Amayeri Yambere yo Gukoresha DSCR-Yujuje ibyangombwa CES Inguzanyo Kubushoramari Bunini

Ku bashoramari bafite uburambe mu mutungo utimukanwa, Inguzanyo Zifunze-Iherezo rya kabiri (CES) Inguzanyo zujuje ibisabwa binyuze mu myenda ya serivisi yo kwishyura (DSCR) nigikoresho cyibikorwa byo gupima imitungo itari nyirayo. Iyi mitungo yinjiza ishingiye ku nguzanyo ikoresha amafaranga yo gukodesha amafaranga, ukarenga sheki yinjiza ku giti cye yo kuguriza. Reka twibire mumayeri yateye imbere kugirango dukoreshe inguzanyo za CES kugirango tuzamure portfolio.

Inguzanyo ya CES ni inguzanyo ya kabiri yagenwe yagenewe inguzanyo idafite nyirayo, ifite impamyabumenyi ishingiye kuri DSCR. Igipimo cya serivisi yimyenda igereranya amafaranga yubukode bwumutungo nideni ryayo, harimo ubwishyu bwa mbere nubwa kabiri. DSCR ya 1.25 yerekana ko amafaranga agenda neza, abashoramari bujuje ibisabwa kugirango Inguzanyo ya kabiri ifunze-Impera ya kabiri nta kugenzura amafaranga yinjira. Ubu buryo bwo kuguriza bushingiye kumafaranga butuma abashoramari bibanda kumikorere yumutungo, ntabwo ari imari yumuntu ku giti cye.

Amayeri amwe ni ugukoresha piggyback ok imiterere kugirango yongere imbaraga. Guhuza inguzanyo ya CES hamwe ninguzanyo yambere irashobora gutera inkunga igera kuri 85% yumutungo, bikagabanya ibiciro byimbere. Kubukode bwamadorari 600.000, inguzanyo ya mbere $ 450,000 hamwe ninguzanyo ya 90.000 $ Close-End ya kabiri y'inguzanyo isigara $ 60.000 gusa, ikarekura igishoro kumasezerano menshi. Iyindi ngamba ni inkunga yo kuvugurura hamwe ninguzanyo za CES kugirango zongere ubukode, kuzamura DSCR yo gutera inkunga ejo hazaza.

Amahanga aboneka mumahanga arakinguye imiryango kubashoramari kwisi. Umunyamahanga ashobora gukoresha inguzanyo ya CES kugirango atere inkunga imitungo myinshi yo muri Amerika ifite DSCR ya 1.4, yishingikirije gusa kumafaranga yubukode. Ubu nta buryo bwo kugenzura ibyinjira byorohereza ishoramari ryambukiranya imipaka, kuko abatanga inguzanyo bashyira imbere inguzanyo zishingiye ku mutungo kuruta ibimenyetso byinjira mu karere.

Abashoramari bateye imbere barashobora kandi gukoresha inguzanyo ya CES mugutanga amafaranga. Mugukoresha uburinganire mubukode bukora neza, Inguzanyo ya kabiri Ifunze-Impera ya kabiri irashobora gutera inkunga ibyaguzwe bishya bitabangamiye inguzanyo yambere yambere. Kurugero, inguzanyo ya CES 200.000 $ kumitungo itajegajega irashobora gutera inkunga ubukode bwa kabiri, byongerera abadafite nyirubwite inguzanyo.

Ingaruka zirimo igipimo cyinguzanyo cya CES kiri hejuru hamwe na DSCR ishobora kugabanuka kubusa, abashoramari rero bagomba kwibanda kumasoko akodeshwa cyane. Abatanga inguzanyo barashobora kandi kwishyura umubare w'inguzanyo (urugero, $ 500,000) cyangwa CLTV kuri 75%. Biracyaza, hamwe na piggyback ok guhinduka hamwe namahanga yaboneka kuboneka, DSCR yujuje ibyangombwa Ifunga-Impera ya kabiri Inguzanyo nimbaraga zo gupima binyuze mumafaranga yatanzwe.