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

Ibicuruzwa birambuye

Ibyo twiyemeje gukorera mu mucyo birenze ibyiciro byambere byinguzanyo. Turemeza ko wunvise neza amasezerano yinguzanyo yawe, harimo igipimo cyinyungu, amafaranga, nigiciro cyo gufunga. Ntibitangaje kumunsi wo gusoza. Twiyemeje kuguha ibisobanuro bitaziguye, bidafite jargon, kuburyo ushobora kwizera neza kugendana namafaranga yo kugura inzu cyangwa gutunganywa.Pennsylvania Mortgage Broker Cyangwa Utanga Inguzanyo,Inguzanyo zinguzanyo zisabwa,Icyuho cy'inguzanyo isanzwe mu kazi, Twumva ko gutunga amazu ari ishoramari rikomeye, kandi ushaka kumenya neza ko uhitamo neza. Niyo mpamvu dutanga serivisi mbere yo kwemeza igushimisha. Ibikorwa byacu byabanje kwemezwa birihuta kandi byoroshye, biguha ishusho isobanutse yubushobozi bwawe bwo kuguza. Hamwe naya makuru mu ntoki, urashobora gushakisha byimazeyo isoko ryimitungo itimukanwa, uzi ko uri umuguzi ukomeye kandi wujuje ibyangombwa.

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

Amazina-6

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:

burambuye

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

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.

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.

Ibicuruzwa birambuye:

Ibicuruzwa bifitanye isano:

Kuri benshi mubakiriya bacu, inguzanyo irenze kugurisha amafaranga gusa; ni intambwe ikomeye y'ubuzima. Waba uri ubwa mbere ugura urugo cyangwa umushoramari utimukanwa ufite uburambe, twegereye buri porogaramu nitonze kandi ikwiye. Dufata umwanya wo gusobanukirwa intego zawe n'ibyifuzo byawe, tukemeza ko inguzanyo yawe ihuye nicyerekezo cyawe cy'ejo hazaza. - Inguzanyo za AAA Non-QM DSCR (Igipimo cya Coverage Service Coverage Ratio) - Inguzanyo ya AAA, Igicuruzwa kizatanga ku isi yose, nka: Muscat, Anguilla, Ubuholandi, Ibicuruzwa byacu byatsindiye izina ryiza muri buri gihugu gifitanye isano. Kuberako ishyirwaho ryikigo cyacu. twatsimbaraye kubikorwa byacu byo guhanga udushya hamwe nuburyo bugezweho bwo gucunga uburyo bugezweho, dukurura impano zitari nke muri uru ruganda. Dufata igisubizo cyiza nkimiterere yacu yingenzi.

-AAA Inguzanyo