Bank Statement Overview
Bank Statement: Mukwereti anozvishandira ane kiredhiti yakanakisa uyo mari yake inotaurwa pamutero wavo wemutero haizokodzeri kuwana imba yeumbozha yavanokwanisa kutenga.
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Bank Statement Programme Zvakanakisa
1) Max.Chikwereti Mari $3M;
2) Max.LTV 90%;
3) Min.Fico 660;
4) Min.Reserve 6 Mwedzi;
5) Hapana Mutero Wokudzorera.
Mwedzi 12 CPA P&L
Ndokumbira ufonere mutengo nezveImba Yakagadzirwa ,1 Makore Ndinozvishanda, kana chikwereti amt <$150K kana >$3.0M.
Sei tichisarudza Bank Statement?
Kunyange zvazvo varidzi vedzimba vazhinji vachikwanisa kuwana magwaro akazara emubhadharo wenguva dzose, vazhinji havakodzeri mirairo yaFannie naFreddie kana zvasvika kune zvinodiwa zvekukweretesa.Sezvineiwo, zvikwereti Zvisiri zveQM uye zvinyorwa zvemari yebhengi mhinduro huru kune ava vasiri vemazuva ano vanokwereta.
Vanhu vanozvishandira vane mvumo yekunyora mari yakawanda yebhizinesi pasi peIRS Tax Code.Kubvisa mari yebhizinesi kubva pamari yavanokwereta kunobatsira vanokwereta zvakanyanya kuderedza zvikwereti zvavo zvemutero, uye dzimwe nguva zvinoratidza kurasikirwa kwese kana mari yakashata 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.Sehumbowo hwemari, zvese zvemunhu uye / kana bhizinesi zvirevo zvebhangi zvinotenderwa.
Anenge mumwe wevakwereta anofanira kunge achizvishandira kweanenge makore maviri kuti akwanise kuita chirongwa ichi.Huridzi hushoma hwe25% mubhizinesi zvakare chinhu chinodiwa.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, wozowedzera neyakajairwa mari.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.
