huahana maʻalahi?
Makemake ʻoe e ʻike pehea e hoʻohana ai i nā palapala i hōʻemi ʻia e loaʻa ai kahi hōʻaiʻē?
He mea paʻakikī loa iā ʻoe ke loaʻa kahi hōʻaiʻē home ma kāu ʻoihana?
Hāʻawi mākou i kahi papahana hōʻaiʻē kūpono e hoʻokō i nā kumu nui i luna - papahana DSCR. ʻO ia ka huahana Non-QM kaulana loa i nā hōʻaiʻē moraki hale.
Hoʻolālā ʻia ʻo DSCR (Debt Service Coverage Ratio) no nā mea hoʻopukapuka waiwai ʻike a loaʻa i ka poʻe hōʻaiʻē ma muli o ke kahe kālā wale nō mai ka waiwai kumuhana e nānā i ke kiʻekiʻe pilikia o kahi hoʻopukapuka. I kēia lā, nānā mākou i ka hoʻomaopopo ʻana i ka wehewehe ʻana o DSCR a me ka wehe ʻana i ka mea pohihihi o ka papahana DSCR mai ka ʻike o ka hoʻopukapuka moraki hale.
Pehea e helu ai i ka DSCR?
No nā hōʻaiʻē moraki hale, pili ʻo DSCR i ka ratio o ka loaʻa kālā hoʻolimalima o ka hale hoʻolimalima i ka nui o nā lilo hale (e like me ke kumupaʻa, ukupanee, ʻauhau ʻāina, ʻinikua a me ka uku hoʻokele (inā ʻaʻole i loaʻa maoli kekahi mau lilo, e kākau ʻia ʻo ia he 0)). ʻO ka haʻahaʻa o ka ratio, ʻoi aku ka nui o ka pilikia o ka hōʻaiʻē. Hiki ke hōʻike ʻia ma kēia:
Hāʻawi mākou i "ʻAʻohe ratio DSCR" no kā mākou mea kūʻai aku, ʻo ia ka mea hiki ke iho i lalo i ka "0". Ma kā mākou huahana hōʻaiʻē maʻamau, pono mākou e hoʻohālikelike i kā mākou loaʻa kālā me ka PITIA (Principle/ Interest/ Tax/ Insurance/ HOA) a me nā kuleana ʻē aʻe o ka hale i moraki e hoʻoholo ai inā hiki ke hōʻaiʻē.
Nā pōmaikaʻi o DSCR
ʻAʻohe ratio DSCR, kahi huahana hōʻaiʻē i hōʻoia ʻole i ka loaʻa kālā, ʻaʻohe koi no ka loaʻa kālā o ka mea hōʻaiʻē no ka mea ʻaʻole pili i ka helu ʻana o DTI. A ʻo ka hapa liʻiliʻi o DSCR hiki ke haʻahaʻa e like me 0. ʻOiai inā he haʻahaʻa ka loaʻa kālā hoʻolimalima, hiki iā mākou ke hana! He koho maikaʻi kēia no ka poʻe hōʻaiʻē me ka loaʻa kālā haʻahaʻa a i ʻole nā aie ʻoi aku.
Ma waho aʻe, ua ʻae ʻia nā haole ʻē aʻe no kēia papahana, ʻoi aku hoʻi me ka visa F1. Inā he haole ʻoe, a ʻaʻole hiki iā ʻoe ke kūpono me kahi hōʻaiʻē moraki maʻamau, e kelepona mai iā mākou a loaʻa kāu ʻano hōʻaiʻē.
Nā kiʻi kikoʻī huahana:
Alakaʻi Huahana Pili:
ʻAʻole ʻo AAA LENDINGS he mea hāʻawi wale; ʻo mākou kāu hoa pili kālā. Lawe mākou i ka manawa e hoʻolohe ai i kāu mau pahuhopu kālā a me kou mau manaʻo, e hāʻawi ana i ke alakaʻi ma waho o ke kaʻina noi. ʻO kā mākou kūpaʻa i kou pono kālā e ʻoi aku ma mua o ka pani ʻana i ka ʻaelike, a ua hoʻolaʻa mākou i ke kōkua ʻana iā ʻoe e hoʻokō i kāu mau pahuhopu no ka wā lōʻihi, inā ʻo ia ka home, ka waiwai waiwai, a i ʻole ka hoʻohui ʻana i ka aie. – AAA Lendings Non-QM DSCR (Debt Service Coverage Ratio) Program – AAA Lendings , Hāʻawi ka huahana i nā wahi a pau o ka honua, e like me: Bangalore, Sevilla, Norewai, Ke alo i ka ikaika o ka nalu honua o ka hoʻohui waiwai, ua hilinaʻi mākou me kā mākou mau mea kiʻekiʻe a me ka lawelawe me ka ʻoiaʻiʻo i kā mākou mea kūʻai aku me ka makemake e hiki iā ʻoe ke hana pū me nā mea kūʻai aku a me ka makemake e hiki iā mākou ke hana i kahi mea kūʻai aku.
Na Alberta mai ʻAmelika Hui Pū ʻIa - 2018.03.03 13:09 Loaʻa i ka hale hana nā mea hana kiʻekiʻe, nā limahana akamai a me ka pae hoʻokele maikaʻi, no laila ua hōʻoia ka maikaʻi o ka huahana, ʻoluʻolu a hauʻoli kēia hui!
Na Katherine mai Bahamas - 2017.09.22 11:32 
