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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 yakatevedzana).

Zvikuru zvePurogiramu

1) Kusvikira ku $ 4M Chikwereti Chikwereti;
2) Kusvikira ku80% LTV;
3) Kuzvishandira uye 1099 Vanokwereta;
4) 660 kana yepamusoro Chikwereti Chikwereti;
5) Hapana matura anodiwa kuLTV pa75% kana pasi;
6) Kwete 4506T / Kwete K1 / Hapana P & L inodiwa;
7) Kwete MI (Mortgage Inishuwarenzi).

Sei tichisarudza Bank Statements?

Kunyange zvazvo vazhinji vekuAmerica vachikwanisa kuwana magwaro akazara echikwereti chemba chemba, vazhinji havasati vakwana Fannie naFreddie mazano kana zvasvika kune zvinodiwa zvekukweretesa. Sezvineiwo, zvikwereti Zvisiri zveQM uye zvinyorwa zvemari yebhengi mhinduro huru 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 kazhinji havabhadhare mutero nekuda kwekutora mukana wemakodhi emitero. Vazhinji vane mari yakaipa. Zvinosuruvarisa, zvakawanda zvekunyora-offs zvinoreva kuti vanozvishandira-mubhadharo-vanowana nguva yakaoma kuti vakwanise kuwana chikwereti. Vechivanhu vanokweretesa vachashandisa yakagadziridzwa gross mari kana vachiverenga mari inokodzera, inova Nhau Yakanaka kune vanozvishandira vanotenga dzimba vane zvikwereti zvisiri zveQM. Tine zvikwereti zvisiri zveQM zvevakwereta vanozvishandira pasina mutero wemari inodzosera inodiwa.

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.