cash out 以后这个房子可以再租出去吗？没有什么功能的规定限制吧？ B11CF6 发表于 2021-11-03 12:59
if you apply cash out refi under "primary/residential house", the rate is lower than rental/investment property, lender requires the house to be owner occupied for at least 1 year before it can be rented out to avoid loan fraud.
问了贷款代理，说cash out 必须还是按工资贷款，否则不给贷。 B11CF6 发表于 2021-11-03 15:14
DTI, debt to income ratio, the most important factor in the loan, it''s 100% related to your income. If your income is not high enough, even the house value is $100K, you can only get the loan at $40K (just for example) 你真够小白的，所有这些问题你的loan agent都应该给你解释清楚
谢谢
你准备怎么处理你的TH？
你可以做个Cash out refinance，这个按说和你买房purchase loan一样是first loan，利息按说差不多吧。不过我自己只搞过普通refinance，不知道cash out的会不会有啥区别。
我更小白， 刚写错了， https://www.rocketmortgage.com/learn/cash-out-refinance-vs-home-equity-loan
申请cash out （重新贷款）问你附近得朋友，随便找一个好得贷款人都可以做得。然后把贷款出来得钱当作头款去买房子。
cash out 得理由最好说是装修房子。
if you apply cash out refi under "primary/residential house", the rate is lower than rental/investment property, lender requires the house to be owner occupied for at least 1 year before it can be rented out to avoid loan fraud.
可以，但是cash out之后你要自己再住一段时间
我上面解释得清清楚楚，cash out的时候这个townhouse 按primary residence， 那你就必须住满一年以后再搬走，才能把它出租，否则就是loan fraud。被lender抓包，会罚款1万，你不想take risk，就最好老老实实地按rental/investment property来搞贷款， 利息高点而已。
DTI, debt to income ratio, the most important factor in the loan, it''s 100% related to your income. If your income is not high enough, even the house value is $100K, you can only get the loan at $40K (just for example)
你真够小白的，所有这些问题你的loan agent都应该给你解释清楚