Isikhungo Somkhiqizo

Uhlolojikelele

Isitatimende Sebhange Lephothifoliyo
Iphothifoliyo ye-DSCR
I-Portfolio Foreign National DSCR

* Ukuthengisa Kuphela

Imininingwane

1) 5/6 ARM 30 Day Average SOFR (5/1/5);
2) Isilinganiso sokuthenga ngaphansi kwesigaba 1:2;
3) Ibanga Lenani Lemalimboleko $500,000 - $5,000,000.

* Isilinganiso sokuthenga ngaphezu kwesilinganiso esingamukeleki

Isitatimende Sebhange Lephothifoliyo

1) Imali ye-UW $1495 & Imali Yokucubungula $845;

2) Imali Yokubuyekezwa Kwethenjwa/Yebhizinisi engu-$300, uma ikhona;

3) Imali Engenayo Yesitatimende Sebhange. I-LTV 65%;

4) Isitatimende Sebhange - Inzalo Kuphela Max. LTV 60%;

5) Imizuzu. Imali Ebolekiwe $500,000;

6) Izwe Langaphandle - Ayifaneleki;

7) Isijeziso Sokukhokha Ngaphambi Kwezinyanga Eziyi-18 silingana nenzalo yezinyanga eziyisi-6;

8) Imizuzu. Izinyanga eziyi-12 i-PITIA endaweni eyisihloko njengeziqiwi;

9) Okuhlukile: icala ngecala lemali ebolekiwe ≤ $500k no-0.5 olungiselwe inkokhelo.

Iphothifoliyo ye-DSCR

1) Imali ye-UW $1495 & Imali Yokucubungula $845;

2) Ukuthembela/Ukubuyekezwa Kwebhizinisi okungu-$300, uma kusebenza;

3) Imizuzu. Imali Ebolekiwe $500,000;

4) Izwe Langaphandle - Ayifaneleki;

5) Ubuncane be-DSCR 1,000;

6) Imalimboleko Eyenziwe Kumuntu Wemvelo - Abekho Ababoleki Benhlangano;

7) 2-4 Iyunithi Yezakhiwo Ifanelekile kanye Nokwehliswa ngo-5% ku-Max. LTV/CLTVs on Matrix;

8) Isijeziso Sokukhokha Ngaphambi Kwezinyanga Eziyi-18 silingana nenzalo yezinyanga eziyisi-6;

9) Imizuzu. Izinyanga eziyi-12 i-PITIA endaweni eyisihloko njengeziqiwi;

10) Okuhlukile: icala ngalinye lemali ebolekiwe ≤ $500k no-0.5 olungiselwe inkokhelo.

Iphothifoliyo ye-FN DSCR

1) Imali ye-UW $1495 & Imali Yokucubungula $845;

2) Ukuthembela/Ukubuyekezwa Kwebhizinisi okungu-$300, uma kusebenza;

3) Ukubuyekezwa Kwezwe Langaphandle $250;

4) Imizuzu. Imali Ebolekiwe $500,000;

5) Ubuncane be-DSCR 1,000;

6) Inzalo Kuphela - Ayivunyelwe;

7) Amandla Ommeli - Akavunyelwe;

8) Isijeziso Sokukhokha Ngaphambili (Umtshalizimali kuphela) izinyanga eziyi-18 futhi silingana nenzalo yezinyanga eziyisi-6.

9) Imizuzu. Izinyanga eziyi-12 i-PITIA endaweni eyisihloko njengeziqiwi;

10) Okuhlukile: icala ngalinye lemali ebolekiwe ≤ $500k no-0.5 olungiselwe inkokhelo.

Ibalwa kanjani i-Portfolio DSCR?

I-DSCR izobalwa ngale ndlela elandelayo: DSCR = *Isamba Semali Engenayo Yokuqasha ÷ Inkokhelo Yanyanga Zonke Efanelekayo (P kanye nami kuphela);

*Imali Engenayo Yokuqasha = Isamba Semali Yokuqasha * (1 – Isici Sezindleko);

Izici Zezindleko: Impahla engena-HOA = 25%, Impahla ene-HOA = 30%;

Irenti izoba ngaphansi kwalokhu: Imali engenayo yokuqashisa yamanje noma inani eliku-1007 elihlinzekwe umhlaziyi elibonisa ishejuli yokuqasha emakethe.