Kikowaena Huahana

Nānā nui

Hoʻolaha Banako Portfolio
Palapala DSCR
Portfolio ʻĀina ʻē DSCR

* Kūʻai wale

Nā kikoʻī

1) 5/6 ARM 30 Lā Awelika SOFR (5/1/5);
2) Lakiō kūʻai iho ma lalo o ka pā 1:2;
3) Ka nui o ka hōʻaiʻē $500,000 – $5,000,000.

* ʻAʻole ʻae ʻia ka lakio kūʻai ma luna o ka par

Hoʻolaha Banako Portfolio

1) Uku UW $1495 & Uku Hooponopono $845;

2) Uku Hoʻoholo Manaʻo Trust/Entity $300, inā pili;

3) Hōʻike Bank loaʻa Max. LTV 65%;

4) Hōʻike Bank - ʻO Max wale nō ka ukupanee. LTV 60%;

5) Min. Ka nui o ka aie $500,000;

6) Nā ʻāina ʻē - ʻAʻole kūpono;

7) ʻO ka uku hoʻopaʻi ma mua o 18 mau mahina e like me 6 mahina ukupanee;

8) Min. 12 mahina PITIA ma ke kumuhana waiwai e like me nā mālama;

9) Hoʻokoe: hihia ma ka hihia no ka hōʻaiʻē nui ≤ $500k me 0.5 i hoʻololi ʻia i ka uku.

Palapala DSCR

1) Uku UW $1495 & Uku Hooponopono $845;

2) Nānā Manaʻo Trust/Entity $300, inā pili;

3) Min. Ka nui o ka aie $500,000;

4) Nā ʻāina ʻē - ʻAʻole kūpono;

5) DSCR liʻiliʻi 1,000;

6) Hāʻawi ʻia ka hōʻaiʻē i ke kanaka maoli - ʻaʻohe mea hōʻaiʻē;

7) 2-4 Pono ka Waiwai Unite a he 5% Hoemi i Max. Nā LTV/CLTV ma ka Matrix;

8) ʻO ka uku hoʻopaʻi ma mua o 18 mau mahina me 6 mahina ukupanee;

9) Min. 12 mahina PITIA ma ke kumuhana waiwai e like me nā mālama;

10) Hoʻokoe: hihia ma ka hihia no ka hōʻaiʻē ≤ $500k me 0.5 i hoʻololi ʻia i ka uku.

Kālā FN DSCR

1) Uku UW $1495 & Uku Hooponopono $845;

2) Nānā Manaʻo Trust/Entity $300, inā pili;

3) Nānā Lahui ʻē aʻe $250;

4) Min. Ka nui o ka aie $500,000;

5) DSCR liʻiliʻi 1,000;

6) ʻAʻole ʻae ʻia;

7) Mana o ka Loio – ʻAʻole ʻae ʻia;

8) ʻO ka hoʻopaʻi hoʻopaʻi mua (mea hoʻopukapuka wale nō) he 18 mahina a like me 6 mahina ukupanee.

9) Min. 12 mahina PITIA ma ke kumuhana waiwai e like me nā mālama;

10) Hoʻokoe: hihia ma ka hihia no ka hōʻaiʻē ≤ $500k me 0.5 i hoʻololi ʻia i ka uku.

Pehea e helu ai i ka Portfolio DSCR?

E helu ʻia ka DSCR e like me kēia: DSCR = *Uku Hoʻolimalima Net ÷ Uku Mahina Pono (P a me I wale nō);

*Ka Loaʻa Hoʻolimalima Net = Nā Hoʻolimalima Nui * (1 - Ke kumu hoʻolimalima);

Nā Kumu Hoʻolilo: Waiwai me ka ʻole HOA = 25%, Waiwai me HOA = 30%;

ʻO ka liʻiliʻi o ka hoʻolimalima o: Loaʻa kālā hoʻolimalima o kēia manawa a i ʻole ka nui ma ka 1007 i hāʻawi ʻia e ka mea loiloi e hōʻike ana i ka papa hoʻolimalima makeke i manaʻo ʻia.