Hua'ōlelo: No paystub;ʻAʻole W2;ʻAʻohe Hoʻihoʻi ʻauhau;ʻAʻole 4506-T;ʻAʻohe DU/LP
Nā hōʻaiʻē QM ʻolehe mea e ae inā hōʻaiʻē moraki kūpono (QM)..ʻOi aku ke kikoʻī, aʻAʻole hōʻaiʻē QMʻaʻole koi ʻia e hālāwai me nā alakaʻi o ke aupuni pekelala a me ka Consumer Financial Protection Bureau (CFPB) no nā moraki kūpono.
1. Nā Palapala Loaʻa:
● (nā mea hōʻaiʻē uku): WVOE
● Nā mea hōʻaiʻē hana ponoʻī: P&L, CPA Letter a i ʻole;6 mahina waihona waihona a i ʻole;12/24 Nā ʻōlelo panakō;etc.
2. Waiwai:
● Uku Hoʻohaʻahaʻa + Uku pani pani + 6 mahina mālama (Ma ka liʻiliʻi loa, no ka waiwai kumuhana wale nō.)
● Hiki ke ʻae ʻia ka makana
3. Hōʻike loiloi:
Ma ka liʻiliʻi loa hoʻokahi hōʻike loiloi piha
4. FICO(Hōʻai kālā):
ʻO ka liʻiliʻi loa 620
5. LTV(Loan-to-Waiwai):
Max.90%
ʻOi loa aku
Papahana DSCR (Raio Ui Ui Aie):
1) ʻAʻole e hoʻokomo ʻia ka hana a ka mea hōʻaiʻē a i ʻole ka loaʻa kālā ma ka palapala noi;
2) ʻAʻole kūpono no ka mea nona ka hale a i ʻole ka hale lua;
3) ʻAʻohe lākiō DTI, hiki i ka mea hōʻaiʻē (nā) ke kūpono wale me ke kumuhana DSCR ratio (Ka liʻiliʻi 1.1);
4) Pehea e helu ai i ka lakio DSCR: Loaʻa kālā hoʻolimalima kumuhana/ uku PITIA kumuhana.
Ka manawa hoʻouna: Jan-21-2022