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Text File  |  1997-10-13  |  7.2 KB  |  245 lines
  1. ' Edited Form File: D:\Pangaea\Ois2.frm
  2. ' Date Created:    21-Aug-1997 10:16:56
  3. '
  4. ' Fonts
  5. F,1,80,1,0,0,Arial Narrow
  6. F,2,80,0,0,0,Arial Narrow
  7. F,3,100,1,0,0,Arial Narrow
  8. F,4,60,0,0,0,Arial Narrow
  9. F,5,85,0,0,0,Arial Narrow
  10. F,6,50,0,0,0,Arial Narrow
  11. '
  12. P,1,2,OperatIncome
  13. '
  14. ' Open Rectangles
  15. '
  16. ' Filled Rectangles
  17. R,7,71,605,2,1,1,0
  18. R,7,92,605,2,1,1,0
  19. R,7,154,605,1,1,1,0
  20. R,131,212,63,1,1,1,0
  21. R,228,212,24,1,1,1,0
  22. R,298,212,56,1,1,1,0
  23. R,403,212,93,1,1,1,0
  24. R,511,212,93,1,1,1,0
  25. R,131,228,63,1,1,1,0
  26. R,228,228,24,1,1,1,0
  27. R,298,228,56,1,1,1,0
  28. R,403,228,93,1,1,1,0
  29. R,511,228,93,1,1,1,0
  30. R,131,243,63,1,1,1,0
  31. R,228,243,24,1,1,1,0
  32. R,298,243,56,1,1,1,0
  33. R,403,243,93,1,1,1,0
  34. R,511,243,93,1,1,1,0
  35. R,131,258,63,1,1,1,0
  36. R,228,258,24,1,1,1,0
  37. R,298,258,56,1,1,1,0
  38. R,403,258,93,1,1,1,0
  39. R,511,258,93,1,1,1,0
  40. R,131,274,63,1,1,1,0
  41. R,228,274,24,1,1,1,0
  42. R,298,274,56,1,1,1,0
  43. R,403,274,93,1,1,1,0
  44. R,511,274,93,1,1,1,0
  45. R,131,289,63,1,1,1,0
  46. R,228,289,24,1,1,1,0
  47. R,298,289,56,1,1,1,0
  48. R,403,289,93,1,1,1,0
  49. R,511,289,93,1,1,1,0
  50. R,131,305,63,1,1,1,0
  51. R,228,305,24,1,1,1,0
  52. R,298,305,56,1,1,1,0
  53. R,403,305,93,1,1,1,0
  54. R,511,305,93,1,1,1,0
  55. R,131,320,63,1,1,1,0
  56. R,228,320,24,1,1,1,0
  57. R,298,320,56,1,1,1,0
  58. R,403,320,93,1,1,1,0
  59. R,511,320,93,1,1,1,0
  60. R,131,351,63,1,1,1,0
  61. R,228,351,24,1,1,1,0
  62. R,403,351,93,1,1,1,0
  63. R,511,351,93,1,1,1,0
  64. R,85,417,23,1,1,1,0
  65. R,201,417,24,1,1,1,0
  66. R,294,417,24,1,1,1,0
  67. R,403,417,93,1,1,1,0
  68. R,511,417,93,1,1,1,0
  69. R,85,432,23,1,1,1,0
  70. R,201,432,24,1,1,1,0
  71. R,294,432,24,1,1,1,0
  72. R,403,432,93,1,1,1,0
  73. R,511,432,93,1,1,1,0
  74. R,403,463,93,1,1,1,0
  75. R,511,463,93,1,1,1,0
  76. R,7,476,605,2,1,1,0
  77. R,7,497,605,2,1,1,0
  78. R,31,525,116,1,1,1,0
  79. R,178,525,116,1,1,1,0
  80. R,325,525,101,1,1,1,0
  81. R,472,525,117,1,1,1,0
  82. R,31,556,116,1,1,1,0
  83. R,178,556,116,1,1,1,0
  84. R,325,556,101,1,1,1,0
  85. R,7,617,605,1,1,1,0
  86. R,33,659,4,4,1,1,3684408
  87. R,33,706,4,4,1,1,3684408
  88. R,7,756,605,1,1,1,0
  89. R,33,799,4,4,1,1,3684408
  90. R,33,845,4,4,1,1,3684408
