\ubbf8\uad6d \ud22c\uc790 \ubd80\ub3d9\uc0b0\uc744 \ub9e4\uc785\ud558\ub824\ub294 \uc678\uad6d\uc778\uc5d0\uac8c \uac00\uc7a5 \uba3c\uc800 \ud544\uc694\ud55c \uac83\uc740 \ub9e4\ubb3c \uac80\uc0c9\uc774 \uc544\ub2c8\ub77c \uc790\uae08 \uad6c\uc870\uc758 \ud655\uc778\uc785\ub2c8\ub2e4. \uc678\uad6d\uc778 \ud22c\uc790\uc6a9 \uc8fc\ud0dd\ub300\ucd9c \uc548\ub0b4\ub97c \ucc3e\ub294 \ubd84\ub4e4\uc774 \ud754\ud788 \ub193\uce58\ub294 \ubd80\ubd84\uc740 \ub300\ucd9c \uac00\ub2a5 \uc5ec\ubd80\uac00 \uad6d\uc801 \ud558\ub098\ub85c \uacb0\uc815\ub418\uc9c0 \uc54a\ub294\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \uac70\uc8fc \uc0c1\ud0dc, \ubcf4\uc720 \ud604\uae08, \uc18c\ub4dd \ubc1c\uc0dd \uad6d\uac00, \ubbf8\uad6d \ub0b4 \uc2e0\uc6a9 \uae30\ub85d, \ub9e4\uc785\ud560 \ubd80\ub3d9\uc0b0\uc758 \uc885\ub958\uc640 \uc784\ub300 \uacc4\ud68d\uc774 \ud568\uaed8 \uc2ec\uc0ac\ub429\ub2c8\ub2e4. \uac19\uc740 \uac00\uaca9\uc758 \ucf58\ub3c4\ub77c\ub3c4 \ubcf8\uc778 \uac70\uc8fc\uc6a9\uc778\uc9c0 \ud22c\uc790\uc6a9\uc778\uc9c0\uc5d0 \ub530\ub77c \ud544\uc694\ud55c \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \uae08\ub9ac, \uc900\ube44 \uc11c\ub958\uac00 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ubbf8\uad6d\uc758 \uc678\uad6d\uc778 \ud22c\uc790\uc6a9 \ubaa8\uae30\uc9c0\ub294 \uc77c\ubc18 \uc740\ud589\uc758 \ud45c\uc900 \ub300\ucd9c\ub9cc\uc73c\ub85c \ud310\ub2e8\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d \uc138\uae08\ubcf4\uace0\uc640 \uc18c\ub4dd \uc99d\ube59\uc774 \ucda9\ubd84\ud55c \uc601\uc8fc\uad8c\uc790 \ub610\ub294 \ube44\uc790 \ubcf4\uc720\uc790\ub77c\uba74 \uc77c\ubc18 \ucee8\ubca4\uc154\ub110 \ud504\ub85c\uadf8\ub7a8\uc744 \uac80\ud1a0\ud560 \uc218 \uc788\uc9c0\ub9cc, \ubbf8\uad6d \ube44\uac70\uc8fc\uc790\ub098 \ud574\uc678 \uc18c\ub4dd \uc911\uc2ec\uc758 \ud22c\uc790\uc790\ub294 Foreign National Loan, DSCR Loan, \uc790\uc0b0 \uae30\ubc18 \ub300\ucd9c\ucc98\ub7fc \ubcc4\ub3c4 \uc2ec\uc0ac \uae30\uc900\uc744 \uc801\uc6a9\ud558\ub294 \ud504\ub85c\uadf8\ub7a8\uc774 \ub354 \ud604\uc2e4\uc801\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uc694\ud55c \uac83\uc740 \uac00\uc7a5 \ub0ae\uc740 \uad11\uace0 \uae08\ub9ac\ub9cc \ube44\uad50\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \ubcf8\uc778\uc758 \uc790\uae08 \ucd9c\ucc98\uc640 \ud22c\uc790 \ubaa9\uc801\uc5d0 \ub9de\ub294 \ub300\ucd9c\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n
