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.