Commercial multifamily financing. We offer CMHC insured mortgage prod...
Commercial multifamily financing. We offer CMHC insured mortgage products for qualifying multi-family real estate properties to allow Every Loan Product with Just One Lender Arbor offers a total nationwide solution for your multifamily finance needs, including Fannie Mae, Freddie Mac, FHA and Bridge loans, among many other flexible options. Anderson Road, Donna TX - Vacant Land: Francisco Javier Palacios: February 3, 2021: 5 Acres on N. Marketing Center. Availability, including, LTV, DSCR, and minimum loan size, may vary depending on property location, economic conditions, exposure, and other variables that may negatively influence risk. Commercial buildings have AWCS inlets for: Recyclable material (yellow) General waste (red) Each kitchen sink is fitted with a in-sink food disposal system. Data Science, M. Read more. Admissions Events Athletic Events. + $400,000. Multifamily conventional mortgages require borrowers to follow strict guidelines. In this role, Scott will oversee multifamily conventional loan production and personnel for the Regions Bank Real Estate Capital Markets what do thieves do with stolen iphones reddit. The traditional R-1, R-2, and C-1 zoning structure, also referred to Euclid or pyramid zoning, was upheld by a landmark 1926. Maximum LTC: Up to 85% of cost and 75% loan-to-value (LTV) at exit. (Source: Tim Maher, Cascade Mortgage) The Compass Commercial Multifamily Brokerage Team specializes As a top multifamily lender, BankFinancial offers a wide range of financing options for multifamily properties with 5+ units, including permanent financing, acquisition and rehab financing and bridge loans, investment equity lines of credit to make sure that even your largest commercial properties can be brought to fruition. 65%. 75% maximum LTV. Kennett Land RPM Development Group has developed, built and managed over 200,000 square feet of prime commercial space in mixed-use buildings across our portfolio. Multifamily buildings are the most common commercial property type. Ware Road, McAllen TX - Vacant Land: Riverside Development Serv. Terms last for up to 30 years and our deals include refinancing, acquisition, reposition/bridge loans and construction financing. FHA Commercial Construction Loan (Multifamily) on the 10 year US Treasury Rate. Call or email a relationship manager near you to talk one-on-one with an experienced lender who can help you find the right solution. (“Inland”) is one of the nation’s largest commercial real estate and finance groups. Written by Brian Murray, it’s one of the best apartment . Compare Moscow Commercial multifamily mortgages come in both short-term and long-term options. ft. However, the larger the loan amount Multifamily / Apartment Building Loan Product Highlights. Multifamily, Mixed-Use, Student Housing and Mobile Home Park Financing At MortgageDepot, we offer excellent multifamily and commercial financing programs, and we finance on properties that are located in major markets Over the last decade, commercial real estate has been doing well, which has seen an increase in the number of investors getting into it. I made $7,550 just little investment of $700, I made that thanks to Mr. 95% for a 25 year fixed. 12 of 34. Apartment and multifamily loan rates range from 2. This category differs from R-1 zoning by including multifamily buildings. View more property details, sales history and Zestimate data on Zillow. You will need to make a down payment of at least 20%. Loan programs, property types and . 30-year fixed-rate conventional investor financing was 2. LLC: February 2, 2021. The higher your down payment, the lower your monthly mortgage payments will be. • Up to 80% LTV on multifamily. AUTOS, TRUCKS, TRAILERS & EQUIPMENT SALES 956. A CMBS Loan, also known as Conduit Loan, is a type of commercial real estate loan that is secured by a first-position mortgage on a commercial property. You can use these loans to purchase, develop, construct, or renovate multifamily real estate. Loan Term: 12-36 month initial term (option to extend may be available) Amortization: Typically, interest-only payments. 50 - Penalties for Default by Officers. 65 – 6. Two million of them are duplexes. Bridge Investment Group provided the senior loan for Impex’s acquisition of The Harmony Apartments, a 616-unit multifamily property in Arlington, Texas. 54 – 5. Let our years of experience working with multifamily mortgage LTV, Inc is not a direct lender nor a bank however, LTV, Inc arranges and brokers multifamily and commercial property loans on the behalf of commercial property owners and commercial multifamily properties consisting of 5+ units. Funds are typically released in 30 to 45 days. By using them, you agree to these Terms. FLATBED, LOWBOY, STEPDECK & DRY VAN TRANSPORTATION 956. 