Ikigo cyibicuruzwa

Ibicuruzwa birambuye

DSCR

Incamake ya DSCR

DSCR(Igipimo cyo Gutanga Serivisi Yimyenda) Gahunda.

Iyi niyo gahunda yoroshye muri gahunda zose zitari QM.

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

Gahunda ya DSCR

1) Icyiza.LTV: 80%;
2) Icyiza.Inguzanyo ingana na $ 2.000.000;
3) Min.FICO: 680;
4) Abanyamahanga Bemerewe.

Nyamuneka hamagara kubiciroUrugo rwakozwe, 5-10 Units hamwe ninguzanyo amt> miliyoni 2.0 $.

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 -DSCRPorogaramu.Nibicuruzwa bizwi cyane Non-QM mu nguzanyo zinguzanyo zinzu.

DSCR.Uyu munsi, twibanze ku gusobanura ibisobanuro bya DSCR no kwerekana ibanga rya gahunda ya DSCR duhereye ku ishoramari ryinguzanyo zamazu.

Amabwiriza ya DSCR

Umutungo ★ Amezi 2 ashize impapuro za banki zisabwa.
Letter Ibaruwa yinjira 100% yabonetse kuri ba nyirayo bose.
Funds Impano zamafaranga ziremewe gukoreshwa muburyo bwo kwishyura no kwishyura inguzanyo.
Ocks Ububiko / Bond / Amafaranga ya mutuelle - 90% ya konti yimigabane irashobora gutekerezwa mukubara umutungo wo gufunga ibiciro nububiko.
Fund Amafaranga yatanzwe kuri konte yizabukuru - 80% arashobora gufatwa nkugusoza no / cyangwa kubika.
★ Iyo impapuro za banki zikoreshejwe, kubitsa binini bigomba gusuzumwa.
Ibigega Ibigega:
Inguzanyo Amt $ 125,001- $ 1.000.000: Amezi 6 PITIA;
Inguzanyo Amt $ 1.000.001 - 1.500.000: amezi 9 PITIA;
Inguzanyo Amt $ 1.500.001 - 2.000.000: amezi 12 PITIA
Amafaranga yinjiza arashobora gukoreshwa nkububiko.
Imirongo yinguzanyo yinguzanyo nimpano ntabwo byemewe kugirango byuzuze ibisabwa.
Inguzanyo ★ Buri mwirondoro w'inguzanyo ugomba gushyiramo byibuze imirongo ibiri (2) y'ubucuruzi mu mezi makumyabiri n'ane (24) ashize yerekana amateka y'amezi cumi n'abiri (12), cyangwa umwirondoro uhuriweho hagati y'uwagurijwe hamwe n’uwagurijwe hamwe byibuze ya bitatu (3)
Inguzanyo History Amateka yinguzanyo: 0 x 30 x 12.
Season Igihe cyo kwamburwa: amezi 36
Sale Igurisha rigufi / Igihe cya DIL: amezi 36
Ikiringo cya BK: amezi 36
Akazi & Amafaranga ★ Ntabwo bisabwa.
Isuzuma Amafaranga yinguzanyo angana na $ 1.500.000 = 1 Isuzumabumenyi ryuzuye (ARR, CDA cyangwa FNMA CU amanota yingaruka ya 2.5 cyangwa munsi yayo arasabwa hiyongereyeho isuzuma)
★ Inguzanyo ingana> $ 1.500.000 cyangwa "flip" transaction = Isuzuma ryuzuye
Ibindi Bisabwa ★ Ubwa mbere Abaguzi b'amazu ntibemerewe.
Property Umutungo watewe inkunga: 20
Investment MD Ishoramari rya No PPP gusa.
Pen Ibihano byishyuwe mbere ni 5% yinguzanyo isigaye.

Nigute ushobora 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 yakoreshejwe atazandikwa nka 0. Iyo igipimo kiri hasi, niko ibyago byinguzanyo byiyongera.Irashobora kugaragazwa muri ibi bikurikira:

burambuye

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.

DSCR

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 Serivisi ishinzwe imyenda) 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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