Iziko leMveliso

Isishwankathelo

Ingxelo yeBhanki yePotfoliyo
Ipotfoliyo DSCR
I-Potfoliyo ye-DSCR yeSizwe yaNgaphandle

* Ukuthengisa kuphela

Iinkcukacha

1) 5/6 ARM 30 Day Average SOFR (5/1/5);
2) Umlinganiselo wokuthenga phantsi kwesiqendu 1:2;
3) Ubukhulu. Imali-mboleko ye-$5,000,000.

* Umlinganiselo we-Buyup ngaphezu komlinganiselo ongamkelekanga

Ingxelo yeBhanki yePotfoliyo

1) Umrhumo we-UW $ 1495 kunye noMrhumo wokuLungiselela i-$845;

I-2) I-Trust / i-Entity Review Fee $ 300, ukuba ikhona;

3) Ingxelo yeBhanki yeNgeniso Max. LTV 65%;

4) Ingxelo yeBhanki - Inzala Kuphela Max. LTV 60%;

5) Umz. Imali-mboleko ye-$ 500,000;

6) Ilizwe langaphandle - Ayifanelekanga;

7) Iinyanga ezili-18 iSigwebo seNtlawulo yaPhambili silingana nenzala yeenyanga ezi-6;

8) Umz. Iinyanga ezili-12 ze-PITIA kwipropati yomxholo njengendawo yokugcina;

I-9) Ngaphandle: ityala ngetyala lemali-mboleko ≤ $ 500k kunye ne-0.5 ehlengahlengisiweyo kwintlawulo.

Ipotfoliyo DSCR

1) Umrhumo we-UW $ 1495 kunye noMrhumo wokuLungiselela i-$845;

I-2) Ukuthembela / ukuphononongwa kweQumrhu i-$ 300, ukuba ikhona;

3) Umz. Imali-mboleko ye-$ 500,000;

4) Ilizwe langaphandle - Ayifanelekanga;

5) Ubuncinci be-DSCR 1,000;

6) Imali-mboleko Eyenziwe kuMntu weNdalo – Akukho baBoleki baMaqumrhu;

7) I-2-4 yePropati yeYunithi ifanelekile kwaye i-5% iNcitshiswa kuMax. LTV/CLTVs kwiMatrix;

8) Iinyanga ezili-18 iSigwebo seNtlawulo yaPhambili silingana nenzala yeenyanga ezi-6;

9) Umz. Iinyanga ezili-12 ze-PITIA kwipropati yomxholo njengendawo yokugcina;

I-10) Ngaphandle: ityala ngetyala lemali-mboleko ≤ $ 500k kunye ne-0.5 ehlengahlengisiweyo kwintlawulo.

Iphothifoliyo ye-FN DSCR

1) Umrhumo we-UW $ 1495 kunye noMrhumo wokuLungiselela i-$845;

I-2) Ukuthembela / ukuphononongwa kweQumrhu i-$ 300, ukuba ikhona;

3) Ukuphononongwa kweSizwe sangaphandle kwe-$ 250;

4) Umz. Imali-mboleko ye-$ 500,000;

5) Ubuncinci be-DSCR 1,000;

6) Inzala Kuphela – Ayivumelekanga;

7) Amandla eGqwetha - Akavumelekanga;

I-8) Isohlwayo seNtlawulo yaPhambili (uMtyali-mali kuphela) ziinyanga ezili-18 kwaye zilingana nenzala yeenyanga ezi-6.

9) Umz. Iinyanga ezili-12 ze-PITIA kwipropati yomxholo njengendawo yokugcina;

I-10) Ngaphandle: ityala ngetyala lemali-mboleko ≤ $ 500k kunye ne-0.5 ehlengahlengisiweyo kwintlawulo.

Uyibala njani iPotfoliyo yeDSCR?

I-DSCR iya kubalwa ngolu hlobo lulandelayo: DSCR = *INgeniso yeNgeniso yeRenti ÷ Intlawulo yeNyanga Efanelekileyo (P kunye nam kuphela);

*INgeniso yeNgeniso yeRenti = Irenti ePheleleyo * (1 – Umba weNkcitho);

Imiba yeNkcitho: Ipropati ngaphandle kwe-HOA = 25%, iPropati ene-HOA = 30%;

Irenti iya kuba ngaphantsi koku: Ingeniso yerenti yangoku okanye isixa-mali esikwi-1007 esibonelelwa ngumxabisi obonisa ishedyuli eqikelelweyo yerenti yemarike.