Kugwiza umutungo wawe wishoramari Ibishoboka: Gusobanukirwa Igipimo cya Serivisi Yimyenda na Gahunda zitari QM

Gushora mumitungo itimukanwa birashobora kuba luCRAtive umushinga, cyane cyane muri Amerika aho isoko itandukanye kandi ifite imbaraga. Ariko, kugirango ugire icyo ugeraho, ni ngombwa gusobanukirwa ibipimo byingenzi byimari na gahunda zinguzanyo zishobora kugira ingaruka ku ishoramari ryawe. Ibintu bibiri by'ingenzi ku bashoramari batimukanwa ni igipimo cyo gutanga inguzanyo ya serivisi (DSCR) na gahunda zitari QM. Muri iki kiganiro, tuzasesengura uburyo ibi bintu bishobora kugufasha gukoresha umutungo wawe wishoramari.

Igipimo cya serivisi yo kwishyura imyenda (DSCR) ni iki?

Igipimo cya serivisi ishinzwe imyenda (DSCR) ni igipimo cyamafaranga gikoreshwa nabaguriza kugirango basuzume ubushobozi bwumutungo winjiza amafaranga ahagije kugirango bishyure inshingano zabo. Byibanze, DSCR ibarwa mukugabanya umutungo winjiza umutungo (NOI) na serivisi yimyenda yose. DSCR ya 1.0 isobanura umutungo winjiza amafaranga ahagije kugirango yishyure umwenda, mugihe DSCR irenze 1.0 yerekana amafaranga asagutse, bigatumaishoramariibyago bike kubatanga inguzanyo.

Kurugero, niba umutungo wawe wishoramari ufite inyungu zinjiza 100.000 $ hamwe no kwishyura imyenda yumwaka 80.000 $, DSCR yaba 1.25. Iri gereranya ryerekana ko umutungo winjiza amafaranga 25% arenze ayo akenewe kugirango yishyure umwenda, bikaba byiza kubona inkunga.

Akamaro ka DSCR mu ishoramari ryimitungo itimukanwa

Gusobanukirwa no gutezimbere umutungo wa DSCR ni ngombwa kubwimpamvu nyinshi:

1. Kwemeza Inguzanyo: Abatanga inguzanyo akenshi basaba byibuze DSCR kugirango yemeze inguzanyo. DSCR yo hejuru yongerera amahirwe yo kubona inkunga.
2. Igipimo cyinyungu: Umutungo ufite DSCRs nyinshi urashobora kwemererwa kubona inyungu nkeya, kugabanya amafaranga yinguzanyo muri rusange.
3. Ubuzima bwamafaranga: DSCR ikomeye yerekana amafaranga meza, bigatuma igishoro cyawe gishobora guhangana nihindagurika ryisoko.

Gucukumbura Gahunda zitari QM

Gahunda zitari QM (Inguzanyo zidafite ibyangombwa) zagenewe abahawe inguzanyo batujuje ibyangombwa bisabwa byinguzanyo gakondo. Izi porogaramu zitanga ibintu byoroshye mu bijyanye no kugenzura amafaranga yinjira, amanota y'inguzanyo, no kugereranya imyenda-ku-byinjira, bigatuma bahitamo neza abashoramari batimukanwa.

Inyungu za Gahunda zitari QM kubashoramari

1. Kugenzura ibyinjira byoroshye: Porogaramu zitari QM akenshi zemera ubundi buryo bwo kwinjiza ibyangombwa, nka banki cyangwa amafaranga yubukode, bishobora kugirira akamaro abashoramari bikorera ku giti cyabo.
2. Amanota y'inguzanyo: Abashoramari bafite amanota atari make-yinguzanyo barashobora gukomeza kubona inguzanyo zitari QM, bagatanga amahirwe menshi yo kubona inkunga.
3. Umubare ntarengwa w'inguzanyo: Porogaramu itari QM irashobora gutanga imipaka ntarengwa yinguzanyo, yemerera abashoramari gutera inkunga imitungo minini cyangwa myinshi.

Guhuza DSCR na Gahunda zitari QM

Mugusobanukirwa umutungo wawe DSCR no gukoresha gahunda zitari QM, urashobora kuzamura ingamba zishoramari. DSCR ihanitse irashobora kunoza amahirwe yo kwemererwa kubona inguzanyo nziza itari QM, mugihe ihinduka ryizi gahunda rishobora kugufasha kubona inkunga nubwo inguzanyo gakondo zitari amahitamo.

Mu gusoza, kumenya neza gahunda ya Coverage Coverage Ratio na Non-QM ni ngombwa kubashoramari bose batimukanwa bashaka kongera ubushobozi bwabo bwo gushora imari muri Amerika. Mu kwibanda kuri ibi bintu byingenzi, urashobora gufata ibyemezo byuzuye, umutekano uterwa inkunga, kandi ukagera kubitsinzi byinshi mumishinga itimukanwa.

Itangazo: Iyi ngingo yahinduwe na AAA LENDINGS; amwe mumashusho yakuwe kuri enterineti, umwanya wurubuga ntuhagarariwe kandi ntushobora gusubirwamo nta ruhushya. Hariho ingaruka ku isoko kandi ishoramari rigomba kwitonda. Iyi ngingo ntabwo igizwe ninama zishoramari kugiti cye, kandi ntizita ku ntego zihariye zishoramari, uko ubukungu bwifashe cyangwa ibikenerwa nabakoresha kugiti cyabo. Abakoresha bagomba gusuzuma niba ibitekerezo, ibitekerezo cyangwa imyanzuro ikubiye hano ihuye nibibazo byabo. Shora ukurikije ingaruka zawe.