Ukuqonda iiMali-mboleko ze-DSCR: Ukutshintsha umdlalo kubaTyali-mali

I-US real estate market ibonelela ngamathuba amakhulu kubatyali-mali, kunyeDscr Imali-mbolekosziye zavela njengesixhobo esinamandla sokuvulautyalo-maliezinokubakho. Ngokungafaniyo nokubambisa ngokwemveli okuxhomekeke kwingeniso yomntu, aImali mboleko yeDSCR-ifutshane kwi-Debt Service Coverage Ratio loan-igxininisa ukuhamba kwemali eyenziwa yipropati yotyalo-mali. Kwi-AAA Capital Investment, Inc., yethuInkulumbuso yeDSCRkwayeI-DSCRiimveliso zilungiselelwe ukuhlangabezana neemfuno zabatyali-zimali abanolwazi, ezinikezela ngokulula kunye neenkqubo ezilula ezenza ukuxhasa ngezimali iipropati zokurenta kube lula kunangaphambili.

Olunye uphawu olubalaseleyo lwethuIimali-mboleko zeDSCRyiakukho siqinisekiso sengeniso. Ababolekisi-mali bemveli basoloko befuna imbuyekezo yerhafu eninzi kunye nezaphulelo zokuhlawula, nto leyo enokuba ngumqobo kubantu abazisebenzelayo okanye abo banengeniso entsonkothileyo. Nge-AAA Capital Investment, Inc., sivavanya ukufaneleka ngokusekwe kubuchule bepropathi bokwenza ingeniso kune-W-2 yakho yobuqu. Ngokomzekelo, yethuInkulumbuso yeDSCRInkqubo ifuna ubuncinane beenyanga ezili-12 zobunini kunye namava olawulo kwiipropati zokuvelisa ingeniso, ukuqinisekisa ukuba ababoleki ngabatyali-mali abanamava. Okuakukho siqinisekiso sengenisoindlela ilula inkqubo, ikuvumela ukuba ugxile ekukhuliseni ipotfoliyo yakho.

KutheniIimali-mboleko zeDSCR ilungele abatyali-mali? Impendulo ixhomekeke ekubeni bhetyebhetye kwaye bagxile kuyoukuhamba KWEMALI. Ngokutsho kwengxelo ka-2024 yoMbutho weSizwe weeRealtors, iipropathi zotyalo-mali zibalelwa kwi-16% yazo zonke iintengiso zamakhaya kunyaka ophelileyo, kunye nabathengi abaninzi abasebenzisa ingeniso yerenti ukuze bafumane inkxaso-mali. YethuImali mboleko yeDSCRivavanya umlinganiselo wenkonzo yenkonzo yetyala-uthelekisa ingeniso yerenti kunye nentlawulo yokubambisa. Ukwenzela iI-DSCRimveliso, side sinikeze iinketho ezantsi ukuya kumlinganiselo we-0.75 kunye nemiqathango enomdla kuphela, efuna ubuncinci be-700 FICO amanqaku kunye ne-70% LTV. Oku kuthetha ukuba abatyali-mali banokuxhasa ngezimali iipropathi ezinemiqobo ephantsi yokuhamba kwemali, ukwandisa imbuyekezo kumakhaya anosapho olunye, izakhiwo zeyunithi ezi-2-4, okanye ii-warantiable condos.

Kwi-AAA Capital Investment, Inc., siyaqonda ukuba utyalo-mali lwezindlu nomhlaba lumalunga nethuba. YethuInkulumbuso yeDSCRibonelela kubemi base-US, abahlali abasisigxina, kunye namaqumrhu afana ne-LLCs, ngelixaI-DSCRimveliso ivula iingcangoabemi bangaphandle(ukuya kuthi ga kwi-65% ye-LTV yokubuyisela imali). Zombini ezi nkqubo ziyayisusa imfuneko yamaxwebhu anzima afana neembuyekezo zerhafu, endaweni yoko kugxilwe kwisiqinisekiso esenziwe lula. Umzekelo, umxhasi kutshanje uhlawule ipropathi yeeyunithi ezi-4 eTexas usebenzisa yethuImali mboleko yeDSCR. Ngemali ephuma kwi-500,000 yeedola kunye noovimba abahlangatyezwaneyo kusetyenziswa imali efunyenweyo, bayandisa ipotifoliyo yabo-konke ngaphandle kokuqinisekiswa kwengeniso.

Izibonelelo azipheli apho. Abatyalomali banandipha imiqathango yokukhuphisana, njengeenyanga ze-6-12 ze-PITIA zokugcina ngokusekelwe kubungakanani bemali-mboleko, ukuqinisekisa ukuzinza kwemali. Iipropati kufuneka zihlangabezane neendlela ezithile-ezifana namakhaya enziweyo-kodwa ii-condos ezingenawaranti zifanelekile phantsi kweI-DSCRinkqubo, ukwandisa ukhetho lwakho. Nokuba uyahlawulela okanye uyathenga,Iimali-mboleko zeDSCRziilungele abatyali-maliujonge ukukala ngokufanelekileyo.

Kwimarike apho ukuhamba kwemali kuyinkosi, i-AAA Capital Investment, Inc. inikezela ngezisombululo zenkxaso-mali ezibeka phambili ukusebenza kwepropathi kunomvuzo womntu. Ngeakukho siqinisekiso sengenisokunye noyilo olulungiselelwe abatyali-mali, bethuIimali-mboleko zeDSCRkukuxhobisa ukuba uxhakamfule amathuba abanye abanokuthi bawaphose. Ngaba ukulungele ukuthatha utyalo-mali lwakho uluse kwinqanaba elilandelayo? Qhagamshelana nathi namhlanje ukujonga indlela aImali mboleko yeDSCRingakusebenzela.