Academic Mortgage Weekly(学堂每周房贷)-2020/10/25 - 北美地产学堂 BBS


Academic Mortgage Weekly(学堂每周房贷)-2020/10/25 - 北美地产学堂 BBS Academic Mortgage Weekly(学堂每周房贷)-2020/10/25 David
大家好,我是David T.,今天是我们Academic Mortgage Weekly第二期,和大家分享以下几方面内容:

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今天和大家分享Mortgage批贷过程中一个至关重要的指标DTI对于rental income如何计算。房地产投资者通常会持有一定数量的投资房,这些房产在帮助房主获得租金收入之外也代表着房主承担一定的liability,包括地税、贷款月供、HOA和屋主保险等。那么如何计算net rental income就成为计算DTI一个非常重要也比较复杂的问题。

今天我以Agency loan的underwriting guideline为例,给大家示范:
*查出个人报税表的Sch E,长这个样子:
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(item21【现金流】 + item9【上年保费】 + item 12 【上年利息】+ item16【上年地税】 + item 18【上年折旧】)/12 - PITIA(current)

*如果SCH E里列有HOA(通常列在item11或者item 19附statement),也可以加回。



另外,主住宅cash out利率仍然很有竞争力,建议关注。
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** 免责声明

北美地产学堂 |


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