DSCR Overview
DSCR(Chikwereti Service Coverage Ratio) Chirongwa.
Ichi ndicho chirongwa chiri nyore pakati pezvirongwa zvese zvisiri zveQM.
Mari / Yebasa Status / Mutero Return haidiwi.
DSCR Chirongwa chakanyanya
1) Max.LTV: 80%;
2) Max.Chikwereti Mari $2,000,000;
3) Min.FICO: 680;
4) Kunze kwenyika Inobvumirwa.
Ndokumbira ufonere mutengo nezveYakagadzirwa Imba, 5-10 Units uye chikwereti amt > $ 2.0 miriyoni.
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 chakakwana chechikwereti kugutsa zviri pamusoro apa zvakakosha zvinhu -DSCRprogram.Ndiyo inonyanya kufarirwa Isiri-QM chigadzirwa mune zvikwereti zvemba zvemba.
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, tinotarisa pakunzwisisa tsananguro yeDSCR uye kuburitsa chakavanzika chechirongwa cheDSCR kubva pamaonero ekudyara kwembamba.
DSCR Nhungamiro
| Assets | ★Yazvino 2 months bank statement inodiwa. ★100% tsamba yekuwana yakawanikwa kubva kune vese varidzi vakabatana. ★Mari yezvipo inogamuchirwa kuti ishandiswe pakubhadhara uye mari yechikwereti. ★Stocks/Bond/Mutual Funds - 90% yemastock accounts inogona kutariswa mukuverengwa kweassets pakuvhara mari nematura. ★Vested Retirement Account money - 80% inogona kutariswa sekuvhara uye/kana matura. ★Pakashandiswa mastatement ekubhangi, madhipoziti makuru anofanira kuongororwa. |
| Reserves | ★Zvichengetedzwa: Loan Amt $125,001-$1,000,000: 6 Mwedzi PITIA; Loan Amt $1,000,001 - 1,500,000 : 9 mwedzi PITIA; Chikwereti Amt $1,500,001 - 2,000,000: mwedzi gumi nemiviri PITIA ★Kubuda kweCash-Out kunogona kushandiswa sekuchengetedza. ★Equity mitsetse yechikwereti neyechipo mari haigamuchirwe kuzadzisa zvinodiwa zvakachengetwa. |
| Credit | ★Chikwereti cheMukwereti chega chega chinofanira kusanganisira mitsara yekutengeserana isingadarike miviri (2) mukati memwedzi makumi maviri neina (24) yekupedzisira inoratidza nhoroondo yemwedzi gumi nembiri (12), kana nhoroondo yechikwereti yakasanganiswa pakati peMukwereti neMukwereti ane hushoma. yemitsara mitatu (3) yekutengeserana |
| Credit Event | ★Nhoroondo yeMortgage:0 x 30 x 12. ★Foreclosure Seasoning :36 mwedzi ★Kutengesa Kupfupi/DIL Seasoning:36 mwedzi ★BK Seasoning:36 mwedzi |
| Basa & Mari | ★Hazvidiwe. |
| Kuongorora | ★Chikwereti chemari ≤ $1,500,000 = 1 Full Appraisal (ARR, CDA kana FNMA CU Risk score ye2.5 kana pasi inodiwa kuwedzera pakuongorora) ★Mari yechikwereti > $1,500,000 kana "flip" transaction = Maongororo maviri Akazara |
| Zvimwe Zvinodiwa | ★Kekutanga Kumba Vatengi Vasingabvumirwe. ★Max Financed zvivakwa: 20 ★MD Investment yeNo PPP chete. ★Prepaid Payment Penalty ndiyo 5% yesara yechikwereti chasara. |
Nzira yekuverenga DSCR?
Kune zvikwereti zvemba yemba, DSCR inoreva chiyero chemari yekurenda yemwedzi nemwedzi yenzvimbo yekudyara kune yakazara mari yedzimba.Izvi zvinodhura zvinogona kusanganisira mukuru, mubereko, mutero wezvivakwa, inishuwarenzi, uye HOA mubhadharo.Chero mari inenge isati yaitwa ichanyorwa se 0. Kuderera kwereshiyo, ndiko kuwedzera kwengozi yechikwereti.Inogona kuratidzwa mune zvinotevera:
Isu tinopa "Hapana ratio DSCR" kune vatengi vedu, zvinoreva kuti reshiyo inogona kudzika kusvika "0".Muzvigadzirwa zvedu zvenguva dzose zvechikwereti, tinoda kuenzanisa mari yevakwereta nePITI yepamwedzi (Mukuru, Mubereko, Mutero, Inishuwarenzi) pamwe nemari ipi neipi yeHOA uye zvimwe zvikwereti zvepfuma yakabatiswa kuti vasarudze kuti chikwereti chacho chinokodzera here.
Benefits yeDSCR
Hapana reshiyo DSCR chigadzirwa chechikwereti chisingasimbise kana kuda mari yemukwereti nekuti haisanganisi kuverengwa kweDTI (Debt-To-Income Ratio).Zvakakosha, iyo shoma DSCR (Debt Service Coverage Ratio) inogona kunge yakaderera se 0. Kunyange kana mari yekurenda yakaderera, tinogona kuzviita!Iyi isarudzo yakanaka kune vanokwereta vane mari shoma kana zvikwereti zvakawanda.Izvi zvinoita kuti ive sarudzo inoshanda kunyange kune avo vane mari yekurenda yakaderera, zvichiita kuti ive sarudzo yakanaka kune vanokwereta vane mari shoma kana zvikwereti zvakakwirira.
Pamusoro pezvo, chirongwa ichi chakavhurika kune Vekune dzimwe nyika, kunyanya avo vane F1 visa.Kana uri wekune imwe nyika uye usingakwanise kuwana chikwereti chemumba, ndapota taura nesu kuti tikurukure nezvechikwereti chako.
