Inguzanyo ya DSCR na Inguzanyo gakondo: Niki Cyiza?

Ku bijyanye no gutera inkunga anInguzanyo ku mutungo w'ishoramari, guhitamo hagati yinguzanyo gakondo na aDSCRinguzanyoirashobora gukora cyangwa guhagarika ingamba zawe. Muri AAA Capital Investment, Inc, yacuIntangiriro DSCRnaDSCRibicuruzwa bitanga ubundi buryo bukomeye, bushimangiranta musoro, umutungo winjiza, n'amagambo yorohereza abashoramari. Reka dusuzume uko ibiInguzanyo ya DSCRshyira hamwe muburyo busanzwe n'impamvu ari zo zitoranya abashoramari batimukanwa muri 2025.

Inguzanyo gakondo zishingiye cyane cyane ku nyungu z'umuntu ku giti cye, bisaba kumenyekanisha imisoro, kwishyurwa, no kwibira mu mateka yawe. Kubashoramari bafite amafaranga adasanzwe-nka ba nyirinzu bikorera ku giti cyabo - ibi birashobora kuba umucuruzi. Ibinyuranye, aInguzanyo ya DSCRmuri AAA Capital Investment, Inc. ikuraho ibikeneweimenyekanisha ry'umusoro. IwacuIntangiriro DSCRporogaramu, yagenewe abanyamerika na LLC bafite byibuze amezi 12 yuburambe mu micungire yumutungo, isuzuma igipimo cyurwego rwimyenda. Umutungo winjiza 5,000 $ yubukode ugereranije n’amadolari 4000 yishyuwe yujuje ibyangombwa, nta W-2s ikenewe.

Ibi byibandwahoInguzanyo ya DSCRbyiza nka aninguzanyo y'umutungo w'ishoramari. FataDSCRibicuruzwa: itanga inkunga kumudukingirizo zitemewe kandi imitungo ya 2-4, hamwe nogutanga amafaranga agera kuri 75% LTV kumibare iri hejuru ya 1.0. Abatanga inguzanyo gakondo bakunze kwanga ubwoko bwumutungo cyangwa cap LTVs hepfo. Umukiriya aherutse gukoresha ibyacuInguzanyo ya DSCRgutunganya udukingirizo tutemewe muri Nevada, gukuramo amadorari 400.000 udatanze imenyekanisha ryimisoro. Inzira? Isuzuma rimwe (ku nguzanyo iri munsi ya miliyoni 2 $) hamwe na banki ukwezi kumwe.

Gereranya ibyo ninguzanyo zisanzwe, aho ibihe byigihe cyinguzanyo nko guhomba bishobora kugera kumyaka 7. IwacuDSCRgahunda igabanya ibi kugeza kumezi 36, kandiIntangiriro DSCRkugeza kumezi 24, kugusubiza mumikino byihuse. Ibigega nindi ntsinzi: mugihe inguzanyo gakondo zishobora gusaba amezi 6-12 imbere, yacuInguzanyo ya DSCRemera amafaranga-asohoka kugirango ahaze ibi, byongere ubwishingizi kubutaha bwaweinguzanyo y'umutungo w'ishoramari.

Amakuru asubiza inyuma. Kuri CoreLogic, kugura umutungo wishoramari byazamutseho 14% muri 2024, bitewe nubukode bwubukode.Inguzanyo ya DSCRguhura niyi surge-imitwe, itanga amagambo nkanta musoron'amahitamo kubanyamahanga (kugeza 65% LTV munsiDSCR). Waba uri gupima portfolio cyangwa gutera inkunga kugirango uvugurure, AAA Capital Investment, Inc. itanga inkunga abaterankunga gakondo badashobora guhura. Witeguye guca ikibazo cyo kumenyekanisha imisoro? Twandikire kugirango turebe uko aInguzanyo ya DSCRirashobora guha imbaraga ishoramari ryawe.