\uc678\uad6d \uad6d\uc801\uc774\ub77c\uace0 \ud574\uc11c \ubbf8\uad6d \ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc774 \ubd88\uac00\ub2a5\ud55c \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub2e4\ub9cc \ubbf8\uad6d \uc2dc\ubbfc\uad8c\uc790\ub098 \uc601\uc8fc\uad8c\uc790\uc640 \ub3d9\uc77c\ud55c \uc870\uac74\uc774 \uc790\ub3d9\uc73c\ub85c \uc801\uc6a9\ub418\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4. \ub300\ucd9c\uae30\uad00\uc740 \ucc28\uc8fc\uc758 \uc0c1\ud658 \ub2a5\ub825\uacfc \ub2f4\ubcf4 \ubd80\ub3d9\uc0b0\uc758 \uc548\uc815\uc131\uc744 \ud655\uc778\ud574\uc57c \ud558\ubbc0\ub85c, \ubbf8\uad6d \ub0b4 \uc2e0\uc6a9\uacfc \uc18c\ub4dd \uc790\ub8cc\uac00 \ubd80\uc871\ud55c \uacbd\uc6b0 \ub2e4\ub978 \ubc29\uc2dd\uc758 \uc99d\ube59\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4.<\/p>\n
\uc6b0\uc120 \ubcf8\uc778\uc758 \uac70\uc8fc \uc0c1\ud0dc\ub97c \uba85\ud655\ud788 \ud574\uc57c \ud569\ub2c8\ub2e4. \ubbf8\uad6d \ub0b4 \ud569\ubc95\uc801 \uccb4\ub958 \uc2e0\ubd84\uc744 \uac00\uc9c4 \ube44\uc790 \ubcf4\uc720\uc790\ub294 \uc2e0\ubd84 \uc885\ub958\uc640 \uccb4\ub958 \uae30\uac04, \ubbf8\uad6d \ub0b4 \uc18c\ub4dd \uc720\ubb34\uc5d0 \ub530\ub77c \uc77c\ubc18 \ub300\ucd9c \ub610\ub294 \ube44\uac70\uc8fc\uc790 \ud504\ub85c\uadf8\ub7a8\uc744 \ube44\uad50\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud55c\uad6d\uc5d0 \uac70\uc8fc\ud558\uba74\uc11c \ubbf8\uad6d \ud22c\uc790 \ubd80\ub3d9\uc0b0\uc744 \ub9e4\uc785\ud558\ub824\ub294 \uacbd\uc6b0\uc5d0\ub294 \ub300\uccb4\ub85c Foreign National \ud504\ub85c\uadf8\ub7a8\uc744 \uac80\ud1a0\ud558\uac8c \ub429\ub2c8\ub2e4. \uc774 \uacbd\uc6b0 \ubbf8\uad6d SSN\uc774 \uc5c6\uac70\ub098 \ubbf8\uad6d \uc2e0\uc6a9\uc810\uc218\uac00 \ubd80\uc871\ud574\ub3c4 \ub300\ucd9c\uc774 \uac00\ub2a5\ud55c \uc0ac\ub840\uac00 \uc788\uc9c0\ub9cc, \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \uc608\ube44\ube44 \uc694\uad6c\uac00 \ub192\uc544\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ub9e4\uc785 \ubaa9\uc801\ub3c4 \uc2ec\uc0ac\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4. \ub2e8\ub3c5\uc8fc\ud0dd\uc744 \uc7a5\uae30 \uc784\ub300\ud560 \uacc4\ud68d\uc778\uc9c0, \ucf58\ub3c4\ub098 \ud0c0\uc6b4\ud558\uc6b0\uc2a4\ub97c \uc784\ub300\ud560 \uacc4\ud68d\uc778\uc9c0, \ub2e8\uae30 \uc784\ub300 \uc218\uc775\uc744 \uae30\ub300\ud558\ub294\uc9c0\uc5d0 \ub530\ub77c \ub300\ucd9c\uae30\uad00\uc758 \ud5c8\uc6a9 \uae30\uc900\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \ud2b9\ud788 \ub2e8\uae30 \uc784\ub300\ub294 \uc9c0\uc5ed \uaddc\uc815, HOA \uc81c\ud55c, \uc608\uc0c1 \uc810\uc720\uc728\uc758 \ubcc0\ub3d9\uc131\uc774 \ucee4\uc11c \ubaa8\ub4e0 \ud504\ub85c\uadf8\ub7a8\uc5d0\uc11c \ub3d9\uc77c\ud558\uac8c \uc778\uc815\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uacc4\uc57d \uc804 \ud574\ub2f9 \ubd80\ub3d9\uc0b0\uc758 \uc784\ub300 \uac00\ub2a5 \uc870\uac74\uc744 \ud655\uc778\ud574\uc57c \ud558\ub294 \uc774\uc720\uc785\ub2c8\ub2e4.<\/p>\n
