Nā huahana
Nānā 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.
Laki:KIKI MANEI
Nā Manaʻo Polokalamu DSCR
Max. LTV
80%
Max. Ka nui o ka aie
$2M
Min. FICO
660
♦ Loaʻa ka loaʻa kālā hoʻolimalima
♦ ʻAe ʻia ka Lahui ʻē
♦ ʻApono ʻia ka mea hoʻopukapuka manawa mua
♦ ʻAe e pani ma lalo o LLC
♦ Hāʻawi ʻia ke kālā makana
♦ ʻAe ʻia ka hoʻololi ʻana i ka loiloi
♦ Pono ka hoolimalima no ka manawa pokole
♦ ITIN (Min DSCR 1.0)
E ʻoluʻolu e kelepona mai no ke kumukūʻai:
• FICO 620-659
• Uku lohi ka moraki
• hoolimalima no ka manawa pokole
• 'Ai'e $2.0 miliona
• LTV Lahui ʻē aʻe>70% a i ʻole ITIN LTV>75%
• Waiwai kuaaina
Pehea e helu ai i ka DSCR?
No nā hōʻaiʻē moraki hale, pili ʻo DSCR i ka lakio o ka loaʻa kālā hoʻolimalima o kēlā me kēia mahina o kahi waiwai hoʻopukapuka i ka nui o nā lilo hale. Hiki i kēia mau lilo ke komo i ke kumupaʻa, ukupanee, ʻauhau waiwai, ʻinikua, a me nā uku HOA. ʻO nā lilo ʻaʻole i hana maoli ʻia e hoʻopaʻa ʻia ma ke ʻano 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". I kā mākou huahana hōʻaiʻē maʻamau, pono mākou e hoʻohālikelike i ka loaʻa kālā o ka poʻe hōʻaiʻē me ka PITI o kēlā me kēia mahina (Principal, Interest, Taxes, Insurance) me nā uku HOA a me nā kuleana ʻē aʻe o ka waiwai i moraki e hoʻoholo ai inā kūpono ka hōʻaiʻē.
Nā pōmaikaʻi o DSCR
ʻAʻohe ratio DSCR he huahana hōʻaiʻē ʻaʻole hōʻoia a koi ʻole i ka loaʻa kālā o ka mea hōʻaiʻē no ka mea ʻaʻole pili ia i ka helu ʻana o DTI (Debt-To-Income Ratio). ʻO ka mea nui, ʻo ka liʻiliʻi o DSCR (Debt Service Coverage Ratio) 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.
Eia kekahi, ua wehe ʻia kēia papahana i nā ʻāina ʻē, ʻoi aku ka poʻe me nā visa F1. Inā he lāhui ʻē ʻoe a ʻaʻole hiki iā ʻoe ke kūpono no ka hōʻaiʻē moraki maʻamau, e ʻoluʻolu e kelepona mai iā mākou e kūkākūkā i kāu ʻano hōʻaiʻē.
Lele DSCR
