Tlhaloso ea DSCR
DSCR(Mekoloto ea Ts'ebeletso ea Ts'ireletso ea Likoloto) Lenaneo.
Lena ke lenaneo le bonolo ka ho fetisisa har'a mananeo ohle a Non-QM.
Lekeno / Boemo ba Mosebetsi / Pusetso ea Lekhetho ha e hlokahale.
Lintlha-khōlō tsa Lenaneo la DSCR
1) Max.LTV: 80%;
2) Max.Kalimo Chelete $2,000,000;
3) Mets.FICO: 680;
4) Naha ea kantle ho naha e lumelletsoe.
Ka kopo letsetsa theko mabapi leManufactured Home , 5-10 Units le loan amt > $2.0 million.
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 -DSCRlenaneo.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 tšoanelehela batho ba alimang chelete 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.
Litaelo tsa DSCR
| Matlotlo | ★Seteitemente sa morao-rao sa banka sa likhoeli tse 2 se hlokahalang. ★ 100% lengolo la phihlello le fumanoeng ho beng bohle ba kopaneng. ★Lichelete tsa limpho lia amoheleha bakeng sa ho sebelisoa ho fokotsa litšenyehelo tsa ho lefa le tsa kalimo. ★Stocks/Bond/Mutual Funds - 90% ya diakhaonto tsa stock e ka nahanwa palong ya matlotlo bakeng sa ho kwala ditjeho le dipolokelo. ★Chelete ea Vested Retirement Account - 80% e ka nkoa e le ho koala le/kapa lipolokelo. ★Ha ho sebelisoa litatemente tsa banka, li-depositi tse kholo li tlameha ho hlahlojoa. |
| Libaka tsa polokelo | ★Lipolokelo: Loan Amt $125,001-$1,000,000: Likhoeli tsa 6 PITIA; Loan Amt $1,000,001 - 1,500,000 : Likhoeli tse 9 PITIA; Loan Amt $1,500,001 - 2,000,000: Likhoeli tse 12 PITIA ★Chelete ea ho tsoa ha chelete e ka sebelisoa e le polokelo. ★Tlhaloso ea lichelete tsa mekoloto le limpho ha se mehloli e amohelehang ho fihlela tlhoko ea polokelo. |
| Mokitlane | ★Tlhaloso ea mokoloto e mong le e mong e tlameha ho kenyelletsa bonyane mela e 'meli (2) ea khoebo nakong ea likhoeli tse mashome a mabeli a metso e mene (24) e bonts'ang nalane ea likhoeli tse leshome le metso e 'meli (12), kapa boemo ba mokitlane bo kopaneng pakeng tsa Mokalimi le Moalimi-'moho le bonyane. ea mela e meraro (3) ea khoebo |
| Ketsahalo ea Mokitlane | ★Nalane ea Mortgage:0 x 30 x 12. ★Tlosa Nako :36 likhoeli ★Short Sale/DIL Seasoning:36 months ★BK Seasoning:likhoeli tse 36 |
| Mosebetsi le Moputso | ★Ha e hlokehe. |
| Tlhahlobo | ★Lichelete tsa mokoloto ≤ $1,500,000 = Tekanyetso e Tletseng e 1 (ARR, CDA kapa FNMA CU Lintlha tsa Kotsi tsa 2.5 kapa ka tlase lia hlokahala ka holim'a tlhahlobo) ★Lichelete tsa mokoloto > $1,500,000 kapa "flip" transaction = Litlhahlobo tse peli tse Feletseng |
| Litlhoko Tse Ling | ★Nako ea Pele Bareki ba Lehae ba sa Tšoanelehe. ★Thepa e tšehelitsoeng ka chelete e ngata: 20 ★MD Investment for No PPP only. ★Kotlo ea Tefo e Lefiloeng Pele ke 5% ea chelete e setseng ea kalimo. |
Mokhoa oa ho bala DSCR?
Bakeng sa likalimo tsa ntlo, DSCR e bolela karo-karolelano ea chelete ea khoeli le khoeli ea khiriso ea thepa ea matsete ho kakaretso ea litšenyehelo tsa bolulo.Litšenyehelo tsena li ka kenyelletsa mosuoe-hlooho, tsoala, lekhetho la thepa, inshorense le litefiso tsa HOA.Litšenyehelo leha e le life tse sa hlahisoang li tla tlalehoa e le 0. Ha karo-karolelano e le tlase, kotsi ea kalimo e kholoanyane.E ka hlalosoa ka tsela e latelang:
Re fana ka "No ratio DSCR" bakeng sa bareki ba rona, ho bolelang hore karolelano e ka theohela ho "0".Lihlahisoang tsa rona tse tloaelehileng tsa mokoloto, re hloka ho bapisa chelete e kenang ea ba alimang le PITI ea khoeli le khoeli (Mosuoe-hlooho, Ts'ebetso, Lekhetho, Inshorense) hammoho le litefiso life kapa life tsa HOA le mekoloto e meng ea thepa e rekoang ho etsa qeto ea hore na mokoloto oa tšoaneleha.
Melemo ea DSCR
No ratio DSCR ke sehlahisoa sa kalimo se sa netefatseng kapa se hlokang chelete ea moalimi hobane ha se akarelletse lipalo tsa DTI (Debt-To-Income Ratio).Habohlokoa, bonyane DSCR (Debt Service Coverage Ratio) 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 tlaase kapa likoloto tse ngata.Sena se etsa hore e be khetho e sebetsang esita le ho ba nang le chelete e tlaase ea khiriso, e leng khetho e ntle ho ba alimang ba nang le chelete e tlaase kapa likoloto tse phahameng.
Ntle le moo, lenaneo lena le boetse le bulehetse Baahi ba Kantle ho Naha, haholo ba nang le li-visa tsa F1.Haeba u moahi oa kantle ho naha 'me u sa khone ho fumana kalimo e tloaelehileng ea ntlo, ka kopo ikopanye le rona ho buisana ka boemo ba hau ba kalimo.
