Uburyo DSCR Amafaranga Yinguzanyo-Yinguzanyo Yongerera Abashoramari Umutungo utimukanwa

Ishoramari ryimitungo itimukanwa rishobora kuba umushinga wunguka bidasanzwe, ariko kubona inkunga kumitungo yishoramari akenshi bitanga ibibazo bikomeye. Inguzanyo zishingiye ku nguzanyo zisanzwe zisaba kugenzura amafaranga yinjira, amateka yinguzanyo, hamwe n’imisoro - inzitizi abashoramari benshi bahura nazo. InjiraDSCR(Igipimo cya serivisi yo kwishyura imyenda) Inguzanyo zishingiye kumafaranga. Ubu buryo bwo gutera inkunga udushya bwibanda ku musaruro winjizwa n'umutungo ubwawo aho kuba imari bwite y'uwagurijwe, bigatuma uba igisubizo cyiza ku bashoramari bashaka kugwiza amafaranga yabo no koroshya inzira yo kwemeza.

Inguzanyo ishingiye kuri DSCR ni iki?

Inguzanyo ya DSCR ishingiye ku nguzanyo ni ibicuruzwa bitanga inguzanyo isuzuma ubuzima bw’imari y’umutungo w’ishoramari ukurikije amafaranga yinjira aho kuba uwagurijwe ku giti cye cyangwa amanota y'inguzanyo. Ibipimo by'ingenzi bikoreshwa muri ubu bwoko bw'inguzanyo ni igipimo cya serivisi ishinzwe imyenda (DSCR), ni cyo kigereranyo cy'umutungo winjiza umutungo (NOI) n'inshingano zishingiye ku myenda, nko kwishyura buri kwezi inguzanyo.

Kurugero, niba umutungo winjiza $ 4000 mumafaranga yubukode buri kwezi kandi kwishyura inguzanyo ni 3000 $, DSCR yaba 1.33 ($ 4,000 ÷ $ 3000). DSCR ya 1.0 yerekana ko umutungo winjiza amafaranga ahagije kugirango yishyure umwenda, mugihe ikintu cyose kiri hejuru ya 1.0 bivuze ko umutungo utanga amafaranga menshi kurenza ayo asabwa kwishyura.

Inguzanyo ya DSCR ishingiye ku nguzanyo ikoresha iki kigereranyo kugirango hamenyekane niba umutungo ufite imbaraga mu buryo bw’amafaranga kandi ushobora gutera inkunga inguzanyo, bigatuma abashoramari bujuje ibisabwa hashingiwe ku nyungu z’umutungo aho kuba impamyabumenyi y’umuntu ku giti cye.

Kuki Hitamo Inguzanyo ya DSCR?

1. Inzira yoroshye yujuje ibyangombwa: Inguzanyo gakondo akenshi zisaba ibyangombwa byinshi nko kumenyekanisha imisoro, kugenzura amafaranga yinjira, na raporo yinguzanyo. Inguzanyo ya DSCR ikuraho ibyo bisabwa, byoroha kandi byihuse kubashoramari batimukanwa kubona inkunga.

2. Byuzuye kubashoramari batimukanwa: Inguzanyo ya DSCR yagenewe byumwihariko kumitungo yishoramari, bigatuma iba nziza kubantu bagura, gutera inkunga, cyangwa kwagura umutungo wabo utimukanwa. Abashoramari barashobora gukoresha amafaranga ava mumitungo yabo kugirango bemererwe gutera inkunga, kabone niyo baba badafite inkomoko gakondo.

3. Nta kugenzura kwinjiza umuntu ku giti cye: Kubera ko intego yibanze ku musaruro w’umutungo, inguzanyo ya DSCR ntisaba imenyekanisha ry’imisoro ku giti cye cyangwa ibyangombwa byinjira. Ibi ni byiza cyane kubwa-akaziabantu ku giti cyabo cyangwa abashoramari bafite amafaranga adasanzwe.

4. Amafaranga yinjira yibanze: Hamwe ninguzanyo ya DSCR, ubushobozi bwumutungo kubyara amafaranga meza bifata umwanya wambere. Ibi bivuze ko abashoramari bashobora kwibanda kumitungo ibeshaho amafaranga kandi ikagenda neza, nta guhangayikishwa no kuzuza ibisabwa byumutungo bwite.