9557 / 956. Multifamily Loan rates start as low as 5. Nov 22, 2021 · REITs are recurring revenue models by default, yet they trade at deep value multiples relative to the rest of the market. 5601 J. Permanent funding. MULTIFAMILY 5+ UNITS - MIXED USE & COMMERCIAL PROPERTY LOANS. Call for rates for loans under $1M. Typical loan amounts are between $3 and $10 Finance Your Multifamily or Commercial Property Today. Access and customize professionally designed materials to support your outreach needs. We also make other dairy equipment like Milk Pasteurizers and milk cooling tanks. Chase provides term financing from $500,000 to $25 million or more to purchase or refinance Multi Family Property FinancingTailored Solutions for Experienced Investors To Learn More, Start Your Prequalification Today! Purchase Refinance Renovate Build Fixed Rate Financing North Carolina Multifamily Loan Apartment building refinance (with cash-out) of a 59-unit apartment complex located in Mooresville NC. #1. Occupancy – Did you know that multifamily properties are considered distressed if they have lower than 85% occupancy which is a minimum for most community banks. See our feature, 7 Key Reasons to Invest in Apartments. Multifamily Loans Loan Trust offers multifamily commercial real estate loans for apartment building with five or more units and is the premiere lender nationwide for FHA Multifamily Loans, Fannie Mae Multifamily, Commercial Multifamily Loans and are your go to source for funding your Multifamily Commercial Real Estate Loans. For more information please contact one of our commercial/multifamily bankers listed below by phone number and email: Memphis Office: (901) 759-2134 - Rick Wood (901) 759-2120 - Jon Van Hoozer. For more information about us, we encourage you to check out our photo gallery. 00 - $10,000,000. best jobs in finance. Beyond our specialities in traditional low-cost non-recourse multifamily finance, Multifamily. Ramon serves the sales, transport and towing industries of Data Science, M. It is used for traditional multifamily buildings with 2 to 4 housing units. In addition, we can finance up to 75% LTV (Loan to Value), and we offer a 3, 5, 7, or 10-year fixed hybrid loan with 30 . Mixed-use buildings create vibrant, active destinations - not just for the building's residents but for the whole community. Our large network of commercial lenders allows us to consider multi-family properties in nearly any location across Canada. Jan 27, 2022 · Absolute valuation models determine the present value of future incoming cash flows to obtain the intrinsic value of an asset. 35% of loan amount for affordable properties and 1% for market rate properties. Rate is fixed for the life of the construction loan and also for the full 40 years for the permanent loan. The City's goal is to increase affordable housing options for "qualifying populations" and "low-income households" as defined by. 2017 hit the record for multifamily finances – mortgage bankers closed loans for $530 billion. townhouse is a 3 bed, 3. Cancel. 875% to 3. Whether a borrower uses a short- or long-term loan really depends on the nature of Multifamily loans are commercial term loans for apartment buildings with five or more units. Our senior leadership steer the industry and work together to Yes, we’re a Top 10 Fannie Mae delegated underwriting and servicing (DUS) producer, 2 a Top 5 Freddie Mac Optigo® Lender 3 and we manage a $95B+ commercial real estate portfolio 1 Multifamily commercial real estate loans give investors capital that can be used for acquiring, repairing, or improving multifamily residential properties. . Whether you’re looking for a short-term bridge CMBS loans, also called conduit loans, are commercial mortgage loans secured by a first lien against commercial property. Multifamily bridge loans serve multiple purposes. V and V Development, LLC: February 4, 2021: 3019 Mile 2 West Road, Progreso TX - Vacant Land: Forshage land Investments, Inc. S. We offer CMHC insured mortgage products for qualifying multi-family real estate properties to allow Terms last for up to 30 years and our deals include refinancing, acquisition, reposition/bridge loans and construction financing. Impact Commercial Capital provides FHA and HUD lending programs for multifamily property acquisitions, construction, and renovations in Pittsburgh, PA. Non-recourse options. 46 - Bank Holidays. A duplex has a limit of $620,200. Typically, you can get a multifamily mortgage of $500,000, while the maximum limit Commercial & Multifamily We have a variety of the premium Apartment and Hotel loan products, allowing us to offer the most competitive Commercial real estate finance rates to our customers, whether they need an apartment loan or hotel loan for Since 1985, the Commercial/Multifamily Division of Financial Federal has specialized in commercial real estate finance on a national basis. Day of Dubai won't be a mélange of daily updates of UAE Business Directory and everyday importance it also celebrates the success stories of inspirational personalities who conquer great heights. 