Ibicuruzwa
Incamake ya DSCR
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.
Igipimo:KANDA HANO
Gahunda ya DSCR
Icyiza. LTV
80%
Icyiza. Amafaranga y'inguzanyo
$ 2M
Min. FICO
660
Om Amafaranga yinjira mu bukode yujuje ibisabwa
♦ Abanyamahanga Bemerewe
♦ Ubwa mbere Umushoramari Yemewe
. Emerera Gufunga Munsi ya LLC
Funds Amafaranga yatanzwe
Trans Kwimura Isuzuma biremewe
♦ Gukodesha Igihe gito
ITIN (Min DSCR 1.0)
Nyamuneka hamagara igiciro:
• FICO 620-659
Inguzanyo yatinze kwishyura
• Gukodesha igihe gito
• Inguzanyo amt> miliyoni 2.0 z'amadolari
• Amahanga yo mu mahanga LTV> 70% cyangwa ITIN LTV> 75%
• Umutungo wo mu cyaro
Nigute Kubara DSCR?
Ku nguzanyo zinguzanyo zamazu, DSCR bivuga igipimo cyamafaranga yinjira mubukode bwumutungo wishoramari hamwe namazu yose yakoreshejwe. Aya mafaranga ashobora kuba akubiyemo ibyingenzi, inyungu, umusoro ku mutungo, ubwishingizi, n'amafaranga ya HOA. Amafaranga yose atakoreshejwe azandikwa nka 0. Iyo igipimo kiri hasi, niko ibyago byinguzanyo byiyongera. Irashobora kugaragazwa muri ibi bikurikira:
Dutanga "Nta kigereranyo DSCR" kubakiriya bacu, bivuze ko igipimo gishobora kumanuka kuri "0". Mubicuruzwa byacu bisanzwe byinguzanyo, dukeneye kugereranya amafaranga yabatijwe ninguzanyo na PITI ya buri kwezi (Umuyobozi, Inyungu, Imisoro, Ubwishingizi) hiyongereyeho amafaranga yose ya HOA hamwe nindi myenda yumutungo watanzweho ingwate kugirango tumenye niba inguzanyo yujuje ibisabwa.
Inyungu za DSCR
Nta kigereranyo DSCR nigicuruzwa cyinguzanyo kitagenzura cyangwa gisaba uwagurijwe amafaranga yinjiza kuko kitarimo kubara DTI (Igipimo cyimyenda-yinjira). Icyangombwa, byibuze DSCR (Igipimo cya Service Coverage Ratio) irashobora kuba munsi ya 0. Nubwo amafaranga yubukode ari make, turashobora kubikora! Iri ni ihitamo ryiza kubagurijwe bafite amafaranga make cyangwa imyenda myinshi.Ibi bituma ihitamo neza ndetse nabafite amafaranga make yubukode, bigatuma ihitamo ryiza kubaguriza bafite amafaranga make cyangwa imyenda myinshi.
Byongeye kandi, iyi gahunda irakinguye kandi Abanyamahanga, cyane cyane abafite viza ya F1. Niba uri umunyamahanga kandi ukaba udashobora kwemererwa kubona inguzanyo isanzwe, nyamuneka twandikire kugirango tuganire kubyerekeye inguzanyo yawe.
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