s*e
2 楼
这个答复，真要等60天？
We have received your service request and researched the status of your case
. We have had to perform additional review and this has caused a delay in
processing time. Your case is currently with an adjudicating officer. You
should receive a decision or notice of further action within 60 days.
We have received your service request and researched the status of your case
. We have had to perform additional review and this has caused a delay in
processing time. Your case is currently with an adjudicating officer. You
should receive a decision or notice of further action within 60 days.
N*E
3 楼
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?
equity loan, cash out?
f*r
4 楼
有人自己翻译然后公证的。
通常的做法是在国内公证处公证。父母所在地或户口所在地均可办理。
【在 w**********g 的大作中提到】
: 手头只有一份户口所在地派出所开的中文出生证明，这个能在美国办份公证书吗？怎么
: 办？
: 谢谢
通常的做法是在国内公证处公证。父母所在地或户口所在地均可办理。
【在 w**********g 的大作中提到】
: 手头只有一份户口所在地派出所开的中文出生证明，这个能在美国办份公证书吗？怎么
: 办？
: 谢谢
n*0
5 楼
模版回复
C*e
6 楼
富人的烦恼，不懂。
b*e
7 楼
Orz
【在 f**********r 的大作中提到】
: 有人自己翻译然后公证的。
: 通常的做法是在国内公证处公证。父母所在地或户口所在地均可办理。
【在 f**********r 的大作中提到】
: 有人自己翻译然后公证的。
: 通常的做法是在国内公证处公证。父母所在地或户口所在地均可办理。
d*m
8 楼
快了
N*E
9 楼
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!
呵!
a*o
10 楼
我收到的回复跟你的一模一样
[在 southbelle (southbelle) 的大作中提到：]
：这个答复，真要等60天？
：
：...........
[在 southbelle (southbelle) 的大作中提到：]
：这个答复，真要等60天？
：
：...........
d*2
11 楼
不可仪，貌似都是先进买。
N*E
12 楼
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。
【在 d*****2 的大作中提到】
: 不可仪，貌似都是先进买。
G*s
13 楼
国内的朋友好有头脑啊，空手套白狼
N*E
14 楼
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.
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
15 楼
有些华人的银行可以
a*t
16 楼
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?
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
17 楼
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%.
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
18 楼
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%.
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
19 楼
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
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
20 楼
Checked with my broker and it is 50% LTV. It is doable though it is
difficult.
difficult.
b*2
21 楼
I think for conforming max cash out is 70%, super conforming it's 60%
a*t
22 楼
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%
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
23 楼
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
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
24 楼
$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
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
25 楼
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
26 楼
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？
【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
27 楼
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。
【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。
o*p
28 楼
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?
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
29 楼
同行?
【在 a****t 的大作中提到】
: 70%
: https://www.fanniemae.com/content/guide/sel100212.pdf
: page 169
【在 a****t 的大作中提到】
: 70%
: https://www.fanniemae.com/content/guide/sel100212.pdf
: page 169
p*y
30 楼
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。
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。
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