Iziko leMveliso

Iinkcukacha zeMveliso

Inkqubo yePotfoliyo

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.


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