What is a lenders yield - Study guides, Class notes & Summaries

Why do lenders collect reserve funds at the property closing? A) To get a higher yield in their investment B) To be sure money will be available for tax and insurance purposes C) To have extra money that will accrue interest D) To hedge against increases in taxes or insurance premiums - Answer- B) To be sure money will be available for tax and insurance payments The cost recovery period for land improvements is how long? A) 15 years B) 25 years C) 27.5 years D) 30 years - Answer- A)...

1. SHV Share price + Dividends 2. How do you in- crease Earnings Per Share (EPS)? Increase net income 3. Revenues -Sales -Goods or services sold 4. Gross profit -Gross income -Gross earnings -Gross margin 5. Operating in- come 6. Income before taxes (IBT) -Operating profit -Earnings before interest and tax (EBIT) -Income before interest and taxes (IBIT) -Earnings before taxes (EBT) -Profit before taxes (PBT) 7. Net income (NI) -Earnings after taxes (EAT) -Profit after t...

Civil Law Missed Exam Questions And Answers Which is not a specific lien? - ANS-state income tax State income taxes can become general liens that can attach to any property owned by the debtor. A mortgage is specific to the property that will be collateral for a debt. Real estate taxes are specific to one property. A mechanic's lien can attach only to the property that was the subject of the work being done. Fee simple absolute estates are not - ANS-conditional If a condition exis...

Cindy bought a home and closed on a 6.0% rate for 30 years. The loan includes a payment feature that allows Cindy to make a $1,400/month payment for the first five years, and a $1,800/month payment for the remainder of the loan. What type of loan is this? - Variable - ARM - Option ARM - Fixed rate - Answer-Fixed rate. This loan is a fixed-rate loan (at 6% for 30 years). The payment example shows an interest-only feature for the first five years and then a fully-amortized payment for the ...

What is the purpose of discount points? - It increases the yield to lenders How is the payoff of the seller's loan shown on the worksheet? - Debit to seller and credit to buyer What happens to items listed in B2 of the title commitment? - They appear as exceptions unless removed prior to closing Bill Buyer is purchasing Sam Seller's home and assuming the existing loan. The interest on the loan is $1200 paid in arrears. The closing is March 1, 2009. How is the interest shown on the Worksheet...

Bloomberg Concept Questions and Answers Already Passed A rise in which of the following inputs will increase an absolute valuation? Earnings estimates A rise in which of the following measures would typically send a government bond price up? Creditworthiness A wedding planning company has a high fixed-cost base and a lot of debt. Who would you rather be? A shareholder in a booming economy. As a general rule, what percentage of debt to GDP will make a government's bond yields s...

Each discount point paid to the lender will increase the lender's yield (return) by approximately 1/8 of 1 percent. TRUE. Florida statute requires that the mortgagee send the recorded satisfaction to the mortgagor within 60 days. State-chartered commercial banks must display the word "National" somewhere in their name. FALSE. Commercial banks chartered by the federal government must display the word "National" or the initials "N.A." somewhere in their name. Deposit account...

Each discount point paid to the lender will increase the lender's yield (return) by approximately 1/8 of 1 percent. TRUE. Florida statute requires that the mortgagee send the recorded satisfaction to the mortgagor within 60 days. State-chartered commercial banks must display the word "National" somewhere in their name. FALSE. Commercial banks chartered by the federal government must display the word "National" or the initials "N.A." somewhere in their name. Deposit account...

Recourses of foreclosure - borrower can come back through - equity of redemption -statutory The possibility that the actual outcome will vary from what was expected when the asset was purchased. - Risk fixed amount of money paid or received at the end of every period - Ordinary annuity future cash inflow or outflow occurring only once - lump sum payment What are the four time Value of money operations - Compounding Operations 1. Future value of a lump sum 2. Future value of an annuity ...

Texas Principles of Real Estate 2 Exam| Complete Guide with Questions and Verified Answers| Already Grade A| 2023/ 2024 New Updated QUESTION What does a buyer receive until the debt is fully paid in case of installment land sales contract? Answer: Equitable title QUESTION What type of loan is considered an expandable one? Answer: Open-end QUESTION When a buyer borrows from the seller in addition to the lender, this is known as what? Answer: Purcha...