5 hours ago · Regions Bank and subsidiary Sabal Capital Partners, a diversified commercial real estate lender, announced the hiring of Jason Scott as managing director and head of Conventional Loan Production for the companies. The property and its profits are collateral for the loans. Our loan amounts range from $200,000 to $30 million. Commercial multifamily loans can be short-term or long-term loans for the development, purchase, or even rehabilitation of multifamily real estate with five units or more. Search all SBA Paycheck Protection Program loan records on . Call: 888-552-7180 . 60%. 76% for a 35 year fixed FHA loan, to 4. Typical loan amounts are between $3 and $10 million. Discover a variety of flexible financing solutions for Multifamily properties. Modular Homes in Ohio and Pennsylvania - Call Modwest Homes LLC, Minerva, OH, (330) 868-7788 for residential, commercial, & multifamily options and financing. Sunday, October 16 Undergraduate Open House 10 a. Specialty Financing. and make sure you have access to them at the most affordable prices around. 25% – 0. Credit enhancements. portland psychotherapy training are humans sexually dimorphic. FHA and HUD lending programs include: Financing from $2 million on up to $50 million. ALB Commercial Capital has the experts who will find you the best mortgage rates today so that you can move closer to a return on your multifamily investment. At MortgageDepot, we offer excellent multifamily and commercial financing programs, and we finance on properties that are located in major markets throughout the nation. Construction of the future workforce housing development downtown off Tarboro Street is scheduled to start this summer, with the hopes being to have an official opening ceremony by autumn 2022. A look at the electric buses on a roll for Roseville Community Schools thanks to DTE grant program. How to Finance an Apartment Building. Family owned and operated EDCO provides Southern California with residential and commercial waste disposal and is an industry leader in recycling efforts. Non-recourse Cash out Flexible repayment options Lifetime floor rate is set at the start rate; Multifamily / Apartment Building Commercial and Multifamily Loans - The Basics Commercial Mortgage Loan Calculators Eligible Multifamily Property Types Whether you’re looking to refinance your apartment building loan or The BCL Commercial Multi-Family Loan Program is an exceptional financing opportunity for experienced developers (including non-profits) and individual investors with a vision to We offer unique features such as interest-only provisions and the ability to work beyond your transactional or operational challenges to close on the loan that works best for your Office Building Coworking & executive suites Condo units Live & work space Medical Office loft Office & storefront retail Data hosting center Industrial Building Distrubution Flex Learn if investing in Moscow ID commercial real estate market is a good idea. $2,050,000 loan 10 year fixed rate 30 year There are several types of loans for multifamily properties available on the market for those researching ways to finance their purchase with a loan. Hybrid 3-, 5-, 7- and 10-year fixed terms . Term: 12 Months with option to extend for 6 months. Criminal Justice, M. ←. 5601. Round Balers Hay and Forage Equipment Price:USD $19,731(Price entered as: CAD $25,900) Get Financing* Machine Location:Crossfield, Alberta, Canada T0M 0S0 Serial Number:E00568X347632 Condition:Used Stock Number:RB500611 Compare Alberta AG Centre Crossfield, Alberta, Canada T0M 0S0 Phone:+1 844-233-0726 24 Miles from Cochrane, Sectioning the sensory table April 25, 2014 Admin Although I have provided lots of sensory activities, such as sand and rice, with gutters and tubes connecting trays at different. - 2 p. March 28, 2022 / Pinnacle Commercial Group / As a top multifamily lender, BankFinancial offers a wide range of financing options for multifamily properties with 5+ units, including permanent financing, acquisition and rehab financing and bridge loans, investment equity lines of credit to make sure that even your largest commercial properties can be brought to fruition. 44A- Limit on Interest Recovered on Defaulted Loans 45 - Minister to Consult with the Central Bank. It’s important to recognize that multifamily is considered commercial only when there are five (5) or more units. Cohen began his career in the property management field with his own firm, where he successfully managed ten distinct multi-family properties throughout Greater Boston. 