\uc678\uad6d\uc778 \ud22c\uc790\uc6a9 \ub300\ucd9c\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \ub9e4\uc785 \uac00\uaca9\uc758 \uc77c\uc815 \ubd80\ubd84\uc744 \ubcf8\uc778 \uc790\uae08\uc73c\ub85c \uc900\ube44\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2e4\uc81c \ube44\uc728\uc740 \uc2e0\uc6a9, \ubd80\ub3d9\uc0b0 \uc720\ud615, \ub300\ucd9c \uae08\uc561, \uc790\uc0b0 \uc99d\ube59, \uc784\ub300 \uc218\uc775 \uc778\uc815 \ubc29\uc2dd\uc5d0 \ub530\ub77c \ub2e4\ub974\uc9c0\ub9cc, \ube44\uac70\uc8fc \uc678\uad6d\uc778 \ud22c\uc790\uc790\ub294 \ud1b5\uc0c1 \ub354 \ub192\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub97c \uc608\uc0c1\ud558\ub294 \ud3b8\uc774 \uc548\uc804\ud569\ub2c8\ub2e4. \ub2e8\uc21c\ud788 \uacc4\uc57d\uae08\ub9cc \uc900\ube44\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \ud074\ub85c\uc9d5 \ube44\uc6a9\uacfc \ub300\ucd9c\uae30\uad00\uc774 \uc694\uad6c\ud558\ub294 \uc608\ube44\ube44\uae4c\uc9c0 \ubcc4\ub3c4\ub85c \uacc4\uc0b0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n
\uc608\ube44\ube44\ub294 \ubaa8\uae30\uc9c0 \uc6d0\ub9ac\uae08, \uc7ac\uc0b0\uc138, \ubcf4\ud5d8\ub8cc, HOA \ube44\uc6a9\uc744 \ud3ec\ud568\ud55c \uc6d4 \uc8fc\uac70\ube44\ub97c \uba87 \uac1c\uc6d4\uac04 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \ud604\uae08 \ub610\ub294 \uc720\ub3d9\uc131 \uc790\uc0b0\uc744 \ub9d0\ud569\ub2c8\ub2e4. \ud22c\uc790 \ubd80\ub3d9\uc0b0\uc740 \uacf5\uc2e4, \uc218\ub9ac\ube44, \uc784\ucc28\uc778 \uad50\uccb4 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0 \ub300\ucd9c\uae30\uad00\ub3c4 \ubcf4\uc720 \uc790\uae08\uc758 \uc548\uc815\uc131\uc744 \ubd05\ub2c8\ub2e4. \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc5d0 \uc790\uae08\uc744 \ubaa8\ub450 \uc0ac\uc6a9\ud55c \ub4a4 \uacc4\uc88c \uc794\uc561\uc774 \ubd80\uc871\ud558\uba74, \uc18c\ub4dd\uc774 \ucda9\ubd84\ud574 \ubcf4\uc5ec\ub3c4 \uc2b9\uc778\uc774 \uc5b4\ub824\uc6cc\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ud55c\uad6d\uc5d0\uc11c \uc1a1\uae08\ud558\ub294 \uc790\uae08\uc740 \ucd9c\ucc98\ub97c \uc124\uba85\ud560 \uc218 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4. \uae09\uc5ec, \uc0ac\uc5c5\uc18c\ub4dd, \ubd80\ub3d9\uc0b0 \ub9e4\uac01\ub300\uae08, \uc608\uae08, \ud22c\uc790\uc790\uc0b0 \ucc98\ubd84\ub300\uae08 \ub4f1 \uc790\uae08\uc758 \ud615\uc131 \uacfc\uc815\uc774 \ud655\uc778\ub418\uba74 \uc2ec\uc0ac\uac00 \ud6e8\uc52c \uc218\uc6d4\ud569\ub2c8\ub2e4. \ud070 \uae08\uc561\uc774 \uac11\uc790\uae30 \uc785\uae08\ub41c \uacbd\uc6b0\uc5d0\ub294 \ucd94\uac00 \uc124\uba85\uacfc \uc11c\ub958\uac00 \ud544\uc694\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c, \uacc4\uc57d \uc9c1\uc804\uc5d0 \uacc4\uc88c\ub97c \ubcf5\uc7a1\ud558\uac8c \uc774\ub3d9\uc2dc\ud0a4\uae30\ubcf4\ub2e4 \uc0ac\uc804\uc5d0 \uc790\uae08 \ud750\ub984\uc744 \uc815\ub9ac\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n
