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Overview

Mukwereti anozvishandira ane kiredhiti chakanakisa uyo mari yake inotaurwa pamutero wavo wemutero hauvakodzere kuwana imba yeumbozha yavanokwanisa kutenga. Kodzera ne100% pane Personal Account Deposits uye 50% paBusiness Account Deposits (12 mwedzi inoteedzana)

Details

1) Kusvika kumadhora mazana mana emari yechikwereti;
2) Kusvikira ku80% Max LTV;
3) Kuzvishandira uye 1099 Vanokwereta;
4) 660 kana kupfuura kiredhiti mamakisi;
5) Hapana matura anodiwa pa75% kana pasi peLTV;
6) Kwete 4506T / Kwete K1's / Kwete P&L's;
7) Kwete MI (Mortgage Inishuwarenzi).

Sei tichisarudza chirongwa ichi?

Kunyange zvazvo vazhinji vekuAmerica vachikwanisa kuwana magwaro akazara echikwereti chekare chemba, vazhinji havasati vakwana madhairekitori aFannie naFreddie kana zvasvika pakukweretesa zvinodiwa. Sezvineiwo, zvikwereti Zvisiri zveQM uye zvinyorwa zvemari yebhengi mhinduro yakanaka kune ava vakwereta zvisiri zvechinyakare.

Kunyanya, vanozvishandira-vanowana muhoro vane humbowo hwekunyora mari zhinji dzebhizinesi pasi peIRS Tax Code. Kubvisa mari yebhizinesi kubva pamari yavanotambira kunobatsira vanozvishandira-muhoro mukubhadhara zvishoma mutero wemari.

Vanhu vazhinji vanozvishandira vane huchenjeri maakaundendi vanowanzobhadhara zvishoma kana kusabhadhara mutero nekuda kwekutora mukana weiyo makodhi emitero. Vazhinji vane mari yakaipa. Zvinosuruvarisa, zvakawanda zvekunyora-zvinoreva kuti vanozvishandira-mubhadharo-vanowana nguva yakaoma kuti vakwanise kuwana chikwereti. Vechivanhu vanokweretesa vachashandisa yakagadziridzwa gross mari kana vachiverenga mari inokodzera. Nhau huru kune vanozvishandira vanotenga dzimba nezvikwereti zvisiri zveQM. Tine zvikwereti zvisiri zveQM zvevakwereta vanozvishandira pasina mutero wemari inodzosera inodiwa. Muchinyorwa chino, tichakurukura uye kuvhara asiri-QM bank statement remba yevanozvishandira vanokwereta.

Chirongwa ichi chakagadzirirwa ani?

Chirongwa ichi chakagadzirirwa vanokwereta vanozvishandira uye vangabatsirika nedzimwe nzira dzekukwereta. Masitetimendi ekubhangi anogona kushandiswa seimwe nzira yekudzorera mutero kunyora mari yemukwereti anozvishandira. Kunze kwezvo, zvinyorwa zvebhangi zvemunhu uye / kana bhizinesi zvese zvinotenderwa.

Anenge mumwe wevakwereta anofanira kunge achizvishandira kweanoda kusvika makore maviri (25% kana mukuru muridzi) kuti akwanise kuita chirongwa ichi. Izvi ndizvo zvinodiwa kuti uone kana mukwereti ari mukwereti akazvishandira. Dzimwe nguva, mukwereti anogona kunge ari muridzi webhizinesi, zvisinei, isu tinongotora sevanozvishandira vakwereta kana ichipfuura 25%. Muzvikwereti zveagency, tinogara tichireva K-1 kana Chirongwa G; nepo kune Zvikwereti Zvisiri-QM, tinogara tichida tsamba yeCPA kuti tiratidze muridzi chaiwo.

Kazhinji, mukweretesi aizoverenga mari inokodzera nekutora avhareji kukosha kwebhengi statement deposits mumwedzi 12 kana 24, obva awedzera mari yakajairika. Ndiyo inofanirwa kunge iri mari yemukwereti inokodzera chirongwa ichi.

Kana iri iyo mari inodhura, vazhinji veNon-QM vanoisa mari vanogona kunge vaine chiyero chakajairwa se50%. Isu tine chinodiwa ichi zvakare. Nekudaro, kana CPA yako ichigona kupa tsamba ine zvikonzero zvakakodzera, isu tinogona kufunga nezve inoshanduka mari chinhu. Usapfuure miganho yepasi ~

Kana iwe uine chero zvaunoda, taura nesu kutanga, tinogona kupa yemahara pre-analysis mari yekuverenga. Izvo zvinofanirwa kubatsira zvakanyanya kune imi mose kunyanya maMortgage Loan Officers, kushandira vatengi venyu zvirinani.