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Kune vazhinji vevatengi vedu, chibatiso chinopfuura kungotengeserana kwemari; chinhu chakakosha muhupenyu. Kunyangwe iwe uri wekutanga kutenga imba kana ane ruzivo mugadziri wezvivakwa, isu tinosvikira application yega yega nekutarisira uye kutarisisa kwainokodzera. Isu tinotora nguva yekunzwisisa zvibodzwa uye zvishuwo zvako, tichiona kuti chikwereti chako chinoenderana nechiono chako cheramangwana rako.Mortgage Lender Zillow,Minnesota Mortgage Broker Kana Mukweretesi,Vanokwereta Certification Uye Mvumo, Tinokoshesa nguva yako, uye tinonzwisisa kuti purogiramu yako inogona kusagara ichienderana nemaawa ebhizinesi echinyakare. Ndosaka rutsigiro rwevatengi rwedu rwunowanikwa kunze kwe9-kusvika-5 hwindo. Ungave uine mibvunzo manheru kana mukati mekupera kwesvondo, tiripo kuti tikupe rubatsiro. Maawa edu ekutsigira akawedzera chinangwa chekubatanidza vatengi nekuratidza kuzvipira kwedu kuvepo kana iwe uchinge wanyanya kutida. Kurerutsira kwako ndiko kwatinonyanya kukosha, uye tiri pano kuti tiite rwendo rwako rwembande serunakidze uye rusina zvinonetsa sezvinobvira.
– 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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