  91. R,7,895,605,1,1,1,0
  92. R,7,1019,218,1,1,1,0
  93. R,240,1019,217,1,1,1,0
  94. R,472,1019,140,1,1,1,0
  95. R,7,1034,605,1,1,1,0
  96. R,7,1204,218,1,1,1,0
  97. R,240,1204,217,1,1,1,0
  98. R,472,1204,140,1,1,1,0
  99. R,7,1223,605,2,1,1,0
  100. '
  101. ' Lines
  102. '
  103. ' Images
  104. '
  105. ' Text Strings
  106. T,393,339,2,0,$
  107. T,7,200,2,0,Stoves/Ranges
  108. T,7,215,5,0,Refrigerators
  109. T,7,231,5,0,Dishwashers
  110. T,7,245,2,0,A/C Units
  111. T,7,260,5,0,C. Washer/Dryers
  112. T,7,276,5,0,HW Heaters
  113. T,7,291,5,0,Furnace(s)
  114. T,7,306,5,0,(Other)
  115. T,7,338,5,0,Roof
  116. T,7,158,1,0,Equipment
  117. T,137,158,1,0,Replacement
  118. T,153,174,1,0,Cost
  119. T,108,232,2,0,@ $
  120. T,201,232,2,0,ea. ≈
  121. T,260,232,2,0,Yrs.  X
  122. T,503,232,2,0,$
  123. T,212,158,1,0,Remaining
  124. T,108,216,2,0,@ $
  125. T,201,216,2,0,ea. ≈
  126. T,260,216,2,0,Yrs.  X
  127. T,503,216,2,0,$
  128. T,108,201,2,0,@ $
  129. T,201,201,2,0,ea. ≈
  130. T,260,201,2,0,Yrs.  X
  131. T,503,201,2,0,$
  132. T,108,247,2,0,@ $
  133. T,201,247,2,0,ea. ≈
  134. T,260,247,2,0,Yrs.  X
  135. T,503,247,2,0,$
  136. T,108,263,2,0,@ $
  137. T,201,263,2,0,ea. ≈
  138. T,260,263,2,0,Yrs.  X
  139. T,503,263,2,0,$
  140. T,108,278,2,0,@ $
  141. T,201,278,2,0,ea. ≈
  142. T,260,278,2,0,Yrs.  X
  143. T,503,278,2,0,$
  144. T,108,294,2,0,@ $
  145. T,201,294,2,0,ea. ≈
  146. T,260,294,2,0,Yrs.  X
  147. T,503,294,2,0,$
  148. T,108,309,2,0,@ $
  149. T,201,309,2,0,ea. ≈
  150. T,260,309,2,0,Yrs.  X
  151. T,503,309,2,0,$
  152. T,225,174,1,0,Life
  153. T,108,340,2,0,@ $
  154. T,201,340,2,0,ea. ≈
  155. T,260,340,2,0,Yrs.  X  One Bldg. =
  156. T,422,158,1,0,By Applicant/
  157. T,503,340,2,0,$
  158. T,430,174,1,0,Appraiser
  159. T,544,158,1,0,Lender
  160. T,533,174,1,0,Adjustments
  161. T,7,377,1,0,Carpeting
  162. T,116,405,2,0,Total Sq. Yds. @ $
  163. T,232,405,2,0,Per Sq. Yd. ≈
  164. T,325,405,2,0,Yrs. =
  165. T,116,421,2,0,Total Sq. Yds. @ $
  166. T,232,421,2,0,Per Sq. Yd. ≈
  167. T,325,421,2,0,Yrs. =
  168. T,395,405,2,0,$
  169. T,503,405,2,0,$
  170. T,395,421,2,0,$
  171. T,503,421,2,0,$
  172. T,7,405,2,0,(Units)
  173. T,7,421,2,0,(Public Areas)
  174. T,395,452,2,0,$
  175. T,503,452,2,0,$
  176. T,7,452,1,0,Total Replacement Reserves. (Enter on Pg. 1)
  177. T,15,587,2,0,(Note: Monthly Housing Expense includes principal and interest on the mortgage, hazard insurance premiums, real estate taxes, mortgage
