• Nadlan Capital Group - الولايات المتحدة الأمريكية لتمويل العقارات للأجانب والمقيمين

  دراسة حالة: كيف حصلت شركة نادلان كابيتال على قرض شراء بنسبة 78.3% من قيمة القرض إلى القيمة مع معدل تغطية خدمة دين 1.06

  تم النشر بواسطة مجموعة نادلان في 30 أبريل الساعة 23:45

  Case Study: How Nadlan Capital Secured a 78.3% LTV Purchase Loan with a 1.06 DSCR in North Carolina

  فقرة المقدمة:
  At Nadlan Capital Group, we specialize in structuring creative financing solutions—even when deals fall outside conventional guidelines. In this case, we helped borrowers Chen and Royi close on a single-family rental (SFR) in North Carolina, achieving a high LTV of 78.3% despite a very low DSCR of only 1.06. This transaction showcases our ability to push the limits of investment property lending while keeping borrowers on schedule.

  Borrower & Property Overview:

  • المقترضون: Chen & Royi

  • الموقع نورث كارولينا

  • نوع الوحدة: Single-Family Residence (SFR)

  • سعر الشراء: $315,000

  • القيمة المقدرة: $299,000

  • مبلغ القرض: $234,037

  • Final Rate Chosen: 7.47% (No points)

  • نسبة القرض إلى القيمة (LTV): 78.3%

  • نسبة تغطية خدمة الدين (DSCR): 1.06

  Challenge: A DSCR of Only 1.06
  The underwriting challenge in this case centered around the DSCR. Typically, to receive 80% LTV financing, borrowers must demonstrate a strong cash flow position—often 1.20x or higher. In this case, the DSCR was only 1.06, just barely above the lender’s floor.

  Additionally, delays from third-party vendors—such as title and insurance providers—threatened to push closing beyond the buyer’s due diligence period, risking the entire transaction.

  Our Solution: Navigating Complex Underwriting & Tight Deadlines

  Despite the tight DSCR, Nadlan Capital Group negotiated diligently with the lender to retain an aggressive LTV. Our internal auction and processing teams collaborated to:

  • Communicate directly with the appraisal, title, and insurance agents

  • Address and clear conditions (including account verification and insurance policy delays)

  • Confirm Royi would sign in Israel while Chen signed in the U.S.

  • Clarify confusion over ownership of the WISE bank account, eliminating unnecessary documentation requests

  • Work with the borrower to lock the loan at a competitive 7.47% interest rate with لا نقاط

  When the appraisal returned at $299K, the LTV calculation shifted from 80% to 78.3%, and our team swiftly explained the changes to the borrower, helping them finalize a decision without jeopardizing their timeline.

  Result: Rate Locked, File Cleared, and Closing Scheduled

  Thanks to fast-moving communication, precise documentation handling, and lender negotiation, Nadlan Capital Group:

  • تأمين أ معدل فائدة 7.47٪ مع no buy-down

  • Finalized a 78.3% LTV loan on a purchase with only 1.06 DSCR

  • Delivered lender approval and rate lock just in time for the borrowers to move to closing without losing the deal

  This case highlights the advantage of working with Nadlan Capital Group—where even tough deals can become success stories.

  Looking for a Creative Financing Solution?
  Let Nadlan Capital Group guide your next investment deal. Whether you’re facing tight DSCRs, short timelines, or foreign national status, we know how to close. اتّصل بنا اليوم لاستكشاف خياراتك.

  

  مجموعة نادلان رد 1 شهر، منذ أسابيع 2 1 الأعضاء · 0 الردود

  • DSCR
  • الحجم الأدنى للفريق (LTV)
  • النقاط
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