Nā huahana
Hōʻike Manaʻo Bank
Manaʻo Bank: ʻO ka mea hōʻaiʻē hana ponoʻī me ka hōʻaiʻē maikaʻi loa nona ka loaʻa kālā i hōʻike ʻia ma kā lākou hoʻihoʻi ʻauhau ʻaʻole ia e kūpono iā lākou no ka home nani e hiki ai iā lākou ke loaʻa.
Laki:KIKI MANEI
Nā mea koʻikoʻi o ka Polokalamu Hoʻolaha Bank
Max. LTV
90%
Max. Ka nui o ka aie
$3.5M
Min. FICO
660
Pono me:
♦ 12 Mahina Bank Stmt
♦Hoʻomākaukau ʻia ʻo CPA P&L / WVOE
♦ 1 Makahiki/2 Makahiki Piha Doc
Nā mea nui:
♦ ʻAʻoleHoike Auhau, Pono P&L
♦ ʻAe e pani ma lalo o LLC
♦ʻO ke kumu kūʻai liʻiliʻi loa: 20%
♦ITIN a me 1099 nā mea hōʻaiʻē kūpono
♦Ua ʻae ʻia ʻo DTI ma mua o 50%.
E ʻoluʻolu e kelepona mai no ke kumukūʻai:
• hōʻaiʻē amt $3.5M-$20.0M • 1 Makahiki piha Doc LTV >80% • Waiwai Kūʻai
No ke aha mākou e koho ai i ka Bank Statement?
ʻOiai ʻo ka hapa nui o nā mea hale e hiki ke maʻalahi me nā palapala piha no kahi moraki maʻamau, ʻaʻole nui ka poʻe i kūpono i nā alakaʻi Fannie a me Freddie i ka wā e pili ana i nā koi hōʻaiʻē. ʻO ka mea pōmaikaʻi, ʻo nā hōʻaiʻē Non-QM a me nā palapala hōʻike kālā kālā he hopena maikaʻi loa ia no kēia mau mea hōʻaiʻē kuʻuna ʻole.
Loaʻa i nā poʻe hana ponoʻī ka ʻae e kākau i nā lilo ʻoihana he nui ma lalo o ka IRS Tax Code. ʻO ke kākau ʻana i nā lilo ʻoihana mai kā lākou loaʻa kālā nui e kōkua i ka poʻe ʻaiʻē e hōʻemi nui i kā lākou ʻauhau ʻauhau, a i kekahi manawa hōʻike ia i ka pohō a i ʻole ka loaʻa kālā maikaʻi ʻole no ka makahiki. Hiki i ka Bank Statement Non-QM Loan ke kōkua i kēia poʻe hōʻaiʻē e hoʻokō i kahi moraki me ka ʻole o ka hōʻike ʻana i kā lākou ʻauhau ʻauhau a hoʻohana i kā lākou hōʻike panakō e hōʻike i ke kahe kālā maoli o kā lākou ʻoihana.
No wai kēia papahana i hoʻolālā ʻia?
Hoʻolālā ʻia kēia papahana no ka poʻe ʻaiʻē i hana ponoʻī a e pōmaikaʻi ana i nā ʻano hana hōʻaiʻē ʻē aʻe. Hiki ke hoʻohana ʻia nā ʻōlelo panakō ma ke ʻano he mea ʻē aʻe i ka hoʻihoʻi ʻauhau e palapala i ka loaʻa kālā o ka mea hōʻaiʻē hoʻolimalima. Ma ke ʻano he hōʻoia o ka loaʻa kālā, ʻae ʻia nā ʻōlelo panakō pilikino a/a ʻoihana paha.
Pono ka liʻiliʻi o hoʻokahi o nā mea hōʻaiʻē e hoʻolimalima iā lākou iho no ka liʻiliʻi o 2 mau makahiki e hiki ai i kēia papahana. ʻO ka liʻiliʻi liʻiliʻi o 25% i ka ʻoihana he mea pono hoʻi. He koi maʻamau kēia e hoʻoholo ai inā he mea hōʻaiʻē hoʻolimalima ka mea hōʻaiʻē. Ma nā hōʻaiʻē ʻoihana, ʻike mau mākou iā K-1 a i ʻole Hōʻike G; ʻoiai no nā hōʻaiʻē Non-QM, pono mākou i kahi leka CPA e hōʻoia i ka kuleana maoli.
ʻO ka mea maʻamau, e helu ka mea hāʻawi i ka loaʻa kālā kūpono ma o ka lawe ʻana i ka waiwai awelika o nā waihona ʻōlelo panakō i 12 a i ʻole 24 mau mahina, a laila hoʻonui ʻia me kahi kumu hoʻolimalima maʻamau. ʻO ia ka loaʻa kālā kūpono o ka mea hōʻaiʻē no kēia papahana.
No ka mea hoʻolimalima, nui nā mea hoʻopukapuka Non-QM i loaʻa i ka ratio maʻamau e like me 50%. ʻOiai ʻo kēia kā mākou koi maʻamau, akā inā hiki i kāu CPA ke hāʻawi i kahi leka me nā kumu kūpono, hiki iā mākou ke noʻonoʻo i kahi kumu hoʻolimalima maʻalahi ma muli o ke ʻano o ka ʻoihana he liʻiliʻi nā lilo.
E ʻoluʻolu e kelepona i kā mākou hui no ka loiloi manuahi o ka loaʻa kālā ma mua o ka waiho ʻana i ka hōʻaiʻē no ʻoe e kōkua maikaʻi aku i kāu poʻe kūʻai.
Palapala Hoʻolaha Bank
