Wholesale - AAA Lendings Non-QM DSCR (Debt Service Coverage Ratio) Programme – AAA Lendings alimang le motsetedi

Lintlha tsa Sehlahisoa

Leha ba alima chelete ba bangata ba lekantse boholo ba bona, re ntse re tsoela pele ho holisa boteng ba rona ho pholletsa le linaha tse fapaneng, re sebeletsa batho ba alimang liprofinseng tse 45, ho kenyeletsoa le mebaraka e matla joalo ka California le Texas. Phihlello ea rona e atolohileng e re lumella ho utloisisa le ho ikamahanya le maemo a tikoloho, ho netefatsa hore bareki ba rona ba literekeng tse fapaneng ba fumana tšehetso ea lehae ha ba ntse ba rua molemo ho tsoa ho boiphihlelo ba naha ka bophara.Mokoloto oa Matlo oa 2022,Thepa ea khiriso,Tloaelehileng Vs Fha Loan, E le karolo ea boitlamo ba rona ba ho lula re le ka pele indastering, re tsetela haholo ho thekenoloji ea maemo a holimo ho nolofatsa kopo ea ntlo le ts'ebetso ea tumello. Sena ha se potlakise ts'ebetso ea kopo feela empa se boetse se u fa lintlafatso tsa nako ea nnete mabapi le boemo ba hau ba mokoloto oa ntlo, se u fa khotso ea kelello le ho felisa ho hloka botsitso hoo hangata ho ka tlang le ts'ebetso ea mokoloto oa ntlo. Mokhoa oa rona oa thekenoloji o re lumella ho fana ka boiphihlelo bo bonolo le bo bonolo, ho etsa hore leeto la hau la ho ba beng ba matlo kapa la ho nchafatsa lichelete le atlehe kamoo ho ka khonehang.

– Lenaneo la AAA le Non-QM DSCR (Debt Service Coverage Ratio) – Lintlha tsa Kalimo tsa AAA:

Ha e na lebitso-6

Kakaretso

Lenaneo la DSCR (Debt Service Coverage Ratio).

Lena ke lenaneo le bonolo ka ho fetisisa har'a mananeo ohle a Non-QM.

Lekeno/ Boemo ba Mosebetsi/ Pusetso ya Lekgetho ha e hlokehe.

Lintlha-khōlō Tsa Lenaneo

1) Ho fihlela ho $ 2M Chelete ea Kalimo;
2) Ho fihlela ho 75% LTV;
3) 660 kapa ho feta Sekoloto sa Sekolo;
4) E ka koala mekhatlo;
5) Ha ho na meeli ea palo ea thepa e tšehetsoeng ka lichelete;
6) SFRs, 2-4 Units, Condos, Townhomes, Condotels, le Non-Warrantable Condos li fumaneha.

DSCR ke eng?

A na ua tseba ho fumana mokoloto oa ntlo ntle le tlhaiso-leseling ea mosebetsi le chelete e kenang?
Na ha u na tokelo ea ho fumana likalimo tse tloaelehileng tsa mortgage?
Na ua tseba hore na ke lenaneo lefe la mokoloto leo e leng sehlahisoa se bonolo ka ho fetisisa?
Na u batla ho tseba ho sebelisa litokomane tse fokolitsoeng ho fumana mokoloto?
Na ho thata haholo ho uena ho fumana home loan indastering ea hau?

Re fana ka lenaneo le phethahetseng la mokoloto ho khotsofatsa lintlha tsa bohlokoa tse kaholimo - lenaneo la DSCR. Ke sehlahisoa se tsebahalang haholo sa Non-QM likalimong tsa mekoloto ea ntlo.

DSCR (Debt Service Coverage Ratio) e etselitsoe bo-ramatsete ba nang le boiphihlelo 'me e tšoanela batho ba alimang ho latela phallo ea chelete ho tsoa ho thepa ho hlahloba kotsi ea matsete. Kajeno, re shebana le ho utloisisa tlhaloso ea DSCR le ho senola sephiri sa lenaneo la DSCR ho latela pono ea matsete a mekoloto ea matlo.

