Generally speaking, a loan - to -
value ratio above 80 % requires PMI.
Generally speaking, a loan - to -
value ratio above 80 % requires PMI.
Generally speaking, a loan - to -
value ratio above 80 % requires PMI.
Additionally, conventional (non-FHA) mortgage products with a loan - to -
value ratio above 80 % usually require private mortgage insurance, or PMI.
Typical HARP loans had loan - to -
value ratios above 90 percent, indicating that lenders are reaching out to underwater borrowers.»
Not exact matches
The deal price range continues to be locked on an exchange
ratio that gives no further premium
above Sprint's current
value, sources said.
The only reason these capitalization
ratios are sustainable is if there is a lot of home
value appreciation expectation, appreciation
above and beyond inflation that is.
If the
ratio is near or
above a
value of 4 then I investigate.
PMI is generally required when the loan - to -
value (LTV)
ratio rises
above 80 %.
A PMI policy is generally required whenever the loan - to -
value (LTV)
ratio rises
above 80 %.
But if your loan - to -
value (LTV)
ratio rises
above 80 %, you might be required to have mortgage insurance.
As a result, Income
Value portfolios typically exhibit
above average current income and low PE
ratios.
While the current price / peak - earnings multiple is already at an elevated level
above 18, what I'll call the «P / E equivalent» multiples on other fundamentals are: 21 on the basis of book
values, nearly 23 on the basis of enterprise
value / EBITDA (which factors in the increasing share of debt on corporate balance sheets), over 25 on the basis of revenues, and 29 on the basis of dividends (largely because dividend payout
ratios remain relatively low even on the basis of normalized earnings).
When the loan - to -
value ratio rises
above 80 %, PMI is usually required.
If you like this metric, and insist on valuation based on sales, a more appropriate
ratio would be the enterprise
value to sales, as it accounts for debt in the capital structure, as Dan mentioned
above.
At the end of the day anyone who has attended the workshop takes back home a full fledged knowledge of important concepts like asset allocation, calculation of intrinsic
value, important
ratios to focus upon while doing fundamental analysis, usage of excel sheet, and
above all how to put together a checklist to do smart and intelligent investing.
One method I use is to take a look at the price - to - earnings
ratio (P / E
ratio), which tells you if the stock is trading
above or below its
value.
We seek to invest in companies that generally reflect the following
value characteristics: price / earnings and price / book
ratios at, or below, the market and a dividend yield at, or
above, the market.
It's just an industry requirement in cases where the loan - to -
value (LTV)
ratio rises
above 80 %.
The loan to
value ratio depends on upon the size of the down payment (which we already addressed
above).
On the
above chart, the orange line represents fair
value as computed using a Price / Earnings
ratio of 15 (as shown in the orange box to the right).
The amount of the FHASecure mortgage may not exceed either the geographical maximum mortgage limits or the loan to
value ratios shown
above.
Before, a second appraisal was only required if the home was located in a declining market, the loan was
above $ 417,000, and exceeded a 95 percent loan to
value ratio.
Loans
above 80 % Loan - To -
Value ratio may require mortgage insurance.
The equity market is well
above where long - term valuation measures like the Q -
ratio, and CAPE10 would
value it.
Stocks are sold not when they exceed the initial price - to - book cutoff, but when their price - to - book -
value ratios go three times
above the initial criterion.
Most of our investments have characteristics that have been associated empirically with
above - average investment rates of return over long measurement periods: a low stock price in relation to book
value, a low price - to - earnings
ratio, a low price - to - cash - flow
ratio, an
above - average dividend yield, a low price - to - sales
ratio compared to other companies in the same industry, a significant pattern of purchases by insiders, a significant decline in share price.
The two microcap stocks (DIT & FRD) that passed the Graham Enterprising screen have current price - to - book -
value ratios just
above the current cut off (p / book of 0.8) for a new stock to be added to the Shadow Stock Portfolio.
But if your loan - to -
value (LTV)
ratio rises
above 80 %, you might be required to have mortgage insurance.
