U.S.

Kikowaena Huahana

Huahana Huahana

Nānā nui

ʻO nā mea hōʻaiʻē hoʻolimalima wale nō, ʻaʻole hiki iā lākou ke hele me nā hōʻaiʻē moraki, ʻaʻole makemake e hāʻawi i nā ʻano palapala kālā.

P&L 2

Nā kikoʻī

1) A hiki i $2.5M ka nui o ka aie;
2) A hiki i ka 75% LTV;
3) 620 a ʻoi aku paha nā helu ʻaiʻē;
4) Loaʻa nā lāhui haole**
5) ʻAʻole MI (Inikua moraki);
6) Lakiō DTI-- Mua 38%/ Mua 43%;
7) ʻAe ʻia ka P&L i hoʻomākaukau ʻia e ka mea hōʻaiʻē**

He aha kēia papahana?ʻO wai ka mea hiki ke noi no kēia papahana?

• He kanaka hōʻaiʻē ʻoe iā ʻoe iho?
• Ua koi ka mea hāʻawi i kāu mau ʻōlelo panakō ʻoihana e loaʻa ai ka hōʻaiʻē kūpono?A i ʻole i koi ʻia kāu mea hōʻaiʻē moraki iā ʻoe e kau inoa i ka hoʻihoʻi ʻauhau a pono i nā kope?
• Ua hoʻokuʻu ʻia a hōʻole ʻia paha ʻoe e nā ʻoihana hāʻawi kālā?Ua ʻōlelo paha nā mea hāʻawi kālā "Ma kā mākou alakaʻi"
• Maopopo iā ʻoe pehea e hiki ai iā ʻoe ke hōʻaiʻē hale me ka ʻole o nā palapala loaʻa?ʻOiai ʻo ka hoʻihoʻi ʻana i ka ʻauhau / ʻōlelo panakō ʻoihana, etc.

Hāʻawi mākou ʻo AAA Lendings i kahi papahana hōʻaiʻē Non-QM kūpono i hoʻohana ʻia i nā kūlana i luna, i kapa ʻia ʻo P&L (Profit & Loss).Hoʻolālā ʻia kēia papahana no ka poʻe ʻaiʻē i hana ponoʻī a e pōmaikaʻi lākou mai nā ʻano hana hōʻaiʻē ʻē aʻe.ʻO ia ka pōmaikaʻi maikaʻi loa no ka poʻe paʻahana ponoʻī.Hiki ke hoʻohana ʻia kahi CPA/CTEC/EA i hoʻopau a pūlima ʻia ma ke ʻano he ʻokoʻa i ka hoʻihoʻi ʻauhau no ka palapala ʻana i ka loaʻa kālā o ka mea hōʻaiʻē hoʻolimalima.I kekahi manawa, ʻae mākou i ka mea hōʻaiʻē i hoʻomākaukau ʻia ʻo P&L, ʻo ia hoʻi kahi pōmaikaʻi maikaʻi no kekahi poʻe ʻaiʻē.

No ke aha i hoʻolālā ʻia ai kēia papahana?

No ka poʻe ʻaiʻē hoʻohana ponoʻī, ʻoi aku ka maikaʻi o ka papahana ʻōlelo panakō 12/24 mahina, no ka mea, ʻaʻole pono kēia papahana i nā ʻauhau ʻauhau a me nā ʻōlelo panakō ʻoihana.Eia nō naʻe, inā loaʻa i kekahi poʻe mea noi kahi ʻoihana, he paʻakikī ke kūlana kālā me nā ʻōlelo panakō he nui, ʻo ka papahana P&L paha ke koho maikaʻi loa iā ʻoe.Mai ka 12/24 mahina ka papahana ʻōlelo panakō he palena e pili ana i ka koi o nā ʻōlelo panakō;max paha.ʻEkolu mau waihona waihona kālā no hoʻokahi ʻoihana, ʻo ia paha ka palena e alakaʻi ai i ka papahana P&L.

He aha kāu e hoʻomākaukau ai no ka ʻae wikiwiki?

Ke hāʻawi ʻoe i ka hōʻaiʻē i ka poʻe hāʻawi kālā, pono paha lākou i kahi YTD (Makahiki-lā) P&L (a i ʻole P&L o ka makahiki ma mua i kekahi manawa), laikini pāʻoihana, leka CPA, a pēlā aku. ka waiho ʻana a i ʻole ke ʻae ʻia ka hōʻaiʻē.
Ma waho aʻe, pono ʻoe e nānā me kā mākou hui hoʻouna e helu mua i ka loaʻa kālā

P&L 1
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    • PiliHANA

    E kaomi i ke komo no ka huli ʻana a i ʻole ESC e pani