Ibicuruzwa byinshi - AAA Inguzanyo Atari QM DSCR (Igipimo cya Serivise Yimyenda Igipimo) Gahunda - Inguzanyo ya AAA numushoramari

Ibicuruzwa birambuye

Mugihe abatanga inguzanyo benshi bafite aho bagarukira, dukomeje kwagura ibikorwa byacu muri leta zitandukanye, dukorera abahawe inguzanyo muri leta 45, harimo amwe mumasoko akomeye nka California na Texas. Kugera kwacu kwagutse kudufasha gusobanukirwa no guhuza n'imiterere y'akarere, tukareba ko abakiriya bacu bo muri leta zitandukanye bahabwa inkunga yaho mugihe bagifite inyungu kubumenyi bwigihugu cyacu.Inguzanyo y'inguzanyo 2022,Umutungo ukodeshwa,Inguzanyo isanzwe Vs Inguzanyo, Mu rwego rwo kwiyemeza kuguma ku isonga mu nganda, dushora imari cyane mu ikoranabuhanga rigezweho kugira ngo gahunda yo gusaba inguzanyo no kwemezwa. Ibi ntabwo byihutisha gahunda yo gusaba gusa ahubwo binaguha amakuru yigihe-gihe kumiterere yinguzanyo yawe, biguha amahoro yumutima no gukuraho ukutamenya gushidikanya bishobora kuzanwa nuburyo bwo gutanga inguzanyo. Uburyo bwacu bushingiye ku buhanga butuma dushobora gutanga uburambe kandi bworoshye, bigatuma urugendo rwawe rugira nyiri urugo cyangwa gutera inkunga neza bishoboka.

- Inguzanyo ya AAA itari QM DSCR (Igipimo cya Coverage Coverage Igipimo) Gahunda - Inguzanyo ya AAA Ibisobanuro:

Amazina-6

Incamake

Gahunda ya DSCR (Igipimo cya Coverage Coverage).

Iyi niyo gahunda yoroshye muri gahunda zose zitari QM.

Amafaranga yinjiza / Imiterere y'akazi / Gusubiza imisoro ntabwo bisabwa.

Ingingo z'ingenzi

1) Amafaranga y'inguzanyo agera kuri $ 2M;
2) LTV igera kuri 75%;
3) Amanota y'inguzanyo 660 cyangwa arenga;
4) Irashobora gufunga ibigo;
5) Nta karimbi ku mubare wumutungo uterwa inkunga;
6) SFRs, 2-4 Units, Condos, Townhomes, Condotels, na Condos zitemewe.

DSCR ni iki?

Waba uzi kuzuza inguzanyo yinguzanyo yinzu nta makuru yakazi ninjiza?
Ntabwo wujuje ibyangombwa byinguzanyo zisanzwe?
Waba uzi gahunda y'inguzanyo aribicuruzwa byoroshye?
Urashaka kumenya gukoresha inyandiko zagabanijwe kugirango wemererwe inguzanyo?
Birakugoye cyane kubona inguzanyo yo murugo muruganda rwawe?

Dutanga gahunda nziza yinguzanyo kugirango duhaze ibintu byingenzi byavuzwe haruguru - Gahunda ya DSCR. Nibicuruzwa bizwi cyane Non-QM mu nguzanyo zinguzanyo zinzu.

DSCR (Igipimo cy'Imyenda Coverage Ratio) yagenewe abashoramari b'imitungo inararibonye kandi yujuje ibisabwa abahawe inguzanyo bashingiye kumafaranga ava mumitungo gusa kugirango basesengure ingaruka ziterwa nishoramari. Uyu munsi, twibanze ku gusobanura ibisobanuro bya DSCR no kwerekana ibanga rya gahunda ya DSCR duhereye ku ishoramari ryinguzanyo zamazu.

Nigute ushobora kubara DSCR?

Ku nguzanyo zinguzanyo zamazu, DSCR bivuga igipimo cyamafaranga yubukode bwukwezi kumazu yishoramari hamwe namafaranga yose yimiturire (nkibanze, inyungu, umusoro wubutaka, ubwishingizi namafaranga yo gucunga (niba hari amafaranga atakoreshejwe mubyukuri, azandikwa nka 0)). Iyo igipimo kiri hasi, niko ibyago byinshi byinguzanyo. Irashobora kugaragazwa muri ibi bikurikira:

burambuye

Dutanga "Nta kigereranyo DSCR" kubakiriya bacu, bivuze ko igipimo gishobora kumanuka kugera kuri "0 ″. Mubicuruzwa byacu byinguzanyo bisanzwe, dukeneye kugereranya amafaranga twinjiza na PITIA ya buri kwezi (Ihame / Inyungu / Umusoro / Ubwishingizi / HOA) hamwe nindi myenda yinzu yatanzweho ingwate kugirango tumenye niba inguzanyo ishobora kuzuza ibisabwa.

DSCR

Inyungu za DSCR

Nta kigereranyo DSCR, ibicuruzwa byinguzanyo bitagenzura ibyinjira, nta bisabwa byinjiza uwagurijwe kuko bitarimo kubara DTI. Umubare ntarengwa wa DSCR urashobora kuba munsi ya 0. Nubwo amafaranga yubukode ari make, turashobora kubikora! Iri ni ihitamo ryiza kubaguriza bafite amafaranga make cyangwa imyenda myinshi.

Uretse ibyo, Abanyamahanga bemewe niyi gahunda, cyane cyane na viza ya F1. Niba uri umunyamahanga, kandi ukaba udashobora kwemererwa ninguzanyo isanzwe yinguzanyo, twandikire hanyuma ubone inguzanyo yawe.

Ibicuruzwa birambuye:

Ibicuruzwa bifitanye isano:

Gutegura ejo hazaza h'amafaranga utangirana numufatanyabikorwa ukwiye, kandi kuri AAA LENDINGS, twiyemeje kugufasha kugera kuntego zawe. Twumva ko urugendo rugana nyiri urugo rushobora gushimisha ariko nanone rutoroshye. Abanyamwuga bacu b'inararibonye ntibarenze inzobere mu gutanga inguzanyo; ni abafatanyabikorwa bawe. Barahari kugirango baganire ku ntego zawe, gusuzuma uko ubukungu bwifashe, no gutanga ubuyobozi bwihariye bugushimisha. Twishimiye kuba ukuboko kukuyobora kuguha imbaraga zo gufata ibyemezo byuzuye kubyerekeye ejo hazaza hawe. - Inguzanyo ya AAA Non-QM DSCR (Igipimo cya Coverage Service Coverage Ratio) - Inguzanyo ya AAA, Ibicuruzwa bizatanga ku isi yose, nka: Angola, Ubusuwisi, Ubudage, Ibicuruzwa byacu bikorerwa hamwe nibikoresho byiza byiza. Buri mwanya, duhora tunoza gahunda yumusaruro. Kugirango tumenye neza na serivisi nziza, twibanze ku buryo bwo gukora. Twabonye ishimwe ryinshi nabafatanyabikorwa. Dutegereje gushiraho umubano wubucuruzi nawe.

-AAA Inguzanyo