Uburyo inguzanyo ya CES ikoresha DSCR kugirango itere inkunga ishoramari

Ku bashoramari batimukanwa, Inguzanyo Ifunze-Isegonda ya kabiri (CES) itanga uburyo bwihariye bwo gutera inkunga imitungo itari nyirayo idashingiye kumafaranga yinjiza. Ukoresheje igipimo cya serivisi yimyenda (DSCR) kugirango yujuje ibisabwa, iyi mitungo yinjiza ishingiye kumitungo yibanda kumafaranga akodeshwa, bigatuma biba byiza mugupima inshingano. Reka dushakishe uburyo inguzanyo za CES zikora mugutanga amafaranga ashingiye kumpamvu n'impamvu bahindura umukino.

Inguzanyo ya CES ni inguzanyo yigihembwe cya kabiri itemewe yemerera gukuramo izindi nyungu, akenshi zikoreshwa hamwe ninguzanyo yibanze kubadafite inguzanyo. Bitandukanye ninguzanyo ya kabiri gakondo, ishobora gusaba ibyemezo byumuntu ku giti cye, Inguzanyo ya kabiri ifunze-Impera ya kabiri kumitungo yishoramari ikoresha DSCR kugirango isuzume ibyangombwa. Igipimo cya Coverage Service Igipimo cyerekana umutungo winjiza buri mwaka ukodeshwa ninshingano zumwenda, harimo ubwishyu bwa mbere nubwa kabiri (ibyingenzi, inyungu, imisoro, ubwishingizi, n'amafaranga ya HOA). DSCR ya 1.0 cyangwa irenga yerekana umutungo winjiza ukubiyemo imyenda yawo, hamwe nabaguriza mubisanzwe bahitamo 1.25 kubitsa amafaranga ashingiye kumafaranga.

Ubu nta buryo bwo kugenzura ibyinjira byinjira ni ikintu gikomeye. Abashoramari ntibakeneye W-2s cyangwa imenyekanisha ry'umusoro; Ahubwo, abatanga inguzanyo basuzuma umutungo ukodeshwa, bigatuma inguzanyo ya CES igera kubafite imari igoye. Nabo ni abanyamahanga baboneka, bemerera abashoramari mpuzamahanga kwishora mumitungo itimukanwa yo muri Amerika badafite inyandiko zinjiza. Kurugero, umunyamahanga ashobora kubona inguzanyo ya CES kumitungo ikodeshwa yinjiza $ 4000 buri kwezi hamwe na DSCR ya 1.3, ikarenga imbogamizi zinjiza.

Piggyback ok ibyubaka byongera guhinduka. Inguzanyo ya kabiri ifunze-Irangiza irashobora kwishyura ubwishyu cyangwa kuvugurura, ihujwe ninguzanyo ya mbere kugirango igabanye ibiciro byimbere. Tekereza umushoramari yibasiye $ 500,000 umutungo ukodeshwa: inguzanyo ya mbere ikubiyemo 75% ($ 375,000), naho CES itanga inguzanyo ya 20% isigaye (100.000 $), hasigara 5% gusa. Uru rupIkigegas liquidité yo gushora imari.

Ariko, DSCR ishingiye kuri CES inguzanyo izana na caveats. Igipimo cyinyungu ku nguzanyo ya kabiri akenshi kiri hejuru, kandi igipimo cyinguzanyo-ku gaciro (CLTV) gishobora kugera kuri 75-85%. Imyanya cyangwa ihinduka ry’isoko birashobora kandi kugira ingaruka ku nguzanyo zishingiye ku mutungo, bityo abashoramari bagomba kwemeza ubukode bukomeye. Nubwo bimeze bityo ariko, abadafite nyirubwite bafite inguzanyo nkinguzanyo za CES zitanga amahirwe atagereranywa yo kuzamuka kwa portfolio, cyane cyane ko nta kugenzura kwinjiza umuntu ku giti cye hamwe n’amahanga yo hanze ashobora kuboneka.