此页面旨在提高透明度和流程效率。它让您可以掌控定价，并简化流程，确保所有参与方都能获得更顺畅的体验。
This page is designed to promote transparency and process efficiency. It gives you control over pricing and streamlines the process, ensuring a smoother experience for all parties involved.
General DSCR Loan Process Instruction
1. 请填写随附的贷款申请表和信用授权书
2. 身份证和社保卡复印件（最好是驾照）
a. 对于永久居民，请提供绿卡或护照复印件。
b. 外籍人士请提供旅行签证。
3. 提供租赁合同
a. 提供三个月的租金支付证明（银行对账单或支付应用程序截图，请勿提供屏幕截图）
4. 如果是购房，请提供购房合同。
5. 如果是再融资，
a. 提供最新的抵押贷款对账单。
b. 结清贷款时需要提供结清证明。
c. 签署抵押贷款核实文件。
6. 主要住所
a. 提供主要房屋的抵押贷款对账单
b. 提供主要住所的房屋保险单复印件
7. 如果房产属于业主协会 (HOA) 管理
a. 需要填写问卷
b. 确认已售单元数量和所有权百分比。
c. 最新的业主协会对账单
d. 房屋综合保险
8.标的房产的最新房产税单
9. 最近三个月的银行对账单（首付证明和流动资金证明）
a. 银行对账单需显示初始存款转账记录。
10. 请委托指定评估公司出具评估报告。评估报告抬头需为 Commercial Element LLC。您可以在右侧的评估公司处开设账户。
a. 所有地块均需提供符合 USPAP 和 FIRREA 标准的评估报告。
b. 单户住宅（SFR）需要 1004 评估报告和 1007 可比租金表。
c. 双拼、三拼和四拼住宅需要 1025 评估表。
d. 公寓需要 1073 评估表。
e. 抵押品桌面分析（不能与评估公司为同一家）。
11. 如果房产由实体持有，请提供州注册文件、良好信誉证书、公司文件、IRS EIN 信函（如适用）以及公告证明。
a. 我们接受以个人名义持有的投资性房产。
12. 请办理产权调查，或由 Essencap 代办。
a. 抵押权人条款：MERS Inc 作为 Commercial Element LLC 的被提名人 ISAOA/ATIMA。 1 Barstow Rd Suite
P6, Great Neck, NY 11021
b. 确保生效日期在交割日期后30天内。
c. 确保产权证书上有签名。
d. 索取包含AAL号码（代理参考号码）的代理人交割信。
e. CC&R（契约、条件和限制）搜索
f. 对实体股东/成员进行破产、爱国者法案/UCC（统一商法典）搜索（州/县）。
g. 贷款详情
i. 贷款编号
ii. 贷款金额 $
iii. 购买方实体名称：
h. 24个月产权链、对实体和担保人的判决/留置权搜索以及OFAC（外国资产控制办公室）搜索
i. 背书：Alta 8、9、14（如有预留款）、17、勘测背书、机械留置权保险、空档期保险
j. 贷款人不会接受ALTA简式保单
k.关于业主协会 (HOA) 相关事宜，请提供 HOA 章程和主保险单。
l. 请提供产权公司签字人的信息，而非过户代理人的信息。我们将提供过户指示，需要知道负责产权登记的人员的姓名、
电子邮件和电话号码。
m. 请提供初步产权账单，请考虑初始押金。
n. 所需搜索：OFAC、破产、判决/留置权、洪水
o. 税务证明
p. 市政搜索
13. 保险
a. 请提供保险证明，其中应包括年度保费、ISAOA 条款、六个月的租金损失险以及与贷款金额或 100% 重置成本相等的保额，以及 50 万美元的责任险。
i. 对于过桥贷款，可免除六个月租金损失险的要求。
ii. 如果房屋价值不足以覆盖贷款金额，请提供重置成本计算。
b. 保险必须按年计费，并在过户时全额支付。
c.请确保保单夹中包含保单号。
d. 请在抵押权条款中添加以下信息：Commercial Element LLC ISAOA/ATIMA，地址：1 Barstow Rd Suite P6, Great Neck, NY 11021，电话：888-269-1033，邮箱：wecare@essecancp.com。
e. 贷款编号：#
f. 贷款金额：$
1. Please fill out attached Loan Application Form & Credit authorization
2. Copy of ID and Social Security Card (Driver License preferable)
a. For Permanent Resident, please provide copy green card or passport.
b. Foreign national please provide travel visa.
