Ikigo cyibicuruzwa

Incamake

Ibicuruzwa byoroshye muburyo butandukanye bwa porogaramu zitari QM.
Nta byinjira / Nta kazi / Nta musoro, nta kugereranya igipimo cya DTI nk'inguzanyo zisanzwe. Gusa niba umutungo wibintu ari umutungo wishoramari.

Ibisobanuro

1) Amafaranga agera kuri $ 2M y'inguzanyo;
2) Kugera kuri 80% Max LTV;
3) amanota 660 cyangwa arenga;
4) Irashobora gufunga ibice;
5) Nta karimbi ku mubare wumutungo uterwa inkunga;
6) SFRs, 2-4 Units, Condos, Inzu yumujyi, Condotels, na Condos zitemewe.

Gahunda ya DSCR

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. Ibikurikira, reka tugendere muri gahunda ya DSCR.

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:

Twebwe AAA Inguzanyo ubu dutanga "Nta kigereranyo DSCR" kubakiriya bacu, bivuze ko igipimo gishobora kumanuka kuri "0 ″. Mubicuruzwa byinguzanyo byamasezerano yacu, 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 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, iyo niyo gahunda ya DSCR, nicyo gicuruzwa kizwi cyane kitari 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. Ibikurikira, reka tugendere muri gahunda ya DSCR.

Ni izihe nyungu za gahunda ya DSCR?

Nta kigereranyo DSCR, ibicuruzwa byinguzanyo bitagenzura ibyinjira, nta bisabwa byinjiza abashyitsi, kuko iki gicuruzwa cyinguzanyo ntikirimo kubara DTI. Umubare ntarengwa wa DSCR urashobora kuba munsi ya 0. Nubwo ubukode bwinzu ari buke, turashobora kubikora! Iri ni ihitamo ryiza kubashyitsi 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.

Amabwiriza yacu aroroshye kandi niba inguzanyo yawe yumvikana tuzagufasha kuyifunga vuba. Dufite itumanaho ryiza kandi twinjiza byihuse kubitari Non-QM, twandikire niba hari ibyo ukeneye.

Winjiza amafaranga menshi! Impuzandengo yacu yo gufunga ni munsi yibyumweru 3 kandi turafunga nta mananiza. Tekereza uburyo aboherejwe baziyongera.