\ubbf8\uad6d W-2 \uae09\uc5ec\uba85\uc138\uc11c\ub098 \uc138\uae08\ubcf4\uace0\uc11c\uac00 \uc5c6\ub294 \ud22c\uc790\uc790\uc5d0\uac8c\ub294 \uc18c\ub4dd \uc99d\ube59 \ubc29\uc2dd\uc774 \uac00\uc7a5 \ud070 \uc7a5\ubcbd\uc774 \ub429\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ubaa8\ub4e0 \ub300\ucd9c\uc774 \uac19\uc740 \ubc29\uc2dd\uc73c\ub85c \uc18c\ub4dd\uc744 \uacc4\uc0b0\ud558\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ud574\uc678 \uc0ac\uc5c5\uccb4\ub97c \uc6b4\uc601\ud558\uac70\ub098 \ud55c\uad6d\uc5d0\uc11c \uae09\uc5ec \ubc0f \uc784\ub300\uc18c\ub4dd\uc744 \ubc1b\ub294 \uacbd\uc6b0\uc5d0\ub3c4, \uc740\ud589 \uac70\ub798\ub0b4\uc5ed, \uace0\uc6a9 \ud655\uc778\uc11c, \ud68c\uacc4\uc790\ub8cc, \uc138\uae08 \uad00\ub828 \uc11c\ub958, \uc790\uc0b0 \ub0b4\uc5ed \ub4f1\uc744 \ubc14\ud0d5\uc73c\ub85c \uc2ec\uc0ac \uac00\ub2a5\ud55c \ud504\ub85c\uadf8\ub7a8\uc774 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc758 \uc784\ub300 \uc218\uc775\uc744 \uc911\uc2ec\uc73c\ub85c \ud310\ub2e8\ud558\ub294 DSCR \ub300\ucd9c\ub3c4 \ud558\ub098\uc758 \uc120\ud0dd\uc9c0\uc785\ub2c8\ub2e4. DSCR\uc740 \ubd80\ub3d9\uc0b0\uc5d0\uc11c \uc608\uc0c1\ub418\ub294 \uc784\ub300 \uc218\uc785\uc774 \uc6d4\ubcc4 \ubaa8\uae30\uc9c0 \ube44\uc6a9\uc744 \uc5b4\ub290 \uc815\ub3c4 \ucda9\ub2f9\ud558\ub294\uc9c0 \ubcf4\ub294 \uc9c0\ud45c\uc785\ub2c8\ub2e4. \ucc28\uc8fc\uc758 \uac1c\uc778 \uc18c\ub4dd \uc99d\ube59 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\ub2e4\ub294 \uc7a5\uc810\uc774 \uc788\uc9c0\ub9cc, \ubaa8\ub4e0 \ubd80\ub3d9\uc0b0\uc774 \uac19\uc740 \uae30\uc900\uc744 \ucda9\uc871\ud558\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc608\uc0c1 \uc784\ub300\ub8cc \uc0b0\uc815, \uacf5\uc2e4 \uc704\ud5d8, HOA \ube44\uc6a9, \uc7ac\uc0b0\uc138\uc640 \ubcf4\ud5d8\ub8cc\uac00 \uacb0\uacfc\uc5d0 \uc9c1\uc811 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/p>\n
DSCR \ub300\ucd9c\uc740 \uac1c\uc778 \uc18c\ub4dd \uc790\ub8cc\uac00 \uc801\ub2e4\ub294 \uc774\uc720\ub9cc\uc73c\ub85c \ubb34\uc870\uac74 \uc720\ub9ac\ud55c \uc0c1\ud488\uc740 \uc544\ub2d9\ub2c8\ub2e4. \uc77c\ubc18 \ub300\ucd9c\ubcf4\ub2e4 \uae08\ub9ac\uac00 \ub192\uac70\ub098 \uc120\ub0a9 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uace0, \uc870\uae30\uc0c1\ud658 \uc218\uc218\ub8cc \uc870\uac74\uc774 \ud3ec\ud568\ub418\ub294 \uacbd\uc6b0\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \ub2e8\uae30 \ub9e4\uac01\uc744 \uacc4\ud68d\ud558\ub294 \ud22c\uc790\uc790\uc640 \uc7a5\uae30 \ubcf4\uc720\ub97c \uacc4\ud68d\ud558\ub294 \ud22c\uc790\uc790\uc758 \ud310\ub2e8\uc740 \ub2ec\ub77c\uc838\uc57c \ud569\ub2c8\ub2e4. \ub0ae\uc740 \uc11c\ub958 \ubd80\ub2f4\uacfc \uc804\uccb4 \uae08\uc735 \ube44\uc6a9 \uc0ac\uc774\uc758 \uade0\ud615\uc744 \ube44\uad50\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n
\ubbf8\uad6d \uc2e0\uc6a9\uc810\uc218\uac00 \uc5c6\ub2e4\uace0 \ud574\uc11c \ubaa8\ub4e0 \uae38\uc774 \ub9c9\ud788\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub2e4\ub9cc \uc2e0\uc6a9 \uc774\ub825\uc774 \uc788\ub294 \ucc28\uc8fc\ubcf4\ub2e4 \uc120\ud0dd \uac00\ub2a5\ud55c \uc0c1\ud488 \uc218\uac00 \uc904\uace0, \uae08\ub9ac\uc640 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8 \uc870\uac74\uc774 \ub2ec\ub77c\uc9c8 \uac00\ub2a5\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\ubd80 \ud504\ub85c\uadf8\ub7a8\uc740 \ud574\uc678 \uc2e0\uc6a9\ubcf4\uace0\uc11c, \uad6d\uc81c \uc2e0\uc6a9 \uc790\ub8cc \ub610\ub294 \uc790\uc0b0\uacfc \uc18c\ub4dd\uc758 \uc548\uc815\uc131\uc744 \ubcf4\uc644 \uc790\ub8cc\ub85c \uac80\ud1a0\ud569\ub2c8\ub2e4. \uc801\uc6a9 \uac00\ub2a5 \uc5ec\ubd80\ub294 \ub300\ucd9c\uae30\uad00\uacfc \ud504\ub85c\uadf8\ub7a8\ub9c8\ub2e4 \ub2e4\ub974\ubbc0\ub85c, \ud574\uc678 \uc2e0\uc6a9 \uc790\ub8cc\ub97c \uc778\uc815\ud55c\ub2e4\uace0 \ub2e8\uc815\ud574\uc11c\ub294 \uc548 \ub429\ub2c8\ub2e4.<\/p>\n
\ubbf8\uad6d \ub0b4 \uc2e0\uc6a9\uc744 \uc0c8\ub85c \uc313\ub294 \uacfc\uc815\uc5d0 \uc788\ub2e4\uba74 \ub2e8\uae30\uac04\uc5d0 \uc5ec\ub7ec \uae08\uc735\uae30\uad00\uc5d0 \ubb34\ubd84\ubcc4\ud558\uac8c \uc2e0\uccad\ud558\ub294 \ubc29\uc2dd\uc740 \ud53c\ud558\ub294 \ud3b8\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc2e0\uc6a9\uc870\ud68c \uae30\ub85d\uc774 \ub298\uc5b4\ub098\uba74 \uc2ec\uc0ac \uacfc\uc815\uc5d0\uc11c \ucd94\uac00 \uc9c8\ubb38\uc774 \uc0dd\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud22c\uc790 \ub9e4\uc785 \uc2dc\uc810\uc774 \uc815\ud574\uc838 \uc788\ub2e4\uba74 \uba3c\uc800 \ub300\ucd9c \uac00\ub2a5 \ubc94\uc704\uc640 \ud544\uc694\ud55c \uc2e0\uc6a9 \uc870\uac74\uc744 \uc0c1\ub2f4\ubc1b\uace0, \ubd80\uc871\ud55c \ubd80\ubd84\uc744 \ubcf4\uc644\ud558\ub294 \uc77c\uc815\ubd80\ud130 \uc138\uc6b0\ub294 \uac83\uc774 \ud6a8\uc728\uc801\uc785\ub2c8\ub2e4.<\/p>\n