  178. T,7,479,3,0,Operating Income Reconciliation
  179. T,15,513,2,0,$
  180. T,15,544,2,0,$
  181. T,160,513,2,0,û  $
  182. T,159,544,2,0,û  $
  183. T,302,513,2,0, = $
  184. T,302,544,2,0, = $
  185. T,432,513,2,0,≈ 12 = $
  186. T,38,529,2,0,Effective Gross Income
  187. T,186,529,2,0,Total Operating Expenses
  188. T,333,529,2,0,Operating income
  189. T,480,529,2,0,Monthly Operating Income
  190. T,38,560,2,0,Monthly Operating Income
  191. T,186,560,2,0,Monthly Housing Expense
  192. T,341,560,2,0,Net Cash Flow
  193. T,15,598,2,0,insurance premiums, HOA dues, leasehold payments, and subordinate financing payments.)
  194. T,15,633,2,0,Underwriter's instructions for 2-4 Family Owner-Occupied Properties
  195. T,46,656,2,0,If Monthly Operating Income is a positive number, enter as \"Net Rental Income\" in the \"Gross Monthly Income\" section of
  196. T,46,668,2,0,Freddie Mac Form 65/Fannie Mae Form 1003.  If Monthly Operating Income is a negative number, it must be included as a
  197. T,46,679,2,0,liability for qualification purposes.
  198. T,46,703,2,0,The borrower's monthly housing expense-to-income ratio must be calculated by comparing the total Monthly Housing Expense
  199. T,46,714,2,0,for the subject property to the borrower's stable monthly income.
  200. T,15,772,2,0,Underwriter's instructions for 1-4 Family Investment Properties
  201. T,46,795,2,0,If Net Cash Flow is a positive number, enter as \"Net Rental Income\" in the \"Gross Monthly Income\" section of Freddie Mac
  202. T,46,807,2,0,Form 65/Fannie Mae Form 1003.  If Net Cash Flow is a negative number, it must be included as a liability for qualification
  203. T,46,818,2,0,purposes.
  204. T,46,841,2,0,The borrower's monthly housing expense-to-income ratio must be calculated by comparing the total monthly housing expense
  205. T,46,853,2,0,for the borrower's primary residence to the borrower's stable monthly income.
  206. T,15,911,2,0,Appraiser's Comments (Including sources for data and rationale for the projections)
  207. T,15,1023,2,0,Appraiser Name
  208. T,255,1023,2,0,Appraiser Signature
  209. T,488,1023,2,0,Date
  210. T,15,1204,2,0,Underwriter Name
  211. T,255,1204,2,0,Underwriter Signature
  212. T,488,1204,2,0,Date
  213. T,15,1050,2,0,Underwriter's Comments and Rationale for Adjustments
  214. T,7,1227,4,0,Freddie Mac
  215. T,7,1237,4,0,Form 998  Aug 88
  216. T,279,1236,2,0,Page 2 of 2
  217. T,558,1226,4,0,Fannie Mae
  218. T,558,1235,4,0,Form 216  Aug 88
  219. T,7,75,3,0,Replacement Reserve Schedule
  220. T,15,101,2,0,Adequate replacement reserves must be calculated regardless of whether actual reserves are provided for on the owner's operating statements or
  221. T,15,112,2,0,are customary in the local market.  This represents the total average yearly reserves.  Generally, all equipment and components that have a
  222. T,15,124,2,0,remaining life of more than one year -- such as refrigerators, stoves, clothes washers/dryers, trash compactors, furnaces, roofs, and carpeting,
  223. T,15,135,2,0,etc. -- should be expensed on a replacement cost basis.
  224. T,286,359,2,0,Remaining
  225. T,294,375,2,0,Life
  226. T,52,379,2,0, (Wall to Wall)
  227. T,363,201,2,0,Units = $
  228. T,363,216,2,0,Units = $
  229. T,363,232,2,0,Units = $
  230. T,363,247,2,0,Units = $
  231. T,363,263,2,0,Units = $
  232. T,363,309,2,0,Units = $
  233. T,363,294,2,0,Units = $
  234. T,363,278,2,0,Units = $
  235. T,72,200,2,0,. . . . .
  236. T,67,215,2,0,. . . . . .
  237. T,66,231,2,0,. . . . . .
  238. T,54,245,2,0,. . . . . . . .
  239. T,67,277,2,0,. . . . . .
  240. T,85,260,2,0,. . .
  241. T,55,291,2,0,. . . . . . . .
  242. T,49,306,2,0,. . . . . . . . .
  243. T,35,339,2,0,. . . . . . . . . . .
  244. T,229,1229,6,0,Designed by United Systems Software    (800) 969-8727
  245.