Overview
Portfolio Bank
Portfolio DSCR
Portfolio Foreign National DSCR
* Tantum Modo
Singula
1) 5/6 ARM 30 Dies Mediocris SOFR (5/1/5);
2) Buydown ratio sub par 1:2;
3) Maximilianus.Loan Amount $5,000,000.
* Buyup ratio in par inconveniens
Portfolio Bank
1) UW Fee $1495 & Processsing Fee $845;
2) Fiducia / Entity Review feodo $ 300, si adhibetur;
III) Bank deducuntur Max.LTV 65%;
4) Bank Statement - Interest solum Max.LTV 60%;
5) Min.Moles mutuati $ 500,000;
6) Nationalibus Externis - Not Eligible;
7) 18-Mense Pre-payment Poena 6 mensium interest aequari;
8) Min.XII mensibus PITIA de re familiari ac subsidiis;
9) Exceptio: casus in causa mutui quantum ≤$500k cum 0.5 ad feudum accommodatis.
Portfolio DSCR
1) UW Fee $1495 & Processsing Fee $845;
2) Fide / Entity Review $ 300, si adhibetur;
3) Min.Moles mutuati $ 500,000;
4) National Externorum - Not Eligible;
5) Min.DSCR 1.000;
6) congue Personae Naturali - No Entity Borrowers;
7) 2-4 Unit Property New and 5% Reductio in Max.LTV/CLTVs on Matrix;
8) 18-Mensis Pre-payment Poena 6 mensium interest aequare;
9) Min.XII mensibus PITIA de re familiari ac subsidiis;
10) Exceptio: casus in causa mutui quantum ≤$500k cum 0.5 ad feudum accommodatis.
Portfolio FN DSCR
1) UW Fee $1495 & Processsing Fee $845;
2) Fide / Entity Review $ 300, si adhibetur;
3) Externorum Nationalium Review $250;
4) Min.Moles mutuati $ 500,000;
5) Min.DSCR 1.000;
6) Interest tantum - non licet;
7) Potestas Attorney - Non Licitus;
8) Pre-payment Penalty (Tantum Investor) est 18 mensuum et foenus 6 mensium aequalis.
9) Min.XII mensibus PITIA de re familiari ac subsidiis;
10) Exceptio: casus in causa mutui quantum ≤$500k cum 0.5 ad feudum accommodatis.
Quomodo computare Portfolio DSCR?
DSCR computabitur hoc modo: DSCR = * Net Rental Income ÷ Qualifying MENSTRUUM MENSTRUUM (P and I only);
*Net Rental Reditus = Gross Rents* (1 - Expense Factor);
Expensae Factores: Proprietas sine HOA = 25%, Proprietas cum HOA = 30%;
Census minor erit: reditus locationis currentis vel quantitatis 1007 provisum est ab lanx pensore exhibens schedulam mercatus extimationis.