Due to accounting conventions on treatment of certain costs, the market
value of equity is typically higher than the book
value of a company, producing a P / B
ratio above 1.
To nab it, you'll need a high credit score (750 or
above) and a low loan - to -
value ratio, which essentially means you're making a sizable down payment of at least 40 % of the home's price, says Richard Redmond, a mortgage broker at All California Mortgage in Larkspur and author of «Mortgages: The Insider's Guide.»
This program will continue to be available to borrowers with loans sold to the Fannie Mae or Freddie Mac on or before May 31, 2009 with current loan - to -
value (LTV)
ratios above 80 percent.
In other words, if the loan - to -
value (LTV)
ratio rises
above 80 %, it triggers the insurance requirement.
Tobias Carlisle, in Deep
Value (affiliate link) provides evidence that this may be the best Return On Total Assets
Ratio to single out stocks that can provide
above average rates of return.
The rate featured is based on a loan - to -
value ratio up to 80 % for loans of $ 50,000 and
above, a maximum loan to
value of up to 80 %, terms between 121 - 180 months, and ESL listed as the first lien holder on the property.
Rates
above are available for loan amounts over $ 2,000 and are subject to meeting certain underwriting criteria, such as owner occupancy and loan - to -
value ratio.
A study of 888 campaigns mounted by activist hedge funds between 2001 and 2005 finds that the typical target companies are small to mid cap companies, have
above average market liquidity, trade at low price to book
value ratios, are profitable with solid cash flows and pay their CEOs more than other companies in their peer group.
While Alt - A borrowers typically have credit scores of at least 700 — well
above the cutoff for subprime loans — these loans tend to allow relatively low down payments, higher loan - to -
value ratios and more flexibility when it comes to the borrower's debt - to - income
ratio.
Athanassakos, in a 2011 Journal of Investing paper, in the first direct study of
value investors, examined whether
value investors add
value over and
above a simple rule that dictates they invest only in stocks with low price - to - earnings (P / E) and low price - to - book (P / B)
ratios.
The author, using Canadian data, found that
value investors do add
value, in the sense that their process of selecting truly undervalued stocks produced significantly positive excess returns over and
above the naive approach of simply selecting stocks with low P / E and low P / B
ratios.
So in the
above scenario, the 89K Ultimate Reward points versus the 25K Avios miles: these units have a 1:1
value ratio?
And more importantly, during periods of time when the market is
valuing the company
above this valuation reference we should see the price move back into alignment, and when the market is undervaluing the company it should also eventually move back into alignment with the P / E
ratio of 15.
EXAMPLE: a $ 2,000,000 loan with a loan - to -
value ratio of 75 % and an applicant FICO score of 720 or
above, for a purchase transaction of an owner - occupied, one - unit, single family residence in California.
To simulate the small -
value factor in the international markets, we construct the
value portfolio from small - cap stocks
above the 70th percentile in their respective region (Japan, United Kingdom, and Europe ex UK) by book - to - market
ratio, and the growth portfolio from small - cap stocks below the 30th percentile in their respective region.
You can see how DFA has over weighted these
value stocks by the low price to book
ratio compared to the «total market»
above.
This typically means having a credit score of 620 or
above, a debt - to - income
ratio of 50 % or less (i.e. the sum of all your debt payments, including housing, divided by your gross monthly income), and a loan - to -
value ratio on your home of 80 % or less after the cash out refinance is complete.
If your credit score is 680 or
above and your loan - to -
value ratio is 60 % or less, you can avoid the surcharge.
That same study
above also finds a long term outperformance by «
value» stocks, which is based on the company's low price to book
ratio (P / B), or as Fama and French refer to it, a high book to market
ratio (BtM).
For example, see the table below «Closed End Fund X.» An
above normal expense
ratio (4 % rather than 1.5 %) is capitalized as a liability and the present
value of the excess is deducted from Closed End Fund X's NAV.
It's important to note that most FHA borrowers start with a loan - to -
value (LTV)
ratio above 90 %.