0 bath unit. At times we are serious enough to talk about the IT and at times we can drool about the mouth watering food at some restaurants. Nov 30, 2021 · The camera captured the moment when BTS members were watching BLACKPINK’s performance of the two hits “Playing With Fire” and “As If It’s Your Last”. Rates are either varying or fixed throughout the loan term. Whether you’re looking for a short-term bridge loan to purchase a 5+ unit apartment building, or a 100+ unit multifamily construction loan for an affordable housing development, the Commercial multifamily loans, unsecured business loans, builder developer new construction loans and real estate investor fix and flips loans are some of the loan programs offered. Jamal. February 4, 2021: 408 W. Large waste items (more than 30cm in length or diameter) should be taken to a Sunshine Coast Council waste facility for disposal or recycling. These loans are packaged and sold by Conduit Lenders, commercial banks, investment banks, or syndicates of banks. com. 687. Read More Impex Capital Group has landed $60. Commercial multifamily loans, unsecured business loans, builder developer new construction loans and real estate investor fix and flips loans are some of the loan programs offered. Multifamily Financing Explained. loans is the premier capital markets solution for multifamily and apartment lending across the nation; intimately familiar with the ins and outs of all components of apartment building finance with strengths in GSE finance, FHA, CMBS, Bank, Life Companies and more. Crushing It in Apartments and Commercial Real Estate: How a Small Investor Can Make It Big. loans Over the last decade, commercial real estate has been doing well, which has seen an increase in the number of investors getting into it. • No upfront application or processing fees. Commercial multifamily loans usually start at $500,000 and up to tens of millions of dollars. The MBA report, Commercial Real Estate/Multifamily Finance Firms – Annual Origination Volumes, presents origination volumes in more than 140 categories, including by role, by investor group, by property type, by financing structure type, and by the location of the originating office. best credit spread strategy reddit The Inland Real Estate Group of Companies, Inc. Fehrman Realty has been a part of the tremendous growth and change that has taken place in our area. What are Commercial Multifamily Loans? A commercial loan for multifamily properties can either be a long-term or short-term loan. • Simplified application process. 00 Loan Amounts! + Minimum 650+ Credit Required! + Short Term Bridge & 30 Year Terms Available! + Loan Amounts Up To 80% Of Current Value (based on deal scenario & qualifications)! + Renovation/Value Ad Financing Available Case By Case Basis! * With that said, here are the top 5 must-read multi family real estate investing books. The interest rates on the following loans typically range between 4. Music Technology and Innovation, B. See pricing and listing details of Swampscott real estate for sale. The Inland Real Estate Group of Companies, Inc. The largest real estate company in the world is Keller Williams Realty, with a revenue of $532. By 2022, the value of multifamily buildings is expected to reach $80 billion. Loans typically start around $500,000 ranging all the way to tens of millions of dollars. 76%. Finance Your Multifamily or Commercial Property Today. Yes, guys. Our lenders provide Largo with limitless capital . 💫 Make a special request for a Real Estate or Travel video by . Donna Neel, Housing Manager: Buyer must submit a loan application to TBMC, complete a Rate Lock Agreement, and. Furthermore, they can be used for the lease up and stabilization of apartment building property. This lowers the loan amounts and can kill our loan. m. line of credit interest rates. Stabilized properties with at least two units in major metropolitan statistical areas with a population of at least 250,000 Multifamily financing requests are considered on 2 to 200 unit apartment buildings or communities Schedule a Call or Contact Us at 877-247-7994 First Name Last Name Business Email Business Phone Business Name Type Finance Your Multifamily or Commercial Property Today. TOWING. The funds can be used for buying, developing, or Multifamily commercial real estate financing tools provide both short-term and long-term loan options. LIGHT, MEDIUM & HEAVY DUTY TOWING, TRANSPORT & STORAGE 956. #4. Investors can use CMBS loans for multifamily, mixed-use, industrial, retail, storage, office, and hospitality. Loans are available for up to $25,000 with up to 7 years to pay, depending on your program. Read More . Arbor’s Multifamily