– 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 75% 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:
Hoʻomaopopo mākou ʻaʻole ʻo ka moraki he hana kālā wale nō akā he hoʻoholo ola koʻikoʻi. ʻO kā mākou manaʻo nui i ka mea kūʻai aku, ʻaʻole mākou e noʻonoʻo wale i nā helu; noʻonoʻo mākou i kāu moʻolelo kūʻokoʻa, nā manaʻo, a me nā pahuhopu kālā. Lawe kā mākou poʻe loea moraki i ka manawa e hoʻomaopopo i kāu huakaʻi pilikino, e hōʻoia ana e loaʻa iā ʻoe kahi hopena moraki e kūlike me kāu ʻike no ka wā e hiki mai ana. – 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: Danish, Buenos Aires, Madrid, Ke hahai nei mākou i nā ʻano hana ʻoi aku ka maikaʻi e hoʻoponopono i kēia mau waiwai e hōʻoia i ka lōʻihi a me ka hilinaʻi o nā waiwai. Ke hahai nei mākou i nā kaʻina hana holoi a me ka hoʻopololei hou loa e hiki ai iā mākou ke hoʻolako i ka maikaʻi ʻole o nā mea no kā mākou mea kūʻai. Hoʻoikaika mau mākou no ka hemolele a ke kuhikuhi ʻia kā mākou mau hana āpau i ka loaʻa ʻana o ka ʻoluʻolu o ka mea kūʻai aku.
Na Mamie mai Singapore - 2018.11.28 16:25 ʻAʻole maʻalahi ka loaʻa ʻana o kahi ʻoihana ʻoihana a kuleana i kēia manawa. Manaʻolana e hiki iā mākou ke mālama i ka hui lōʻihi.
Na Miriama mai Eindhoven - 2017.11.20 15:58 
