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  🏦 Τι είναι το PFS σε ένα δάνειο DSCR — Και γιατί απαιτείται;

  αναρτήθηκε από Όμιλος Nadlan στις 16 Απριλίου στις 21:19

  🏦 Τι είναι το PFS σε ένα δάνειο DSCR — Και γιατί απαιτείται;

  Κατά την υποβολή αίτησης για Δάνειο DSCR (Δείκτης Κάλυψης Χρεών), you may be surprised to find that lenders often request a PFS, ή Προσωπική Οικονομική Κατάσταση — even though these loans are known for being “no income verification.”

  📌 What is a Personal Financial Statement (PFS)?

  A Προσωπική Οικονομική Κατάσταση is a document that summarizes the borrower’s:

  • Assets (e.g. real estate, bank accounts, investments)

  • Liabilities (e.g. mortgages, credit cards, personal loans)

  • Net worth (Assets minus Liabilities)

  • Monthly income and expenses (optional, but sometimes included)

  • Ownership in LLCs or corporations (if applicable)

  • Signature and date to certify accuracy

  📋 Why Do Lenders Require a PFS in a DSCR Loan?

  Even though DSCR loans are based on property income, the PFS is still important for these reasons:

  ✅ Evaluate Financial Stability

  Lenders want to confirm the borrower isn’t overleveraged and has sufficient financial strength.

  ✅ Verify Reserve Requirements

  Many DSCR programs require 3 to 12 months of PITIA (Principal, Interest, Taxes, Insurance, and possibly HOA) in reserves. A PFS helps document those liquid assets.

  ✅ Support for Foreign National Borrowers

  Foreign nationals often lack U.S. tax returns or credit history, so a PFS helps showcase their financial profile.

  ✅ Portfolio or Blanket Loans

  If the borrower is refinancing or financing πολλαπλές ιδιότητες, the PFS gives the lender a full picture of financial capacity.

  ✅ Lender or Investor Compliance

  Some funding institutions or investors require a signed PFS to comply with underwriting audits or risk management policies.

  📄 What Does a PFS Include?

  Here’s what is usually listed on a Personal Financial Statement:

  • Ενεργητικό: Real estate, vehicles, cash, retirement accounts, stocks, business ownership

  • Υποχρεώσεις: Mortgages, student loans, credit cards, other debts

  • Monthly Income (optional): Can be self-reported for internal reference

  • Monthly Expenses (optional): Used for internal debt evaluation

  • Net Worth Calculation: Automatically derived from total assets minus total liabilities

  • Υπογραφή & Ημερομηνία: Confirms authenticity of the provided information

  🧠 Τελικές σκέψεις

  While a DSCR loan doesn’t require traditional documents like W2s, tax returns, or pay stubs, μια PFS is often required to demonstrate liquidity and responsible financial management. It gives the lender added confidence — especially in riskier loan scenarios like foreign nationals or multi-property investors.

  If you like to get a quote from an auction of 3000+ lenders, you are more than welcome to contact us at http://www.NadlanCapitalGroup.com

  

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