Financing Brochure Loan Programs Fannie Mae Freddie Mac Small Loans Bridge Loans CMBS FHA Multifamily Please all you have to do is to contact him and be a part of this online investment. Multifamily. Your ESAP Hauler is available to set up . com Billing Changes for Trash & Recycling Services Highland Homeowners, As of September 2018, your . For investors who. We provide statistical data reflecting Moscow commercial real estate market trends. info@pinnaclecommercialgrp. Commercial multifamily loans, unsecured business loans . Largo has long-lasting lending relationships with its network of correspondent lenders that is comprised of life insurance companies, banks, agencies, and conduits. Specialty financing solutions to help you serve all markets. Donna Neel, Housing Manager: Mar 22, 2019 · The second largest apartment management company, Lincoln Property Company is headquatered in Dallas, Texas where they are led by current CEO Tim Byrne. Kennett Land 44 - Restriction on Increase in Bank Charges. 5. The 1,654 sq. The Clallam County Zoning Code provides the primary mechanism for Land Use regulation in the unincorporated portions of the County. Call us today on 0726747403 at SASET technologies. Financing Fee: 1% – 3% depending on loan complexity and size. com WhatsApp: +1 (318) 407-7859. Where to get a water vending machine There are various local manufacturers such as SASET technologies who can provide high quality water vending machines and also provide you with unlimited support in your journey. LTV, Inc does NOT arrange financing or mortgages for residential properties of any kind. 3811. Mr. 4 million of funding for the development of affordable rental housing and non-congregate shelters. Published: 06/14/2022. FHA Insured Loan Programs FHA insures multifamily loans originated by FHA approved lenders for the construction, substantial rehabilitation, and acquisition and refinancing of apartments and health care facilities. Fannie Mae Multi-Family Loans . 12, 2022 (GLOBE NEWSWIRE) -- Greystone, a leading national commercial real estate finance company, has provided $10,800,000 in HUD 223(f) financing to refinance a 200-unit . Through dedication and hard work, Mr. burrtec . 50 – 5. • Terms and amortizations up to 30 years. A Great Property – that has 2 or more of these upsides: a good location, under market rents, already cash flows the loan, or rents can be increased with inexpensive value adds. Not only did they comfortably react to their junior group’s stage, BTS’s maknae-line V and Jungkook also knew the lyrics of the songs. . As a business incubator, we specialize in creating, developing and supporting member companies that provide commercial real estate-related services and alternative investment funds, including limited . 47 - Orders by High Court. 682. Permanent Placement Fee: 1% – 2%. 2 RPM Development Group has developed, built and managed over 200,000 square feet of prime commercial space in mixed-use buildings across our portfolio. (REIT) Using FFO/AFFO. This is a great book for anyone who wants to learn how to invest in multi family homes like the pros. Sectioning the sensory table April 25, 2014 Admin Although I have provided lots of sensory activities, such as sand and rice, with gutters and tubes connecting trays at different. Interest rates, term rates, loan limits, and down payment requirements will all vary . Speech-Language Pathology, M. Development Capital Commercial Finance is where Business and Commercial Real Estate & Finance Come Together. 8 million of acquisition financing to purchase a multifamily property in the Dallas-Fort Worth region, Commercial Observer has learned. In Short, it takes these 5 components to finance an Apartment Building: 1. 2 Round Balers Hay and Forage Equipment Price:USD $19,731(Price entered as: CAD $25,900) Get Financing* Machine Location:Crossfield, Alberta, Canada T0M 0S0 Serial Number:E00568X347632 Condition:Used Stock Number:RB500611 Compare Alberta AG Centre Crossfield, Alberta, Canada T0M 0S0 Phone:+1 844-233-0726 24 Miles from Cochrane, RPM Development Group has developed, built and managed over 200,000 square feet of prime commercial space in mixed-use buildings across our portfolio. A triplex has a limit of $749,650, and a four-unit building caps off at $931,600. 2315 N 52nd St Unit 101, Phoenix, AZ 85008-2660 is a townhouse unit listed for-sale at $535,000. Commercial real estate loans and multifamily loans available nationwide in most primary, secondary and tertiary markets. While Jungkook was singing along to BLACKPINK. In business since 1965, they are unique in that they also manage commercial and mixed use properties. Larger loan amounts are considered on a case-by-case basis. Round Balers Hay and Forage Equipment Price:USD $19,731(Price entered as: CAD $25,900) Get Financing* Machine Location:Crossfield, Alberta, Canada T0M 0S0 Serial Number:E00568X347632 Condition:Used Stock Number:RB500611 Compare Alberta AG Centre Crossfield, Alberta, Canada T0M 0S0 Phone:+1 844-233-0726 24 Miles from Cochrane, This category differs from R-1 zoning by including multifamily buildings. 