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Dulmar

Bayaanka Bangiga Portfolio
Portfolio DSCR
Portfolio Shisheeye Qaranka DSCR

* Tafaariiqda Keliya

Faahfaahin

1) 5/6 ARM 30 Maalin Celceliska SOFR (5/1/5);
2) Saamiga iibka ee hoos yimaada para 1: 2;
3) Qadarka Amaahda $500,000 – $5,000,000.

* Saamiga iibsashada oo ka badan mid aan la aqbali karin

Bayaanka Bangiga Portfolio

1) Kharashka UW $1495 & Kharashka Habaynta $845;

2) Kharashka Dib-u-Eegista Ammaanadda/Cilmiga $300, haddii ay khusayso;

3) Dakhliga Warbixinta Baanka ee ugu badan. LTV 65%;

4) Warbixinta Bangiga - Dulsaarka Kaliya Max. LTV 60%;

5) Min. Lacagta Amaahda $500,000;

6) Ajnabi – Uma qalmo;

7) Ciqaabta ka hor 18-bilood waxay la mid tahay 6 bilood oo dulsaar ah;

8) Min. 12 bilood PITIA ee hantida maaddada sida kaydka;

9) Marka laga reebo: kiisba kiis lacagta amaahda ≤ $500k oo 0.5 lagu hagaajiyay khidmad.

Portfolio DSCR

1) Kharashka UW $1495 & Kharashka Habaynta $845;

2) Dib-u-eegis Ammaan/Cuqaaleed $300, haddii ay khusayso;

3) Min. Lacagta Amaahda $500,000;

4) Ajnabi – Uma qalmo;

5) Ugu yaraan DSCR 1,000;

6) Amaah Loo Sameeyay Qofka Dabiiciga ah - Ma jiro Amaahiyaha Hay'ad;

7) 2-4 Hantida Cutubku way u qalantaa iyo 5% dhimis inta ugu badan. LTV/CLTV-yada Matrix;

8) Ciqaabta ka hor 18-bilood waxay la mid tahay 6 bilood oo dulsaar ah;

9) Min. 12 bilood PITIA ee hantida maaddada sida kaydka;

10) Marka laga reebo: kiis kiis ee qadarka amaahda ≤ $500k oo 0.5 lagu hagaajiyay khidmad.

Portfolio FN DSCR

1) Kharashka UW $1495 & Kharashka Habaynta $845;

2) Dib-u-eegis Ammaan/Cuqaaleed $300, haddii ay khusayso;

3) Dib u eegis Qaran oo Shisheeye $250;

4) Min. Lacagta Amaahda $500,000;

5) Ugu yaraan DSCR 1,000;

6) Dulsaarka Kaliya - Lama Ogolaan;

7) Awoodda Qareenka - Lama ogola;

8) Ciqaabta Kahor Bixinta (Maalgashadayaasha kaliya) waa 18 bilood waxayna la mid tahay 6 bilood oo dulsaar ah.

9) Min. 12 bilood PITIA ee hantida maaddada sida kaydka;

10) Marka laga reebo: kiis kiis ee qadarka amaahda ≤ $500k oo 0.5 lagu hagaajiyay khidmad.

Sidee loo xisaabiyaa Portfolio DSCR?

DSCR waa in loo xisaabiyaa sida soo socota: DSCR = * Dakhliga Kirada Saafiga ah ÷ U Qalmida Lacag Bixinta Bisha (P iyo I only);

* Dakhliga Kirada ee Saafiga ah = Kirada Guud * (1-Qorshaha Kharashka);

Qodobbada Kharashka: Hantida aan lahayn HOA = 25%, Hanti leh HOA = 30%;

Kiradu waxay noqon doontaa mid ka yar: Dakhliga ijaarka hadda ama qaddarka 1007 ee uu bixiyo qiimeeyaha oo muujinaya jadwalka kirada suuqa ee la qiyaasay.