N****E
发帖数: 1474 | 1 请问各位大牛,国内朋友到美国投资房产出租能贷的到款吗? 还是要现金先买房,再做
equity loan, cash out? |
C******e
发帖数: 11790 | |
N****E
发帖数: 1474 | 3 真要是富人,就直接现金买房,空关着做vacation house,偶尔来住住,还问啥贷款呀! 呵
呵! |
d*****2
发帖数: 1201 | |
N****E
发帖数: 1474 | 5 那先买进后凭房产出租合同能贷款吗?
【在 d*****2 的大作中提到】
: 不可仪，貌似都是先进买。
|
G***s
发帖数: 10030 | |
N****E
发帖数: 1474 | 7 也不能说是空手套白狼吧,本金总是要放的,就是用房子做抵押贷款.合理使用金融工具
而已.
听说现在回国买房只要还有户口也申请国内贷款呢. |
b********2
发帖数: 5191 | |
a****t
发帖数: 1056 | 9 You need to provide the source of the cash when you refinance to get cash
out. However, you just need to provide the proof the portion of the cash
that you want to get out. This is the anti wash money rule. Usually the
money is required to be held in a US based bank for at least 3 months. The
previous history is not required.
The lease income can't be the proof of income since it is the future income.
You need to 2 years history proved income from IRS tax return.
The US underwriting policy are all programmed and super stupid. No one has
interest to help you except some local small banks with super high interest
like 10%.
【在 N****E 的大作中提到】
: 那先买进后凭房产出租合同能贷款吗?
|
N****E
发帖数: 1474 | 10 Excellent, very good information.
The
income.
interest
【在 a****t 的大作中提到】
: You need to provide the source of the cash when you refinance to get cash
: out. However, you just need to provide the proof the portion of the cash
: that you want to get out. This is the anti wash money rule. Usually the
: money is required to be held in a US based bank for at least 3 months. The
: previous history is not required.
: The lease income can't be the proof of income since it is the future income.
: You need to 2 years history proved income from IRS tax return.
: The US underwriting policy are all programmed and super stupid. No one has
: interest to help you except some local small banks with super high interest
: like 10%.
|
|
|
h****s
发帖数: 16779 | 11 And I think there is a maximum ratio of the mortgage: 50% of appraisal value?
The
income.
interest
【在 a****t 的大作中提到】
: You need to provide the source of the cash when you refinance to get cash
: out. However, you just need to provide the proof the portion of the cash
: that you want to get out. This is the anti wash money rule. Usually the
: money is required to be held in a US based bank for at least 3 months. The
: previous history is not required.
: The lease income can't be the proof of income since it is the future income.
: You need to 2 years history proved income from IRS tax return.
: The US underwriting policy are all programmed and super stupid. No one has
: interest to help you except some local small banks with super high interest
: like 10%.
|
a****t
发帖数: 1056 | 12 In my memory , it is 80%, check out Fannie May Underwritting guideline , the
cash out refinance requirement.
value?
【在 h****s 的大作中提到】
: And I think there is a maximum ratio of the mortgage: 50% of appraisal value?
:
: The
: income.
: interest
|
N****E
发帖数: 1474 | 13 Checked with my broker and it is 50% LTV. It is doable though it is
difficult. |
b********2
发帖数: 5191 | 14 I think for conforming max cash out is 70%, super conforming it's 60% |
a****t
发帖数: 1056 | 15 70%
https://www.fanniemae.com/content/guide/sel100212.pdf
page 169
【在 b********2 的大作中提到】
: I think for conforming max cash out is 70%, super conforming it's 60%
|
N****E
发帖数: 1474 | 16 Wow, very impressive!
My broker told me he can do a 50 ltv purchase investment or a recoup cash
from a purchase tech refi within 90 days of the all cash purchase and give
them 50 % cash out, min loan amount is 300k. Max ltv is 50, they can close
in LLC, Trust, Sub S Corp or Corporation as long as it’s a US entity.
Is the guideline you provided for individual investors, not US entity? Or
maybe the lender has more stricted rule for their protection?
【在 a****t 的大作中提到】
: 70%
: https://www.fanniemae.com/content/guide/sel100212.pdf
: page 169
|
b*d
发帖数: 9308 | 17 $417K一下的贷款可以cash out 80%.
value?
【在 h****s 的大作中提到】
: And I think there is a maximum ratio of the mortgage: 50% of appraisal value?
:
: The
: income.
: interest
|
s**********o
发帖数: 14359 | 18 银行家说我能贷到一百万，把CASH给我，咱们去投资120万的巨斋？ |
t*Q
发帖数: 7840 | 19 犯傻啊。拿一百万偷渡去非洲，那还不是天天当皇帝啊。
【在 s**********o 的大作中提到】
: 银行家说我能贷到一百万，把CASH给我，咱们去投资120万的巨斋？
|
s**********o
发帖数: 14359 | 20 去非洲茹毛饮血啊？LOL
【在 t*Q 的大作中提到】
: 犯傻啊。拿一百万偷渡去非洲，那还不是天天当皇帝啊。
|
|
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o*****p
发帖数: 5952 | 21 沒有报税纪录，conforming loan 很难做。
如果你在加州购屋，我们还有program.
请站内联系。
做
【在 N****E 的大作中提到】
: 请问各位大牛,国内朋友到美国投资房产出租能贷的到款吗? 还是要现金先买房,再做
: equity loan, cash out?
|
b********2
发帖数: 5191 | |
p******y
发帖数: 3523 | 23 没合适的身份和收入证明，rental income也得报过税才作数呢。一般rental income的
作用就是抵消掉一部分债务，还没碰到过强劲到可以代替其他income来贷款的地步。
不过，如果单凭房产抵押作为贷款考量，不考虑客人的收入和其他资产等，估计rate会
相当高，可能在10%左右。 |