\uc678\uad6d\uc778 \ud22c\uc790\uc790\ub294 \uad00\ub9ac \ud3b8\uc758\uc131 \ub54c\ubb38\uc5d0 \ucf58\ub3c4\ub97c \uc120\ud638\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc9c0\ub9cc, \ucf58\ub3c4\ub294 \uac74\ubb3c \uc790\uccb4\uc758 \uc7ac\uc815 \uc0c1\ud0dc\uc640 HOA \uaddc\uc815\ub3c4 \uc2ec\uc0ac \ub300\uc0c1\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc784\ub300 \uc81c\ud55c\uc774 \uc788\uac70\ub098 \uc18c\uc1a1, \ubcf4\ud5d8, \uc608\uc0b0 \ubb38\uc81c\ub97c \uac00\uc9c4 \ub2e8\uc9c0\ub294 \ucc28\uc8fc\uc758 \uc790\uaca9\uacfc \uad00\uacc4\uc5c6\uc774 \ub300\ucd9c \uc9c4\ud589\uc774 \uc81c\ud55c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uad00\uad11\uc9c0\ub098 \ub3c4\uc2ec\uc758 \ucf58\ub3c4\ub294 \ub2e8\uae30 \uc784\ub300 \ud5c8\uc6a9 \uc5ec\ubd80\ub97c \ub9e4\uc785 \uc804 \ubc18\ub4dc\uc2dc \ubb38\uc11c\ub85c \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n
\ub2e8\ub3c5\uc8fc\ud0dd\uacfc 2-4\uc720\ub2db \uc8fc\ud0dd\uc740 \uc784\ub300 \uc218\uc775\uacfc \uad00\ub9ac \ubc29\uc2dd\uc5d0\uc11c \uc7a5\uc810\uc774 \uc788\uc9c0\ub9cc, \uc720\uc9c0\ubcf4\uc218 \ucc45\uc784\ub3c4 \ucee4\uc9d1\ub2c8\ub2e4. \ub2e4\uac00\uad6c \uc8fc\ud0dd\uc740 \uc784\ub300 \uc218\uc785\uc744 \ud65c\uc6a9\ud55c \uc2ec\uc0ac\uac00 \uac00\ub2a5\ud560 \uc218 \uc788\uc73c\ub098, \uc720\ub2db \uc218\uc640 \ud604\uc7ac \uc784\ub300\ucc28 \uacc4\uc57d, \uac10\uc815\ud3c9\uac00\uc0c1 \uc784\ub300\ub8cc, \uc9c0\uc5ed \uaddc\uc815\uc5d0 \ub530\ub77c \uc870\uac74\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \uc0c1\uc5c5\uc6a9 \ubd80\ub3d9\uc0b0\uc774\ub098 5\uc720\ub2db \uc774\uc0c1 \uac74\ubb3c\uc740 \uc77c\ubc18 \uc8fc\ud0dd \ubaa8\uae30\uc9c0\uc640 \ub2e4\ub978 \uae08\uc735 \uad6c\uc870\uac00 \uc801\uc6a9\ub420 \uc218 \uc788\uc73c\ubbc0\ub85c \ucc98\uc74c\ubd80\ud130 \uad6c\ubd84\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n
\ud22c\uc790\uc790\ub294 \uae08\ub9ac\ub9cc \ubcf4\uace0 \uc6d4 \ub0a9\ubd80\uc561\uc744 \uacc4\uc0b0\ud558\uae30 \uc27d\uc9c0\ub9cc, \uc2e4\uc81c \ubcf4\uc720 \ube44\uc6a9\uc740 \ub354 \ub113\uac8c \ubd10\uc57c \ud569\ub2c8\ub2e4. \uc6d0\uae08\uacfc \uc774\uc790 \uc678\uc5d0\ub3c4 \uc7ac\uc0b0\uc138, \uc8fc\ud0dd\ubcf4\ud5d8, HOA \ube44\uc6a9, \ub80c\ub354 \uc218\uc218\ub8cc, \uac10\uc815\ud3c9\uac00\ube44, \ud0c0\uc774\ud2c0 \ube44\uc6a9, \uc5d0\uc2a4\ud06c\ub85c \ube44\uc6a9, \uad00\ub9ac\ube44, \uc218\ub9ac\ube44\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. \uc9c0\uc5ed\uc5d0 \ub530\ub77c \ud64d\uc218\ubcf4\ud5d8\uc774\ub098 \ud654\uc7ac\ubcf4\ud5d8 \ube44\uc6a9\uc774 \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\uba70, \ucd5c\uadfc \ubcf4\ud5d8\ub8cc \ubcc0\ub3d9\uc740 \ud22c\uc790 \uc218\uc775\ub960\uc5d0 \uc0c1\ub2f9\ud55c \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ub610\ud55c \ud658\uc728\ub3c4 \ud574\uc678 \ud22c\uc790\uc790\uc5d0\uac8c\ub294 \uc911\uc694\ud55c \ubcc0\uc218\uc785\ub2c8\ub2e4. \ud55c\uad6d \uc6d0\ud654\ub85c \uc790\uc0b0\uc744 \ubcf4\uc720\ud558\uace0 \ub2ec\ub7ec\ub85c \ub300\ucd9c\uacfc \ube44\uc6a9\uc744 \uc0c1\ud658\ud55c\ub2e4\uba74, \ud658\uc728 \ubcc0\ud654\uac00 \uc2e4\uc9c8 \ud604\uae08\ud750\ub984\uc5d0 \uc601\ud5a5\uc744 \uc90d\ub2c8\ub2e4. \ub300\ucd9c\uc744 \ub9ce\uc774 \ud65c\uc6a9\ud558\uba74 \ucd08\uae30 \ud22c\uc790\uae08\uc740 \uc904\uc77c \uc218 \uc788\uc9c0\ub9cc, \ub2ec\ub7ec \uae08\ub9ac\uc640 \ud658\uc728 \ubcc0\ub3d9\uc5d0 \ub300\ud55c \ub178\ucd9c\uc740 \ucee4\uc9d1\ub2c8\ub2e4. \ubc18\ub300\ub85c \ud604\uae08 \ube44\uc911\uc744 \ub192\uc774\uba74 \uae08\uc735\ube44\uc6a9\uc740 \uc904\uc9c0\ub9cc \ub2e4\ub978 \ud22c\uc790 \uae30\ud68c\ub97c \ud65c\uc6a9\ud560 \uc720\ub3d9\uc131\uc774 \ub0ae\uc544\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
\ubbf8\uad6d \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uc5d0\uc11c \uc88b\uc740 \ud22c\uc790 \ub9e4\ubb3c\uc740 \ube60\ub974\uac8c \uacc4\uc57d\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc678\uad6d\uc778 \ud22c\uc790\uc790\ub294 \uc5ec\uad8c, \ube44\uc790 \ub610\ub294 \uac70\uc8fc \uad00\ub828 \uc11c\ub958, \ud574\uc678 \uc740\ud589\uc790\ub8cc, \uc18c\ub4dd \uc790\ub8cc, \uc790\uc0b0 \ucd9c\ucc98 \uc790\ub8cc\ub97c \uc900\ube44\ud558\ub294 \ub370 \uc2dc\uac04\uc774 \uac78\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub9e4\ubb3c\uc744 \ucc3e\uc740 \ub4a4 \uc11c\ub958\ub97c \ubaa8\uc73c\uae30 \uc2dc\uc791\ud558\uba74 \uacc4\uc57d \uc77c\uc815\uc774 \ucd09\ubc15\ud574\uc9c0\uace0, \ubd88\ub9ac\ud55c \uc870\uac74\uc744 \ubc1b\uc544\ub4e4\uc77c \uac00\ub2a5\uc131\uc774 \ub192\uc544\uc9d1\ub2c8\ub2e4.<\/p>\n
\uc0ac\uc804\uc2b9\uc778\uc740 \ub2e8\uc21c\ud788 \uc5bc\ub9c8\uae4c\uc9c0 \ube4c\ub9b4 \uc218 \uc788\ub294\uc9c0 \ud655\uc778\ud558\ub294 \uc808\ucc28\uac00 \uc544\ub2d9\ub2c8\ub2e4. \ud22c\uc790 \uc608\uc0b0\uc744 \ud604\uc2e4\uc801\uc73c\ub85c \uc815\ud558\uace0, \ud544\uc694\ud55c \ud604\uae08 \uaddc\ubaa8\ub97c \uacc4\uc0b0\ud558\uba70, \uc5b4\ub5a4 \ubd80\ub3d9\uc0b0 \uc720\ud615\uc774 \uac00\ub2a5\ud55c\uc9c0 \uac78\ub7ec\ub0b4\ub294 \uacfc\uc815\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc678\uad6d\uc778 \ud504\ub85c\uadf8\ub7a8\uc740 \ub300\ucd9c\uae30\uad00\ub9c8\ub2e4 \uc778\uc815\ud558\ub294 \uc11c\ub958\uc640 \ud5c8\uc6a9 \uc9c0\uc5ed, \ucd5c\uc18c \ub300\ucd9c\uae08, \ucd5c\ub300 LTV\uac00 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\ub098\uc758 \uc740\ud589\uc5d0\uc11c \uc5b4\ub835\ub2e4\ub294 \ub2f5\uc744 \ubc1b\uc558\ub2e4\uace0 \ud574\uc11c \ubaa8\ub4e0 \uc120\ud0dd\uc9c0\uac00 \uc5c6\ub2e4\ub294 \ub73b\uc740 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n