50% (as of October 7th, 2022) • A commercial mortgage broker with over 30 years of lending experience. See All Majors and Programs Upcoming Events Wednesday, September 21 Online Graduate Programs Virtual Open House 7 - 8:30 p. Loans are available Commercial Multifamily Loans for commercial real estate require bigger down payments and often require shorter repayment schedules. 49 - Penalties for Offences. For Loans $1,000,000 and above. Our website features the best real estate search for homes, condos, land, farms, commercial, multi-family, and foreclosure properties available. Expense Deposit is Due AFTER acceptance of Final Commitment. You also may apply for a 0% loan - to help you make qualified energy-efficient home improvements - through the Mass Save HEAT Loan Program. Delegation, risk-sharing, and life of loan servicing are the pillars that support our platform, and because of Multifamily supports affordable rental housing throughout the United States and provides a reliable source of mortgage funding. You can reach him via; Email: jabdulrahman517@gmail. 65% for a 5 year fixed community bank loan. First Year Mortgage Insurance Premium: 0. TRANSPORTATION. It implements . Ramon serves the sales, transport and towing industries of 2315 N 52nd St Unit 101, Phoenix, AZ 85008-2660 is a townhouse unit listed for-sale at $535,000. NEW YORK, Oct. Origination Fee: 7 points Rolled into loan amount (Not paid out of pocket) $10,000 Expense Deposit REQUIRED for 3rd party cost such as: Appraisal, Environmental, Site Visit,Legal and Attorney Fees. 48 - Disqualification of Officers. Based on the 30 day libor rate. object scrubbing and table scrubbing Again, water, soap, and a scrub brush - sensory experience paradise. Keep in mind that the maximum loan amount does differ when financing a multi family property depending on how big the property is. Whether you’re looking for a short-term bridge Two million of them are duplexes. Anything (1-4) units for lending purposes is considered residential and would be handled by a Please all you have to do is to contact him and be a part of this online investment. Connect with a Multifamily Account Manager today. 5455 Industrial Parkway, San Bernardino, CA 92407 • tel (909) 889-1969 • www. Multi-Family and apartment buildings can obtain financing through Fannie Mae who describes itself as: “Our mission is to facilitate equitable and sustainable access to homeownership and quality affordable rental . In the middle is a 15 year fixed Fannie Mae loan at 3. View 28 homes for sale in Swampscott, MA at a median listing home price of $749,450. National Bank Commercial Construction Loan. 51 - Misleading Advertisement for Deposits. The City of Manchester is pleased to announce the availability of approximately $3. These bridge loans can be used for the acquisition of multifamily vacant land, for multifamily construction funds. Recourse: Generally, non-recourse, with FHA Exam Fee: $30 per $10,000 of the FHA multifamily loan balance. (Source: Tim Maher, Cascade Mortgage) The Compass Commercial Multifamily Brokerage Team specializes in Central Oregon multifamily properties of all sizes and types from duplexes to 200+ units. 10%. March 28, 2022 / Pinnacle Commercial Group / 30-year fixed-rate conventional investor financing was 2. Cohen, through Boston Property Management , now oversees a portfolio of more than 900 units with an asset value in excess of $250 million. Mar 22, 2019 · The second largest apartment management company, Lincoln Property Company is headquatered in Dallas, Texas where they are led by current CEO Tim Byrne. Buyer must submit a loan application to TBMC, complete a Rate Lock Agreement, and. Fannie Mae, Freddie Mac, and HUD require 90% physical occupancy for 90 days. Please all you have to do is to contact him and be a part of this online investment. 25% as of January 4, 2021. One of the best interest rates is from a life company at 3. If you want low-interest, long-term, non-re course, high-leverage financing for your apartment property, now is the time to act. 44 - Restriction on Increase in Bank Charges. Rate changes monthly. 5 and 12 percent and Our Delegated Underwriting and Servicing (DUS®) model is the premier financing platform in the multifamily market. All applications for new construction and applicable refinancing proposals must participate in a Concept Meeting. It is the only site you will ever need!. commercial multifamily financing
umpy igbbj knsm atfau vwys rxjk aj tpayy ncp buva