Nānā nui
Maʻalahi Hoʻoholo Paʻa Paʻa ʻElua.
Manawa Loan: Paʻa;Baluna 15 makahiki.
Nā kikoʻī
1) Loaʻa iā Standalone a me Piggyback's Second Loan;
2) Loaʻa ka waiwai kumu a me ka waiwai hoʻopukapuka;
3) ʻAʻohe hoʻopaʻi i uku mua ʻia;
4) ʻAʻohe Pono e mālama ʻia;
5) Ka nui o ka hōʻaiʻē: $75,001 - $450,000;
6) Max.CLTV: 85%.
* Hoʻopili ʻia ka nui o ka hōʻaiʻē i ka $100 kokoke loa
Palapala Loaʻa
Option1: Bank Statements - 12 Mths Personal & Business Bank Stmts
★ Pilikino & Pāʻoihana-Hoʻohui a ʻOihana (12mo.):
§ Pono kekahi o nā mea hōʻaiʻē e hoʻolimalima iā lākou iho no 2 mau makahiki aʻe (25% a ʻoi aku paha ka ʻona);
§ Ua ʻae ʻia ka hoʻopau ʻana o ka waiwai me ka palapala Bank Statement;
§ Pili nā kumu hoʻolimalima maʻamau: 50% kumu hoʻolimalima:
①Inā holo ka ʻoihana < kumu hoʻolimalima maʻamau, P&L a i ʻole palapala hoʻolimalima mai CPA, CTEC (California Tax Education Council), a i ʻole EA (Enrolled Agent) pono;
② ʻO ka helu hoʻolimalima liʻiliʻi me ka 3rd party i hoʻomākaukau ʻia P&L a i ʻole leka he 20%.
★Kōʻokoʻa & Pāʻoihana (12mo.):
① Pono e hoʻolimalima i hoʻokahi o ka poʻe hōʻaiʻē no ka liʻiliʻi o 2 mau makahiki (25% a ʻoi aku paha ka ʻona);
②ʻAe ʻia ka hoʻopau ʻana o ka waiwai me nā palapala hōʻike Bank;
③Personal i hoʻohana ʻia no ke kūpono, ʻoihana 3 mahina e hōʻike i nā kahe kālā ʻoihana i mea e hoʻohana ai i ka 100% o nā waihona pili i ka ʻoihana i loko o ka moʻokāki pilikino (ʻaʻohe kumu hoʻolimalima).
Koho2: Palapala piha - 1 makahiki & 2 makahiki
Kuhikuhi Nui
★30/15 makahiki Baluna & 40/15 makahiki Baluna min aie $200k.
★ ʻO nā Liens Hui Nui - $2 M.
★ ʻO nā ʻōlelo panakō 2 mau mahina hou e koi ʻia.
★ ʻAno Waiwai - SFR, PUD, Condo-Warrantable.
★ ʻAʻole kūpono nā waiwai i helu ʻia no ke kūʻai ʻana i nā mahina he 12 i hala.
★Nā mea hōʻaiʻē - Ua kūpono no ke kamaʻāina ʻo ʻAmelika, ka malihini noho paʻa ʻole (me ka hōʻaiʻē US), ka malihini noho mau.ʻAʻole kūpono no nā mea hōʻaiʻē noho ʻole a me nā hui.
★3 laina kalepa e hōʻike ana no 12+ mahina a i ʻole 2 laina kalepa e hōʻike ana no 24+ mau mahina me ka hana i nā mahina he 12 i hala.
★Ka Hoʻolāʻau Hōʻaiʻē Hōʻaiʻē - 48 mahina - Paʻa, kūʻai pōkole, palapala pani, banekorupa.ʻAʻohe hanana he nui i nā makahiki 7 i hala.
★Derogatory Credit - ʻAʻohe wehe a hōʻiliʻili i loko o 48 mahina.ʻAʻohe laina kalepa i ka pani ʻana.
★Lates Hale - 0x30x12 Ma nā moraki a pau no nā mea ʻaiʻē a pau.ʻO ka liʻiliʻi he 12 mau mahina e pono ai ka mōʻaukala hale.
★Koina Loiloi:
①Loaʻa mua i loko o 12 mahina + Loiloi Hoʻolālā Noho.Pono ka waiwai o ka loiloi e like a ʻoi aku paha ma mua o ka loiloi;
②Ka loiloi hou 2055 a me ka loiloi loiloi hale e kākoʻo ana i ka waiwai i loko o 10% o ka ʻokoʻa.ʻO lalo o ʻelua mau waiwai e hoʻohana ʻia;
③Ke emi iho nei nā mākeke ma kahi o 75% CLTV ma ka Owner Occupied/2nd Home.ʻO 70% CLTV kiʻekiʻe loa ma luna o ka mea ʻole i noho ʻia.
