Pusat Produk

Ringkesan

Portofolio Bank Statement
Portofolio DSCR
Portofolio Foreign National DSCR

* Mung Eceran

Rincian

1) 5/6 ARM 30 Dina Rata-rata SOFR (5/1/5);
2) Rasio buydown miturut par 1:2;
3) Kisaran Jumlah Pinjaman $500.000 – $5.000.000.

* rasio Buyup liwat par ora ditrima

Apa program iki?

Portofolio Bank Statement

1) Fee Lender padha karo program portofolio;

2) Review Trust / Entitas, yen ana $300;

3) TX Doc Review, yen ana $ 150;

4) Bank Statement Income LTV Max 65%;

5) Statement Bank - Bunga Mung Max LTV 60%;

6) Jumlah Pinjaman Minimal $500.000;

7) Warga Negara Asing – Ora Layak;

8) Hukuman Pra-Pembayaran 18 Sasi padha karo bunga 6 sasi.

Portofolio DSCR

1) Fee Lender padha karo program portofolio;

2) Review Trust / Entitas yen ana $ 300;

3) TX Doc Review yen ditrapake $ 150;

4) Jumlah Pinjaman Minimal $500.000;

5) Warga Negara Asing – Ora Layak;

6) Minimal DSCR 1.000;

7) Utangan Kanggo Wong Alami - Ora Ana Entitas Nyilih;

8) 2-4 Unit Property Layak lan 5% Pengurangan ing Max LTV/CLTVs ing Matrix;

9) Hukuman Pra-Pembayaran 18 Sasi padha karo bunga 6 sasi.

Portofolio FN DSCR

1) Fee Lender padha karo program portofolio;

2) Review Trust / Entitas yen ana $ 300;

3) TX Doc Review yen ditrapake $ 150;

4) Tinjauan Nasional Asing $250;

5) Jumlah Pinjaman Minimal $500.000;

6) Minimal DSCR 1.000;

7) Kapentingan Mung - Ora Diijini;

8) Power of Attorney - Ora Diijini;

9) Penalti Pre-Payment (Investor mung) yaiku 18 wulan lan padha karo bunga 6 wulan.

Kepiye Cara Ngitung Portofolio DSCR?

DSCR bakal diitung kaya ing ngisor iki: DSCR = *Penghasilan Sewa Net ÷ Pembayaran Sasi sing Kualifikasi (mung P lan I);

*Penghasilan Sewa Net = Sewa Bruto * (1 – Faktor Beban);

Faktor Biaya: Properti tanpa HOA = 25%, Properti karo HOA = 30%;

Sewa bakal luwih murah tinimbang: Pendapatan sewa saiki utawa jumlah ing 1007 sing diwenehake dening penilai sing nuduhake jadwal nyewa pasar.