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Overview

Portfolio Bank Statement
Portfolio DSCR
Portfolio Foreign National DSCR

* Retail chete

Details

1) 5/6 ARM 30 Zuva Avhareji SOFR (5/1/5);
2) Buydown reshiyo pasi pechikamu 1:2;
3) Max. Mari yechikwereti $5,000,000.

* Buyup reshiyo pamusoro pezvisingagamuchirwe

Portfolio Bank Statement

1) UW Fee $1495 & Processing Fee $845;

2) Kuvimbwa/Kuongorora Kwesangano Mari $300, kana zvichibvira;

3) Bank Statement Income Max. LTV 65%;

4) Bank Statement - Kufarira chete Max. LTV 60%;

5) Min. Chikwereti Mari $500,000;

6) Foreign National - Haikodzeri;

7) 18-Mwedzi Pre-Payment Penalty yakaenzana ne6 mwedzi mubereko;

8) Min. Mwedzi 12 PITIA pane yenyaya pfuma sematura;

9) Kunze: nyaya nekesi yemari yechikwereti ≤ $500k ine 0.5 yakagadziridzwa mubhadharo.

Portfolio DSCR

1) UW Fee $1495 & Processing Fee $845;

2) Kuvimbo/Kuongorora Kwesangano $300, kana zvichibvira;

3) Min. Chikwereti Mari $500,000;

4) Nyika Yekunze - Haikodzeri;

5) Minimum DSCR 1,000;

6) Chikwereti Chakaitwa kuMunhu Wenyama - Hapana Vanokwereta;

7) 2-4 Unit Property Inokodzera uye 5% Kuderedzwa muMax. LTV/CLTVs paMatrix;

8) 18-Mwedzi Pre-Payment Penalty yakaenzana ne6 mwedzi mhindu;

9) Min. Mwedzi 12 PITIA pane yenyaya pfuma sematura;

10) Kunze: nyaya nekesi yemari yechikwereti ≤ $500k ine 0.5 yakagadziridzwa mubhadharo.

Portfolio FN DSCR

1) UW Fee $1495 & Processing Fee $845;

2) Kuvimbo/Kuongorora Kwesangano $300, kana zvichibvira;

3) Ongororo Yenyika Yekune dzimwe nyika $250;

4) Min. Chikwereti Mari $500,000;

5) Minimum DSCR 1,000;

6) Kufarira Chete - Hazvibvumirwi;

7) Simba reGweta - Hazvibvumirwi;

8) Pre-Payment Penalty (Investor chete) ndeye 18 mwedzi uye yakaenzana ne6 mwedzi mubereko.

9) Min. Mwedzi 12 PITIA pane yenyaya pfuma sematura;

10) Kunze: nyaya nekesi yemari yechikwereti ≤ $500k ine 0.5 yakagadziridzwa mubhadharo.

Maitiro ekuverenga Portfolio DSCR?

DSCR ichaverengwa sezvinotevera: DSCR = *Net Rental Income ÷ Kukodzera Kubhadhara Kwemwedzi (P uye ini chete);

* Net Rental Income = Gross Rents * (1 - Expense Factor);

Zvinhu Zvinodhura: Pfuma isina HOA = 25%, Imba ine HOA = 30%;

Rent ichave idiki ye: Yazvino mari yekurenda kana iyo mari pa1007 yakapihwa neanoongorora anoratidza iyo inofungidzirwa yemusika rendi.