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Nepo vazhinji vanokweretesa vakaganhurira chiyero chavo, isu tinoenderera mberi nekuwedzera huvepo hwedu munzvimbo dzakasiyana siyana, tichishandira vanokwereta mumatunhu makumi mana neshanu, kusanganisira mimwe misika ine simba seCalifornia neTexas. Kusvika kwedu kwakakura kunotibvumira kunzwisisa uye kujairana nematunhu nuances, kuve nechokwadi chekuti vatengi vedu vari mumatunhu akasiyana vanowana rutsigiro rwemunharaunda vachiri kubatsirwa nehunyanzvi hwedu hwenyika.Hapana Mari Inodiwa,Credit Score,Zvakajairwa Chikwereti muzana, PaAAA LENDINGS, tiri shamwari yako kwenguva refu. Yedu yemashure-yekuvhara masevhisi akagadzirirwa kuti urambe uchibatikana kunyangwe mushure mekunge imba yako yakachengetedzwa. Isu tinopa zviwanikwa zvinoenderera mberi, senge matipi ekugadzirisa imba, gwara rekudyara, uye nguva nenguva yekutarisa mortgage kuona kuti zvinangwa zvako zvemari zviri munzira. Hukama hwedu newe haugumire pakuvhara; kuzvipira kusingagumi kuhutano hwako hwemari.
– AAA Lendings Non-QM DSCR (Debt Service Coverage Ratio) Chirongwa – AAA Lendings Detail:

Haina musoro-6

Overview

Yakanyanya nyore chigadzirwa mumhando dzeNon-QM zvirongwa.
Hapana Mari / Hapana Basa / Hapana Mutero Unodzoka, kana kuenzanisa chiyero cheDTI sezvikwereti zvakajairwa. Chete kana iyo subject property iri investment property.

Details

1) Kusvika kumadhora mazana maviri emadhora echikwereti;
2) Kusvikira ku80% Max LTV;
3) 660 kana kupfuura zvibodzwa zvechikwereti;
4) Inogona kuvhara mumasangano;
5) Hapana miganhu pahuwandu hwezvivakwa zvakapihwa mari;
6) SFRs, 2-4 Units, Condos, Townhomes, Condotels, uye Non-Warrantable Condos.

Chirongwa cheDSCR

DSCR (Debt Service Coverage Ratio) yakagadzirirwa vatengesi vezvivakwa vane ruzivo uye inokodzera vanokwereta zvichibva pamari-inoyerera chete kubva kune chinyorwa chivakwa kuti vaongorore njodzi yekudyara. Nhasi, isu tinotarisisa pakunzwisisa tsananguro yeDSCR uye kuburitsa chakavanzika cheDSCR chirongwa kubva pakuona kwekudyara kwedzimba. Tevere, ngatifambei muchirongwa cheDSCR.

Nzira yekuverenga DSCR?

Kune zvikwereti zvemba yemba, DSCR inoreva chiyero chemari yekurenda yepamwedzi yeimba yekudyara kune yakazara mari yedzimba (senge mukuru, mubereko, mutero wevhu, inishuwarenzi uye muripo wekutonga (kana mamwe madhiri asina kuitwa, anonyorwa se0)). Iyo yakaderera reshiyo, inowedzera njodzi yechikwereti. Inogona kuratidzwa mune zvinotevera:

tsanangudzo

Isu AAA Lendings ikozvino inopa "Hapana ratio DSCR" kune vatengi vedu, izvo zvinoreva kuti reshiyo inogona kudzika kusvika ku "0" Muchigadzirwa chedu chechikwereti chegungano, tinoda kuenzanisa mari yatinowana nePITIA yepamwedzi (Principle/ Interest/ Tax/ Insurance/ HOA) uye zvimwe zvikwereti zvemba yakabatiswa kuti tisarudze kana chikwereti ichi chinokodzera.

DSCR

Chii chinonzi DSCR?

Iwe unoziva nzira yekukodzera chikwereti chemba yemba pasina ruzivo rwebasa uye mari?
Hauna kukodzera here neyakajairwa mortgage zvikwereti?
Unoziva here kuti ndeipi chirongwa chechikwereti chiri nyore chigadzirwa?
Iwe unoda kuziva mashandisirwo emagwaro akaderedzwa kuti ukwanise kukwereta?
Zvakakuomera here kuti uwane chikwereti chemba muindasitiri yako?

Isu tinopa chirongwa chechikwereti chakakwana kuti tigutse zvinhu zvakakosha zviri pamusoro, ndicho chirongwa cheDSCR, chinova chinonyanyozivikanwa Chisiri-QM chigadzirwa muchikwereti chemba.

DSCR (Debt Service Coverage Ratio) yakagadzirirwa vatengesi vezvivakwa vane ruzivo uye inokodzera vanokwereta zvichibva pamari-inoyerera chete kubva kune chinyorwa chivakwa kuti vaongorore njodzi yekudyara. Nhasi, isu tinotarisisa pakunzwisisa tsananguro yeDSCR uye kuburitsa chakavanzika cheDSCR chirongwa kubva pakuona kwekudyara kwedzimba. Tevere, ngatifambei muchirongwa cheDSCR.

Ndezvipi zvakanakira chirongwa cheDSCR?

Hapana reshiyo DSCR, chigadzirwa chechikwereti chisingatarise mari, haina zvinodiwa pamari yevaenzi, nekuti ichi chigadzirwa chechikwereti hachibatanidzi kuverenga kweDTI. Uye iyo shoma DSCR chiyero inogona kunge yakaderera se 0. Kunyange kana rendi yeimba yakaderera, isu tinogona kuzviita! Iyi isarudzo yakanaka yevaenzi vane mari shoma kana mamwe zvikwereti.

Kunze kwezvo, Vekune dzimwe nyika vanogamuchirwa kuchirongwa ichi zvakare, kunyanya neF1 visa. Kana uri wekune imwe nyika, uye usingakwanise kuwana chikwereti chemumba, taura nesu uye uwane mamiriro echikwereti chako.

Nhungamiro yedu inoshanduka uye kana chikwereti chako chine musoro isu tichakubatsira iwe kuchivhara nekukurumidza. Isu tine kutaurirana kwakatsetseka uye mari inokurumidza kukwereta isiri-QM, taura nesu kana uine chero zvaunoda.

Iwe unoita mari yakawanda! Yedu yepakati yekutumira yekuvhara isingasviki 3 mavhiki uye tinovhara pasina matambudziko. Fungidzira kuti kutumira kwako kuchawedzera sei.


Mifananidzo yezvigadzirwa:

- AAA Lendings Non-QM DSCR (Debt Service Coverage Ratio) Chirongwa - AAA Lendings yemifananidzo mifananidzo


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