Imbaraga za DSCR kandi Nta kugenzura kwinjiza mu nguzanyo zishoramari

Ku bashoramari batimukanwa muri Amerika, kubona inguzanyo ikwiye birashobora kuba inzira igoye kandi itwara igihe. Ariko, ibintu bibiri byingenzi - Igipimo cya serivisi yimyenda Igipimo (DSCR) kandi nta kugenzura kwinjiza-birashobora koroshya inzira yo kwemeza no gutanga ibintu byoroshye. Izi ngingo zemerera abashoramari kubona inkunga bashingiye kumitungo yinjiza, aho kuba amakuru yumuntu ku giti cye. Muri iki kiganiro, tuzaganira ku buryo DSCR kandi nta nguzanyo yo kugenzura ibyinjira ishobora kugirira akamaro kugura umutungo wawe.

DSCR ni ikiishoramariInguzanyo?

Igipimo cya Coverage Service (DSCR) ni igipimo cyingenzi gikoreshwa nabatanga inguzanyo kugirango basuzume ubushobozi bwumutungo wishoramari winjiza amafaranga ahagije kugirango bishyure inshingano zabo. Mu byingenzi, igereranya umutungo winjiza mubikorwa (NOI) na serivisi yimyenda (ubwishyu bwinguzanyo zose). DSCR ya 1.0 isobanura ko umutungo winjiza uhagije kugirango wishyure umwenda. DSCR irenga 1.0 yerekana ko umutungo winjiza amafaranga arenze ayo akenewe kugirango yishyure umwenda, bigabanya ingaruka kubatanga inguzanyo.

Kubashoramari, kubungabunga DSCR nzima-mubisanzwe hafi 1.25 cyangwa irenga - birashobora kongera amahirwe yo kubona inguzanyo muburyo bwiza. Irerekana ko umutungo wishoramari uhagaze neza mubukungu kandi urashobora kubyara amafaranga ahagije.

Nta Kugenzura Amafaranga: Inyungu Zingenzi Kubashoramari

Gusaba inguzanyo gakondo bisaba abashoramari gutanga ibyemezo byinjiza binyuze mumisoro, imisoro yishyurwa, nibindi byangombwa byimari. Ariko, nta nguzanyo yo kugenzura ibyinjira ikuraho iki gisabwa, yibanda cyane kumikorere yimari yumutungo wishoramari ubwawo. Ibi ni byiza cyane kubashoramari bafite imitungo myinshi, abigenga, cyangwa ba nyir'ubucuruzi badashobora kuba bafite ibyangombwa byinjira byinjira byoroshye.

Mugukoresha uburyo bwo kugenzura ibyinjira, abatanga inguzanyo bibanda kumafaranga yinjiza (nk'amafaranga akodeshwa cyangwa inyungu ziva mubikorwa byumutungo), nikimenyetso cyizewe cyerekana ubushobozi bwumushoramari wo kwishyura inguzanyo. Ubushobozi bwumutungo bwo gukomeza DSCR ihamye ihinduka ingingo zingenzi zujuje ibyangombwa, aho kuba umushoramari ubukungu bwe bwite.

Uburyo DSCR na Nta Kugenzura Amafaranga Yinjiza Hamwe

Iyo DSCR kandi nta kugenzura kwinjiza byahujwe, abashoramari batimukanwa bungukirwa nuburyo bworoshye bwo gusaba inguzanyo. Kubera ko uwatanze inguzanyo yibanda ku nyungu z'umutungo aho kuba umushoramari ku giti cye, abahawe inguzanyo ntibakeneye gutanga ibyangombwa byinshi byinjira. Igihe cyose umutungo ubyara inyungu zihagije zo kwishyura umwenda (nkuko bigaragazwa na DSCR), abashoramari barashobora kwemererwa gutera inkunga baterekanye ko binjije.

Kurugero, umushoramari ufite amazu menshi yo gukodesha kandi afite amafaranga yinjiza adasanzwe arashobora kugorana gutanga igenzura ryinjiza gakondo. Ariko, niba umutungo wishoramari uvugwa ufite DSCR ya 1.25 cyangwa irenga, umutungo ubwawo uzagaragara nkishoramari ryizewe, ryemerera umushoramari kurenga kugenzura ibyinjira.

Impamvu Ibi Bifitiye akamaro Abashoramari

Imwe mu nyungu zingenzi za DSCR kandi nta kugenzura kwinjiza ni uko abashoramari bashobora kubona inkunga byihuse kandi byoroshye. Hamwe nibisabwa bike byangombwa, inzira yo kwemeza inguzanyo irihuta, ifasha abashoramari kwihuta muburyo bwo kugura umutungo. Byongeye kandi, ubu buryo butuma abashoramari bibanda ku nyungu zumutungo wabo aho guhangana nuburyo bugoye bwo kugenzura amafaranga gakondo.

Byongeye kandi, kubashoramari bafite imitungo myinshi, ukoresheje DSCR nkibipimo byibanze byerekana ko buri mutungo usuzumwa ukurikije ubushobozi bwinjiza aho kuba imari yumushoramari. Iyi ninyungu nini kubashaka kuzamura inshingano zabo nta mananiza yo kwerekana amafaranga yinjiza.

Umwanzuro

DSCR kandi ntamahitamo yo kugenzura yinjiza atanga igisubizo cyihariye kandi cyiza kubashoramari batimukanwa bashaka kubona inkunga kumitungo yishoramari. Mugushimangira ubushobozi bwumutungo winjiza no koroshya inzira yo gusaba, abashoramari barashobora kubona byihuse inkunga badakeneye kugenzura ibyinjira. Ubu buryo bworoshya gushora imari mumitungo itimukanwa, kwagura imishinga, no kubaka ubutunzi bwigihe kirekire.

Kugira ngo umenye byinshi byukuntu DSCR kandi nta kugenzura kwinjiza bishobora kugufasha kubona inguzanyo nziza yishoramari, twandikire uyu munsi! Itsinda ryinzobere ryacu rirahari kugirango rikuyobore inzira yinguzanyo kandi igufashe kubona inkunga ukeneye.

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