1988\ub144\ubd80\ud130 \ub2e4\uc591\ud55c \ucc28\uc8fc\uc758 \uc8fc\ud0dd\uae08\uc735\uc744 \uc9c0\uc6d0\ud574 \uc628<\/a> URI Financial\uc740 \ube44\uac70\uc8fc\uc790, \uc790\uc601\uc5c5\uc790, \ud22c\uc790\uc790\ucc98\ub7fc \ud45c\uc900 \uc2ec\uc0ac \uae30\uc900\ub9cc\uc73c\ub85c \uc124\uba85\ud558\uae30 \uc5b4\ub824\uc6b4 \uc0c1\ud669\uc5d0\uc11c \ub300\ucd9c \uad6c\uc870\ub97c \ube44\uad50\ud558\ub294 \uc811\uadfc\uc744 \uc911\uc694\ud558\uac8c \ubd05\ub2c8\ub2e4. \uace0\uac1d\uc758 \uad6d\uc801\uc774\ub098 \ub2e8\uc77c \uc2e0\uc6a9\uc810\uc218\ub9cc \ubcf4\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uac70\uc8fc \uc0c1\ud0dc, \uc790\uc0b0, \uc18c\ub4dd \ubb38\uc11c, \ub9e4\uc785 \ubaa9\uc801, \ubcf4\uc720 \uae30\uac04\uc744 \ud568\uaed8 \uac80\ud1a0\ud574\uc57c \uc801\ud569\ud55c \ubc29\ud5a5\uc744 \uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n \ubbf8\uad6d \ud22c\uc790 \ubd80\ub3d9\uc0b0\uc758 \uc88b\uc740 \uc870\uac74\uc740 \ub0ae\uc740 \uae08\ub9ac \ud558\ub098\ub85c \uacb0\uc815\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubcf8\uc778\uc758 \ud604\uae08 \ubcf4\uc720 \uacc4\ud68d\uc744 \ud574\uce58\uc9c0 \uc54a\uc73c\uba74\uc11c, \uc784\ub300 \uc218\uc775 \ubcc0\ub3d9\uacfc \uacf5\uc2e4 \uae30\uac04\uc744 \uacac\ub51c \uc218 \uc788\uace0, \ud5a5\ud6c4 \ub9e4\uac01\uc774\ub098 \uc7ac\uc735\uc790 \uacc4\ud68d\uae4c\uc9c0 \uace0\ub824\ud55c \ub300\ucd9c\uc774 \uc88b\uc740 \ub300\ucd9c\uc785\ub2c8\ub2e4. \uacc4\uc57d\uc11c\ub97c \uc4f0\uae30 \uc804, \uc608\uc0c1\ubcf4\ub2e4 \ubcf4\uc218\uc801\uc778 \uc784\ub300\uc218\uc785\uacfc \ube44\uc6a9\uc744 \uae30\uc900\uc73c\ub85c \uc6d4 \ud604\uae08\ud750\ub984\uc744 \ub2e4\uc2dc \uacc4\uc0b0\ud574 \ubcf4\uc2ed\uc2dc\uc624. \uadf8 \uc22b\uc790\uac00 \ud3b8\uc548\ud558\uac8c \uc720\uc9c0\ub41c\ub2e4\uba74, \ud22c\uc790 \ud310\ub2e8\ub3c4 \ud55c\uce35 \ub354 \uc548\uc815\uc801\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":" \uc678\uad6d\uc778 \ud22c\uc790\uc6a9 \uc8fc\ud0dd\ub300\ucd9c \uc548\ub0b4: \ubbf8\uad6d \ube44\uac70\uc8fc\uc790\uc640 \ud574\uc678 \uc18c\ub4dd \ud22c\uc790\uc790\uac00 \uc54c\uc544\uc57c \ud560 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8, \uc11c\ub958, \uae08\ub9ac, DSCR, \uc608\ube44\ube44 \uae30\uc900\uc744 \uc124\uba85\ud569\ub2c8\ub2e4. \ub9e4\uc785 \uc804 \uc0ac\uc804\uc2b9\uc778\uc73c\ub85c \uac00\ub2a5\ud55c \uc608\uc0b0\uacfc \ubcf4\uc720 \uc804\ub7b5\uc744 \ud655\uc778\ud558\uc138\uc694. \ub300\ucd9c \uad6c\uc870\ub97c \ube44\uad50\ud574 \ud604\uae08\ud750\ub984\uacfc \uc7a5\uae30 \uc218\uc775\uc131\uc744 \ud568\uaed8 \ud310\ub2e8\ud558\uc138\uc694.<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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