3. Provide leases
a. Provide 3 Month Rent Proof with Bank Statement, or Payment App (no print screen)
4. If this is purchase, please provide purchase contract.
5. If this is a refinancing,
a. Provide most recent mortgage statement.
b. Will need a payoff letter at the time of closing.
c. Sign the verification of mortgage
6. Primary resident
a. Provide primary house mortgage statement
b. A copy of the Homeowners insurance for the primary residence
7. If the property is part of HOA association
a. Questionnaire will require
b. Confirm number of units sold, % of ownership.
c. Most recent HOA statement
d. Master insurance
8. Most recent real estate tax statement of the subject property
9. Most recent 3 month bank statement (down payment proof, and liquidity)
a. Bank statement to show the initial deposit transfer.
10. Please order appraisal report with designate appraisal company. The appraisal report needs to be under the name
of Commercial Element LLC. You can set up an account with the appraisal company on the right.
a. A USPAP and FIRREA compliant appraisal will be required for all parcels.
b. SFR properties require a 1004 appraisal with a 1007 comparable rent schedule
c. Duplex, triplex, and fourplex properties require a 1025 appraisal form
d. Condos require a 1073 appraisal form
e. Collateral Desktop Analysis (can not be the same appraisal AMC)
11. If the property under an entity, please provide state registration, certificate of good standing, corporation document, IRS Letter of EIN, when is applicable Proof of publication.
a. We do accept personal name investment property.
12. Please order title, or Essencap can order.
a. Mortgagee clause MERS Inc as Nominee for Commercial Element LLC ISAOA/ATIMA. 1 Barstow Rd Suite
P6, Great Neck, NY 11021
b. Make sure the effective is within 30 days of closing.
c. Make sure the title has signature.
d. Request Agent Closing Letter with AAL number (agent reference number)
e. CC&R search
f. Bkcy, Patriot Act/ UCC search (State/Cunty) against the shareholders/members of the entities.
g. Loan Detail
i. Loan #
ii. Loan amount $
iii. Purchaser is in entity name:
h. 24 month Chain of Title, Judgement/ Lien Search on entity and guarantors and OFAC Search
i. Endorsements: Alta 8, 9, 14 (if there is holdback), 17, survey endorsement, mechanic’s lien coverage, gap coverage
j. The lender will not accept an ALTA Short Form policy
k. For HOA related, please provide HOA Bylaws and Master Insurance Policy
l. Please provide title company signer information, not closer. We will provide closing instruction, need to know name,
email, and phone # for the person, who handle the deed record…
m. Please provide prelim title bill, please take in account the initial deposit.
n. Required Search: OFAC, Bankruptcy, Judgements/Liens, Flood
o. Tax Certificate
p. Municipal search
13. Insurance
a. Please provide evidence of insurance, which should include annual premium, ISAOA clause, six months of rental
loss, and coverage equal to the loan amount or 100% replacement cost, liability insurance of $500,000
i. For bridge loan skip the six-month rental loss requirement.
ii. If the dwelling can not cover loan amount, please offer replacement cost calculation.
b. Insurance must be billed on an annual basis and paid in full at close.
c. Please make sure the binder has the policy number
d. Please add Commercial Element LLC ISAOA/ATIMA, 1 Barstow Rd Suite P6, Great Neck, NY 11021, 888-269-1033
wecare@essecancp.com for the mortgagee clause.
e. Loan number #
f. Loan amount $