Uhlolojikelele lwe-DSCR
I-DSCR(Isikweleti Service Coverage Ratio) Uhlelo.
Lolu wuhlelo olulula phakathi kwazo zonke izinhlelo ezingezona ze-QM.
Iholo / Isimo Sokuqashwa / Imbuyiselo Yentela ayidingeki.
Amaphuzu avelele wohlelo lwe-DSCR
1) Ubukhulu.I-LTV: 80%;
2) Ubukhulu.Imali Ebolekiwe $2,000,000;
3) Imizuzu.I-FICO: 680;
4) Izwe Langaphandle Livunyelwe.
Sicela ushayele intengo mayelanaIkhaya Elikhiqiziwe , Amayunithi angu-5-10 kanye nemalimboleko amt > $2.0 wezigidi.
Iyini i-DSCR?
Uyazi ukuthi ungayifanelekela kanjani imali mboleko yendlu ngaphandle kolwazi lomsebenzi kanye neholo?
Awufaneleki yini ngezimali mboleko ezijwayelekile ze-mortgage?
Uyazi ukuthi yiluphi uhlelo lwemalimboleko oluwumkhiqizo olula?
Uyafuna ukwazi ukuthi ungawasebenzisa kanjani amadokhumenti ancishisiwe ukuze ufanelekele ukubolekwa imali?
Ingabe kunzima kakhulu kuwe ukuthola imali mboleko yezindlu embonini yakho?
Sihlinzeka ngohlelo lwemalimboleko oluphelele ukwanelisa izici ezibalulekile ezingenhla -I-DSCRuhlelo.Ingumkhiqizo odume kakhulu we-Non-QM emalini ebolekiwe yezindlu.
I-DSCR(I-Debt Service Coverage Ratio) yakhelwe abatshalizimali abanolwazi lwezindlu ezithengiswayo futhi ifanelekela ababolekayo ngokusekelwe ekugelezeni kwemali kuphela okuvela endaweni exoxwayo ukuze kuhlaziywe izinga lengozi yokutshalwa kwezimali.Namuhla, sigxile ekuqondeni incazelo ye-DSCR kanye nokwembula impicabadala yohlelo lwe-DSCR ngokombono wokutshalwa kwezimali kwezindlu.
Imihlahlandlela ye-DSCR
| Izimpahla | ★Isitatimende sasebhange sezinyanga ezi-2 sakamuva esidingekayo. ★100% incwadi yokufinyelela etholwe kubo bonke abanikazi abahlanganyelwe. ★Izimali zezipho zamukelekile ukuthi zisetshenziselwe ukwehlisa inkokhelo nezindleko zokubolekwa. ★Izitokwe/Ibhondi/Izimali Ezisebenzisanayo - Amaphesenti angama-90 ama-akhawunti esitoko angase acatshangelwe ekubalweni kwezimpahla zezindleko zokuvala kanye nezimali ezibekiwe. ★Izimali Ze-akhawunti Yomhlalaphansi Egunyaziwe - u-80% ungacatshangelwa ukuthi uvale kanye/noma ubeke imali. ★Uma kusetshenziswa izitatimende zasebhange, amadiphozithi amakhulu kufanele ahlolwe. |
| Izinqolobane | ★Okubekiwe: Loan Amt $125,001-$1,000,000: 6 Izinyanga PITIA; Loan Amt $1,000,001 - 1,500,000 : 9 izinyanga PITIA; Loan Amt $1,500,001 - 2,000,000: 12 izinyanga PITIA ★Imali ephumayo ingasetshenziswa njengemali ebekiwe. ★Imigqa yokulingana yekhredithi nezimali zezipho ayiyona imithombo eyamukelekile ukuhlangabezana nemfuneko ebekiwe. |
