Kikowaena Huahana

Huahana Huahana

Papahana waihona

Nānā nui

Hoʻolaha Banako Portfolio
Palapala DSCR
Portfolio ʻĀina ʻē DSCR

* Kūʻai wale

Nā kikoʻī

1) 5/6 ARM 30 Lā Awelika SOFR (5/1/5);
2) Lakiō kūʻai iho ma lalo o ka pā 1:2;
3) Max.Ka nui o ka aie $5,000,000.

* ʻAʻole ʻae ʻia ka lakio kūʻai ma luna o ka par

Hoʻolaha Banako Portfolio

1) Uku UW $1495 & Uku Hooponopono $845;

2) Uku Hoʻoholo Manaʻo Trust/Entity $300, inā pili;

3) ʻO ka loaʻa kālā ma ka Bank State Max.LTV 65%;

4) Hōʻike Bank - ʻO ka ukupanee wale nō Max.LTV 60%;

5) Min.Ka nui o ka aie $500,000;

6) ʻĀina ʻē - ʻAʻole kūpono;

7) ʻO ka uku hoʻopaʻi ma mua o 18 mau mahina e like me 6 mahina ukupanee;

8) Min.12 mahina PITIA ma ke kumuhana waiwai e like me nā mālama;

9) Hoʻokoe: hihia ma ka hihia no ka hōʻaiʻē nui ≤ $500k me 0.5 i hoʻololi ʻia i ka uku.

 

Palapala DSCR

1) Uku UW $1495 & Uku Hooponopono $845;

2) Nānā Manaʻo Trust/Entity $300, inā pili;

3) Min.Ka nui o ka aie $500,000;

4) ʻĀina ʻē - ʻAʻole kūpono;

5) Min.DSCR 1.000;

6) Hāʻawi ʻia ka hōʻaiʻē i ke kanaka maoli - ʻaʻohe mea hōʻaiʻē;

7) 2-4 Pono ka Waiwai Unite a he 5% Hoemi i Max.Nā LTV/CLTV ma ka Matrix;

8) ʻO ka uku hoʻopaʻi ma mua o 18 mau mahina me 6 mahina ukupanee;

9) Min.12 mahina PITIA ma ke kumuhana waiwai e like me nā mālama;

10) Hoʻokoe: hihia ma ka hihia no ka hōʻaiʻē ≤ $500k me 0.5 i hoʻololi ʻia i ka uku.

 

Kālā FN DSCR

1) Uku UW $1495 & Uku Hooponopono $845;

2) Nānā Manaʻo Trust/Entity $300, inā pili;

3) Nānā Lahui ʻAina ʻē $250;

4) Min.Ka huina kālā $500,000;

5) Min.DSCR 1.000;

6) ʻAʻole ʻae ʻia;

7) Mana o ka Loio - ʻAʻole ʻae ʻia;

8) ʻO ka hoʻopaʻi hoʻopaʻi mua (mea hoʻopukapuka wale nō) he 18 mahina a like me 6 mahina ukupanee.

9) Min.12 mahina PITIA ma ke kumuhana waiwai e like me nā mālama;

10) Hoʻokoe: hihia ma ka hihia no ka hōʻaiʻē ≤ $500k me 0.5 i hoʻololi ʻia i ka uku.

Pehea e helu ai i ka Portfolio DSCR?

E helu ʻia ka DSCR e like me kēia: DSCR = *Ka Loaʻa Hoʻolimalima Net ÷ Uku Mahina Pono (P a me I wale nō);

*Nā Loaʻa Hoʻolimalima Net = Nā Hoʻolimalima Nui * (1 - Kumu Hoʻolimalima);

Nā Kumu Hoʻolilo: Waiwai me ka ʻole HOA = 25%, Waiwai me HOA = 30%;

ʻO ka liʻiliʻi o ka hoʻolimalima o: Loaʻa kālā hoʻolimalima o kēia manawa a i ʻole ka nui ma ka 1007 i hāʻawi ʻia e ka mea loiloi e hōʻike ana i ka papa hoʻolimalima makeke i manaʻo ʻia.


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