Imali-mboleko ye-DSCR vs. Iimali-mboleko zeSintu: Yeyiphi eyona ilungileyo?

Xa kufikwa kwinkxaso-maliImali-mboleko yePropati yoTyalo-mali, ukhetho phakathi kwe-mortgage yemveli kunye aI-DSCRmbolekounokwenza okanye ukwaphule isicwangciso sakho. Kwi-AAA Capital Investment, Inc., yethuInkulumbuso yeDSCRkwayeI-DSCRiimveliso zinika enye indlela enyanzelisayo, egxininisaakukho zimbuyekezo zerhafu, ingeniso yepropathi, kunye nemigaqo elungele abatyali-zimali. Makhe sihlolisise indlela ezi zintoIimali-mboleko zeDSCRqokelela ngokuchasene nokhetho oluqhelekileyo kwaye kutheni belukhetho oluphezulu lwabatyali bezindlu ngo-2025.

Imali yokubambisa ngokwemveli ixhomekeke kakhulu kumvuzo wakho, ifuna imbuyekezo yerhafu, intlawulo yemali, kunye nokuntywila nzulu kwimbali yakho yezemali. Kubatyali-mali abanengeniso engaqhelekanga—njengabaqeshisi abaziqeshileyo—oku kunokuba yi-dealbreaker. Ngokwahlukileyo koko, aImali mboleko yeDSCRukusuka AAA Capital Investment, Inc. kuphelisa imfunekoiimbuyekezo zerhafu. YethuInkulumbuso yeDSCRinkqubo, eyenzelwe abemi US kunye LLCs ubuncinane 12 iinyanga amava ulawulo lwepropati, ivavanya iTyala Service Coverage Ratio endaweni. Ipropati eyenza i-$5,000 ekurenteni ngokuchasene ne-$4,000 yentlawulo yokubambisa ifaneleka ngokulula, akukho W-2s efunekayo.

Oku kugxilwa kwenzaIimali-mboleko zeDSCRifanelekile njengemboleko yepropathi yotyalo-mali. Thatha iI-DSCRimveliso: inikezela ngenkxaso-mali yee-condos ezingenakuqinisekiswa kunye neepropati zeyunithi ye-2-4, kunye ne-cash-out refinances ukuya kwi-75% LTV ye-ratios engaphezulu kwe-1.0. Ababolekisi bemveli bahlala beziphepha ezi ntlobo zepropathi okanye ii-LTVs ezisezantsi. Umxhasi kutshanje usebenzise yethuImali mboleko yeDSCRukuhlaziya i-condo engaqinisekanga e-Nevada, ukukhupha i-$ 400,000 ngaphandle kokungenisa iimbuyekezo zerhafu. Inkqubo? Uvavanyo olunye (ngemali-mboleko engaphantsi kwezigidi ezi-2 zeerandi) kunye nesiteyitimenti sebhanki senyanga enye.

Thelekisa oko kunye nemali mboleko eqhelekileyo, apho ixesha lezehlo zetyala elifana nokungabikho kwemali kunolulela kwiminyaka esi-7. YethuI-DSCRinkqubo mfutshane oku ukuya kwiinyanga ezingama-36, kwayeInkulumbuso yeDSCRukuba 24 iinyanga, ukufumana umva umdlalo ngokukhawuleza. Oovimba yenye impumelelo: ngelixa iimali zokubambisa zemveli zinokufuna iinyanga ezi-6-12 ngaphambili, zethuIimali-mboleko zeDSCRvumela iimali eziphumayo ukwanelisa oku, ukunyusa izinga lokuhlawula amatyala ukwenzela olandelayo wakhomboleko yepropathi yotyalo-mali.

Idatha ibuyisela utshintsho. NgokweCoreLogic, ukuthengwa kwepropathi yotyalo-mali kunyuke nge-14% ngo-2024, eqhutywa yimfuno yokurenta.Iimali-mboleko zeDSCRdibana nale ngxaki, unikezela ngemibandela efana naleakukho zimbuyekezo zerhafukunye nokhetho lwabemi bangaphandle (ukuya kuthi ga kwi-65% LTV phantsiI-DSCR). Nokuba unyusa ipotfoliyo okanye unikezela ngezimali ngokutsha ukuze uhlaziye, i-AAA Capital Investment, Inc. inikezela ngenkxaso-mali ababolekisi bamandulo abangenako ukuhambelana nayo. Ngaba ukulungele ukurhoxa kwimbuyekezo yerhafu? Qhagamshelana nathi ukuze ubone indlela aImali mboleko yeDSCRinganika amandla utyalo-mali lwakho.