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

He aha kēia papahana?

Hoʻolaha Banako Portfolio

1) Ka uku ʻaiʻē e like me ka papahana portfolio;

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

3) TX Doc Review, inā pili $150;

4) Ka Waihona Waiwai LTV Max 65%;

5) Hōʻike Bank - ʻO ka hoihoi wale nō Max LTV 60%;

6) Ka huina hōʻaiʻē liʻiliʻi $500,000;

7) Nā ʻāina ʻē - ʻAʻole kūpono;

8) Ua like ka uku hoʻopaʻi ma mua o 18 mahina me 6 mahina ukupanee.

Palapala DSCR

1) Ka uku ʻaiʻē e like me ka papahana portfolio;

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

3) TX Doc Review inā pili $150;

4) He $500,000 ka nui o ka aie;

5) Nā ʻāina ʻē - ʻAʻole kūpono;

6) DSCR liʻiliʻi 1.000;

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

8) 2-4 Mea Pono Pono a me 5% Ho'ēmi ma Max LTV/CLTV ma Matrix;

9) ʻO ka hoʻopaʻi hoʻopaʻi ma mua o 18 mahina me 6 mau mahina.

Kālā FN DSCR

1) Ka uku ʻaiʻē e like me ka papahana portfolio;

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

3) TX Doc Review inā pili $150;

4) Nānā Lahui ʻē aʻe $250;

5) Ka huina hōʻaiʻē liʻiliʻi $500,000;

6) DSCR liʻiliʻi 1.000;

7) ʻAʻole ʻae ʻia;

8) Mana o ka Loio - ʻAʻole ʻae ʻia;

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

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.