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) Ubukhulu.Inani Lemalimboleko $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) Imizuzu.I-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) Imizuzu.I-DSCR 1.000;
6) Inzalo Kuphela - Ayivunyelwe;
7) Amandla Ommeli - Akuvunyelwe;
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.