Mokhoa oa ho bala DSCR?

Bakeng sa likalimo tsa ntlo, DSCR e bua ka karolelano ea chelete ea khoeli le khoeli ea khiriso ea ntlo ea matsete ho kakaretso ea litšenyehelo tsa ntlo (joalo ka mosuoe-hlooho, tsoala, lekhetho la mobu, inshorense le tefo ea tsamaiso (haeba litšenyehelo tse ling li sa etsoa, e tla ngoloa e le 0)). Ha karo-karolelano e le tlase, kotsi e kholo ea ho alima chelete. E ka hlalosoa ka tsela e latelang:

dintlha

Re fana ka "No ratio DSCR" bakeng sa bareki ba rona, ho bolelang hore karo-karolelano e ka theohela ho "0". Lihlahisoang tsa rona tse tloaelehileng tsa mokoloto, re hloka ho bapisa lekeno la rona le PITIA ea khoeli le khoeli (Molao-motheo/ Tsoala/ Lekhetho/ Inshorense/ HOA) le mekoloto e meng ea ntlo e rekiloeng ho etsa qeto ea hore na mokoloto o ka tšoaneleha.

DSCR

Melemo ea DSCR

Ha ho na karo-karolelano ea DSCR, sehlahisoa sa kalimo se sa netefatseng chelete e kenang, ha e na litlhoko tsa moputso oa motho ea alimang hobane ha e akaretse lipalo tsa DTI. 'Me bonyane karo-karolelano ea DSCR e ka ba tlase ho 0. Leha chelete ea khiriso e le tlase, re ntse re ka e etsa! Ena ke khetho e ntle bakeng sa ba alimang ba nang le chelete e tlase kapa mekoloto e mengata.

Ntle le moo, Baahi ba kantle ho naha ba amoheleha bakeng sa lenaneo lena, haholo-holo ka F1 visa. Haeba u molichaba, 'me u sa khone ho fumana kalimo e tloaelehileng ea mortgage, ikopanye le rona 'me u fumane boemo ba kalimo ea hau.

Litšoantšo tsa lintlha tsa sehlahisoa:

Tataiso e Amanang ea Sehlahisoa:

Ho rera bokamoso ba hau ba lichelete ho qala ka molekane ea nepahetseng oa ntlo ea ntlo, 'me ho AAA LENDINGS, re ikemiselitse ho u thusa ho fihlela litoro tsa hau. Re utloisisa hore leeto le lebisang ho beng ba matlo e ka ba ntho e thabisang empa hape e boima. Litsebi tsa rona tse nang le phihlelo ha li na litsebi tsa mekoloto feela; ke balekane ba hao ba lichelete. Li teng ho buisana ka lipakane tsa hau, ho lekola boemo ba hau ba lichelete, le ho fana ka tataiso e ikhethileng e hapang thahasello ea hau. Re motlotlo ka ho ba tataiso e u fang matla a ho etsa liqeto tse nepahetseng mabapi le bokamoso ba hau. - AAA Lendings Non-QM DSCR (Debt Service Coverage Ratio) Program - AAA Lendings , Sehlahisoa se tla fana ka lefats'e ka bophara, joalo ka: Angola, The Swiss, Germany, Lihlahisoa tsa rona li hlahisoa ka thepa e ntle ka ho fetisisa e tala. Ka motsotso o mong le o mong, re lula re ntlafatsa lenaneo la tlhahiso. E le ho netefatsa boleng bo ntlafetseng le tšebeletso, re 'nile ra tsepamisa maikutlo mosebetsing oa tlhahiso. Re fumane thoriso e phahameng ke balekane. Re labalabela ho theha likamano tsa khoebo le uena.

-AAA Likoloto