| Ikhredithi | ★Iphrofayili yesikweletu yomboleki ngamunye kufanele ihlanganise ubuncane bemigqa yokuhweba emibili (2) phakathi nezinyanga ezingamashumi amabili nane (24) zokugcina ezibonisa umlando wezinyanga eziyishumi nambili (12), noma iphrofayela yesikweletu ehlanganisiwe phakathi Komboleki kanye Noboleka kanye naye enenani elincane yemigqa yohwebo emithathu (3). |
| Umcimbi Wesikweletu | ★Umlando Wempahla Yezindlu:0 x 30 x 12. ★Isikhathi Sokuvimba :Izinyanga ezingama-36 ★Isikhathi Sokuthengisa Okufushane/I-DIL: izinyanga ezingama-36 ★BK Seasoning:36 izinyanga |
| Umsebenzi & Imali engenayo | ★Akudingekile. |
| Ukulinganisa | ★Amanani emali mboleko ≤ $1,500,000 = 1 Ukuhlola Okugcwele (ARR, CDA noma FNMA CU Isikolo sengozi esingu-2.5 noma ngaphansi siyadingeka ngaphezu kokulinganisa) ★Amanani emalimboleko > $1,500,000 noma "flip" transaction = Ukuhlola Okubili Okugcwele |
| Ezinye Izimfuneko | ★Abathengi Bekhaya Lokuqala Abafanelekile. ★Izakhiwo Ezixhaswe Ngezimali Eziningi: 20 ★MD Investment for No PPP kuphela. ★Isijeziso Sokukhokha Ngaphambili singamaphesenti angu-5 ebhalansi yemalimboleko esele. |
Ungabala kanjani i-DSCR?
Ngemali mboleko yezindlu, i-DSCR ibhekisela esilinganisweni semali engenayo yenyanga yokuqasha yendawo yokutshala izimali ezindlekweni eziphelele zezindlu.Lezi zindleko zingabandakanya uthishanhloko, inzalo, intela yendawo, umshwalense, kanye nezimali ze-HOA.Noma yiziphi izindleko ezingakenziwanga zizorekhodwa zingu-0. Uma isilinganiso siphansi, ingozi enkulu yemalimboleko iba nkulu.Ingavezwa kulokhu okulandelayo:
Sinikeza "Ayikho isilinganiso se-DSCR" kumakhasimende ethu, okusho ukuthi isilinganiso singahle sibe "ku-0".Emikhiqizweni yethu evamile yemalimboleko, sidinga ukuqhathanisa imali engenayo yababoleki ne-PITI yanyanga zonke (Uthishanhloko, Inzalo, Izintela, Umshwalense) kanye nanoma yiziphi izinkokhelo ze-HOA nezinye izikweletu zesakhiwo esibanjiswayo ukuze sinqume ukuthi imali mboleko iyafaneleka yini.
Izinzuzo ze-DSCR
Ayikho isilinganiso I-DSCR ingumkhiqizo wemalimboleko ongaqinisekisi noma ongadingi iholo lomboleki ngoba akubandakanyi ukubala kwe-DTI (Debt-To-Income Ratio).Okubalulekile, ubuncane be-DSCR (Debt Service Coverage Ratio) bungaba buncane obungu-0. Ngisho noma imali yokuqasha iphansi, singakwazi ukukwenza!Lokhu ukukhetha okuhle kubaboleki abanemali engenayo ephansi noma izikweletu eziningi.Lokhu kuyenza ibe inketho esebenzisekayo ngisho nakulabo abanemali ephansi yokuqasha, okuyenza ibe ukukhetha okuhle kubaboleki abaneholo eliphansi noma izikweletu eziphakeme.
Ngaphezu kwalokho, lolu hlelo luvulekele nakwamanye amazwe, ikakhulukazi labo abanama-visa e-F1.Uma ungowakwelinye izwe futhi ungakwazi ukufaneleka ukuthola imali ebolekiwe yendlunkulu, sicela usithinte ukuze uxoxe ngesimo sakho semalimboleko.
