Kikowaena Huahana

Nānā nui

E hoʻohana i nā waihona kālā 6 mahina a Borrower e kākoʻo i ka loaʻa kālā i haʻi ʻia ma 1003.

Hōʻikeʻike Polokalamu

1) ʻAʻohe P&L Pono;
2) ʻAʻohe WVOE Pono;
3) 12 mahina mālama ʻia i helu ʻia ma PI;
4) Hāʻawi ʻia nā kālā makana;
5) Ka huina hōʻaiʻē a hiki i $2.5M;
6) Kūʻai & ʻAʻohe R / T.

He aha ka True Stated Income?

• Maopopo anei iā ʻoe pehea e hoʻohana ai i ka waiwai i mea e hiki ai iā ʻoe ke hōʻaiʻē moraki hale?
• Ua hoʻokuʻu ʻia a hōʻole ʻia paha ʻoe e ka mea hāʻawi kālā no kahi papahana WVOE (Written Verification of Employment)?
• ʻAʻole nui kāu waiwai ke makemake ʻoe e kūʻai i kou hale ponoʻī?
• ʻAʻole anei i makemake kou haku hana e hāʻawi i kahi palapala WVOE a i ʻole e hui pū?

Inā ua ʻike ʻoe i nā kūlana i luna, ua like ka papahana me ka polokalamu {WVOE}, ua hoʻolālā ʻia no ka poʻe hōʻaiʻē uku a me nā mea hōʻaiʻē hoʻolimalima. ʻAʻole liʻiliʻi nā papahana maikaʻi o nā hōʻaiʻē non-QM i hiki i ka poʻe uku uku a me nā mea ʻoihana ke noi aku.

Pehea e hana ai kēia polokalamu?

E like me ka inoa o ka huahana, ua kūpono kēia polokalamu me ka waiwai pū kekahi. E nānā ma lalo:

· ʻO ka loaʻa kālā i ʻōlelo ʻia, ʻo ia ka mea e hōʻaiʻē i kā lākou REASONABLE loaʻa kālā i kēia manawa ma ka 1003

(Pono).

· Ke hōʻoia nei mākou e hiki ke kākoʻo ʻia kā lākou loaʻa kālā i kēlā me kēia mahina e nā waiwai wai ma mua o ka pani ʻana.

Heluhelu:

Pono nā waiwai / 6 ma mua o ka loaʻa kālā

· Kauka Lapaʻau nona ka $300,000 i nā waiwai a me 1003 loaʻa kālā o $20,000 i ka mahina?
ʻAe, kūpono kēia hiʻohiʻona. $300,000 / 6 = $50,000 ʻoi aku ka nui ma mua o $20,000 o ka loaʻa kālā i helu ʻia ma ka palapala noi. Hoʻohana mākou i $20,000 no ka hōʻoia.

· Uku Uku Masseuse nona ka $100,000 i loko o nā waiwai a i ʻōlelo ʻia he $15,000 i ka mahina?
ʻAʻole, ʻaʻole kūpono kēia ʻano. ʻOiai $100.000 / 6 = $16,666 > $15,000 ʻo ia ka loaʻa kālā o kēlā me kēia mahina. ʻAʻole kūpono i ka uku ʻana i ka masaeuse e hana i $15,000 i ka mahina.

· Hoʻohana ponoʻī ʻana i nā mea kūʻai aku / Export Entrepreneur me $500,000 i nā waiwai a me ka loaʻa kālā i ʻōlelo ʻia he $100,000 i ka mahina?
ʻAe, kūpono kēia hiʻohiʻona. $500,000 / 6 = $83,333 & hōʻaiʻē ʻōlelo $100,000 i ka mahina. Eia nō naʻe, he $83,333 wale nō ka mea i hoʻohana ʻia no nā kumu hōʻoia.

Inā koho mākou i ka Elite True Stated Income, e koi wale ʻia ka mea hōʻaiʻē e hāʻawi i kahi loaʻa waiwai ma ka palapala noi hōʻaiʻē (1003). E hoʻohana ʻia kēia loaʻa kālā no ka helu ʻana i ka hōʻaiʻē kūpono i ka ratio kālā.

Inā e koho i ka polokalamu True Stated Income, e koi wale ʻia ka mea hōʻaiʻē e hāʻawi i kahi loaʻa waiwai ma luna o ka noi hōʻaiʻē (1003). E hoʻohana ʻia kēia loaʻa kālā no ka helu ʻana i ka hōʻaiʻē kūpono i ka ratio kālā.

ʻO wai ka mea hiki ke noi no kēia papahana?

ʻAʻole ʻoe he mea hōʻaiʻē uku a i ʻole he mea hōʻaiʻē pilikino, hiki iā ʻoe ke noi no kēia papahana. No nā mea hōʻaiʻē uku, ʻaʻohe palapala kūikawā e pono ai ke noi ʻoe i kahi hōʻaiʻē hale hou o Non-QM me ka mea hāʻawi. No nā mea hōʻaiʻē paʻa a i ʻole 1099 nā mea hōʻaiʻē, pono paha kahi leka CPA.