5. Kwemeza Byihuse hamwe nuburyo bunoze: Kuberako inguzanyo ya DSCR ishingiye kumikorere yumutungo, inzira yo kwemererwa irihuta kandi ntago itoroshye. Abashoramari barashobora kubona amafaranga byihuse, bibafasha gukoresha amahirwe yo gushora igihe.

Nigute inguzanyo ya DSCR yunguka abaguzi kumitungo ishoramari?

Inguzanyo ya DSCR ishingiye ku nguzanyo itanga inyungu nyinshi zingenzi zituma iba amahitamo ashimishije kubashaka gushora imari mumitungo itimukanwa:

- Koresha umutungo winjiza mu gutera inkunga: Hamwe ninguzanyo ya DSCR, abashoramari barashobora gukoresha amafaranga yubukode cyangwa amafaranga yinjizwa numutungo kugirango babone inkunga, babemerera gushora mumitungo isanzwe itanga amafaranga.
  
- Kwagura umutungo wawe utimukanwa: Ubushobozi bwo kwemererwa bushingiye kumafaranga yinjira mumitungo bivuze ko abashoramari bashobora kubona imitungo myinshi batabujijwe nibisabwa numutungo bwite. Ibi byugurura amahirwe yo gukura byihuse portfolio.

- Bikurura abashoramari bafite imitungo myinshi: Abashoramari batimukanwa basanzwe bafite imitungo myinshi barashobora gukoresha amafaranga yavuye mumitungo yabo isanzwe kugirango babone amafaranga yinyongera, barusheho kuzamura inshingano zabo.

- Igitekerezo cyiza kubashoramari bikorera ku giti cyabo: Inguzanyo ya DSCR ifitiye akamaro kanini abantu bikorera ku giti cyabo cyangwa ba nyir'ubucuruzi bashobora kuba bafite amafaranga yinjira mu buryo budasanzwe cyangwa badafite ibyangombwa bisanzwe bikenerwa mu nguzanyo gakondo.

Ninde ushobora kungukirwa n'inguzanyo zishingiye kuri DSCR?

Inguzanyo ya DSCR ishingiye ku nguzanyo irashobora kugirira akamaro abashoramari batimukanwa batandukanye, harimo:

- Abashoramari Bambere-Niba utangiye gushora imari mumitungo itimukanwa, ubu buryo bwinguzanyo butanga inzira yoroshye yo kwinjira kumasoko, wibanda kubushobozi bwumutungo bwo kwinjiza amafaranga kuruta amateka yimari yawe bwite.

- Abashoramari bamenyereye bafite ibintu byinshi: Abashoramari b'inararibonye bafite imitungo myinshi barashobora gukoresha amafaranga ava mu nshingano zabo zisanzwe kugirango babone inguzanyo zinyongera, zibemerera gukomeza kwagura imari yabo.

- Abashoramari batari Abanyamerika: Abashoramari baturutse hanze y’Amerika nabo bashobora kungukirwa ninguzanyo ya DSCR, kuko badasaba imenyekanisha ryimisoro yo muri Amerika cyangwa kugenzura amafaranga yinjira. Ibi byorohereza abanyamahanga gushora imari mumitungo itimukanwa yo muri Amerika.

- Imitungo itimukanwa hamwe nabateza imbere: Abagize uruhare mu guhindagura imitungo cyangwa guteza imbere imitungo itimukanwa barashobora gukoresha inguzanyo ya DSCR kugirango batange amafaranga yo kubona imitungo mishya hashingiwe ku biteganijwe ko amafaranga yinjira.

Umwanzuro

Inguzanyo ya DSCR itanga inguzanyo itanga uburyo bworoshye, bworoshye bwo gutera inkunga abashoramari batimukanwa. Mu kwibanda ku mutungo wimitungo aho kuba imari yumuntu ku giti cye, iyi gahunda yinguzanyo ikuraho inzitizi nyinshi zijyanye no gutera inkunga gakondo, bigatuma abashoramari kubona, gutera inkunga, cyangwa kwagura imitungo yabo byoroshye.

Waba utangiye cyangwa uri umushoramari w'inararibonye, ​​inguzanyo ya DSCR ninzira nziza yo gukoresha umutungo wawe wogushora imari no gukomeza kubaka portfolio yimitungo itimukanwa idafite ibibazo bya gahunda zinguzanyo gakondo.

Kugira ngo umenye byinshi byukuntu DSCR Cash Flow-ishingiye ku nguzanyo ishobora kugufasha gutera inkunga umutungo wawe utaha, hamagara AAA Inguzanyo uyumunsi.

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