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
I-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
I-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 - alifanelekanga;
5) Umz.I-DSCR 1.000;
6) Imali-mboleko Eyenziwe kuMntu weNdalo - Akukho baBoleki beZiko;
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
I-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) Umz.I-DSCR 1.000;
6) Inzala Kuphela - Ayivumelekanga;
7) Amandla eGqwetha - Ayivumelekanga;
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.