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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 $ 3M 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 varidzi vemba vakawanda vachikwanisa kuwana magwaro akazara emubhadharo wenguva dzose, vazhinji havasati vaenderana nemirairo yaFannie naFreddie kana zvasvika kune zvinodiwa zvekukweretesa. Sezvineiwo, zvikwereti Zvisiri zveQM uye zvinyorwa zvemari yebhengi mhinduro huru kune ava vasiri vemazuva ano vanokwereta.

Vanozvishandira-muhoro-vanotambira vane humbozha hwekunyora mari zhinji dzebhizinesi pasi peIRS Tax Code. Kubvisa mari yebhizinesi kubva mumari yavo yakawandisa kunobatsira vanokwereta zvakanyanya kuderedza zvikwereti zvavo zvemutero, uye dzimwe nguva zvinoratidza kurasikirwa kwese kana mari isina kunaka yegore. Bank Statement Non-QM Loan ichakwanisa kubatsira vanokwereta ava kuti vakwanise kuwana imba yemba vasingaratidzi marepoti avo emutero uye kushandisa masitatimendi avo ekubhangi kuratidza mafambiro echokwadi ebhizinesi ravo.

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 kweanenge makore 2 (ane 25% kana mukuru muridzi) kuti akwanise kuita chirongwa ichi. Izvi zvinodikanwa kuti uone kana mukwereti ari mukwereti akazvishandira. 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%. Kunyangwe ichi chiriwo chinodikanwa chedu, asi kana CPA yako ichikwanisa kupa tsamba ine zvikonzero zvakakodzera, tinogona kufunga nezve mari inochinjika nekuda kwechimiro chebhizinesi rine mari shoma.

Ndokumbira ubate timu yedu kuti iongororwe yemahara yemari usati waendesa chikwereti kuti iwe ubatsire zvirinani vatengi vako.