Nānā DSCR
DSCR(Ai'ē Coverage Ratio) Polokalamu.
ʻO kēia ka papahana maʻalahi ma waena o nā papahana Non-QM.
ʻAʻole koi ʻia ka loaʻa kālā / kūlana hana / hoʻihoʻi ʻauhau.
Nā Manaʻo Polokalamu DSCR
1) Max.LTV: 80%;
2) Max.Ka nui o ka aie $2,000,000;
3) Min.FICO: 680;
4) ʻAe ʻia ka Lahui ʻē.
E ʻoluʻolu e kelepona mai no ke kumukūʻai e pili anaHome Hana ʻia, 5-10 Units a me ka hōʻaiʻē at > $2.0 miliona.
He aha ka 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 -DSCRpapahana.ʻO ia ka huahana Non-QM kaulana loa i nā hōʻaiʻē moraki hale.
DSCR(Debt Service Coverage Ratio) ua hoʻolālā ʻia no nā mea hoʻopukapuka waiwai ʻike a hoʻokō i nā mea hōʻaiʻē ma muli o ke kahe kālā wale nō mai ka waiwai kumuhana e kālailai i ka pae 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.
Nā Kūlana DSCR
| Na waiwai | ★Ua koi ʻia ka ʻōlelo panakō 2 mahina hou loa. ★100% palapala komo i loaʻa mai nā mea hui a pau. ★Ua ʻae ʻia nā kālā makana no ka hoʻohana ʻana i ka uku mua a me nā koina hōʻaiʻē. ★Stocks/Bond/Mutual Funds - 90% o nā waihona waihona hiki ke noʻonoʻo ʻia i ka helu ʻana i nā waiwai no ka pani ʻana i nā kumukūʻai a me nā mālama. ★Nā waihona kālā hoʻomaha hoʻomaha - 80% hiki ke noʻonoʻo ʻia no ka pani ʻana a/a i ʻole ka mālama ʻana. ★Ke hoʻohana ʻia nā ʻōlelo panakō, pono e loiloi ʻia nā waihona nui. |
| Hoʻokaʻawale | ★ nā mea mālama: Loan Amt $125,001-$1,000,000: 6 Mahina PITIA; Loan Amt $1,000,001 - 1,500,000 : 9 mahina PITIA; Loan Amt $1,500,001 - 2,000,000: 12 mahina PITIA ★ Hiki ke hoʻohana ʻia nā mea i loaʻa ma ke ʻano he waihona. ★ ʻAʻole ʻae ʻia nā laina kaulike o ka hōʻaiʻē a me nā kālā makana no ka hoʻokō ʻana i nā koi mālama. |
| aie | ★Pono i loko o ka moʻolelo hōʻaiʻē ʻelua (2) ka liʻiliʻi loa i loko o nā mahina he iwakāluakūmāhā (24) i hala e hōʻike ana i ka mōʻaukala he ʻumikūmālua (12) mahina, a i ʻole kahi hōʻike hōʻaiʻē hui ma waena o Borrower a me ka Co-Borrower me ka liʻiliʻi loa. o ekolu (3) laina kalepa |
| Hanana aie | ★Moraki moraki:0 x 30 x 12. ★ Mea hoʻolāʻau Foreclosure : 36 mahina ★Short Sale/DIL Seasoning:36 mahina ★BK Mea hoʻolaʻa: 36 mahina |
| Hana & Loaʻa | ★ ʻAʻole pono. |
| Loiloi | ★Nā hōʻaiʻē ≤ $1,500,000 = 1 Hoʻohālikelike piha (ARR, CDA a i ʻole FNMA CU ʻO ka helu pilikia o 2.5 a i ʻole ka liʻiliʻi e koi ʻia me ka loiloi) ★Nālā hōʻaiʻē > $1,500,000 a i ʻole "flip" transaction = ʻElua mau loiloi piha |
| Nā Koina ʻē aʻe | ★ ʻAʻole kūpono nā mea kūʻai hale no ka manawa mua. ★Max Waiwai Waiwai: 20 ★ ʻAʻohe PPP wale nō. ★ ʻO ka uku uku mua ka 5% o ke koena aie. |
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.
