Gusobanukirwa Inguzanyo za DSCR: Umukino-Guhindura abashoramari

Isoko ryimitungo yo muri Amerika ritanga amahirwe menshi kubashoramari, kandiInguzanyo ya Dscrsbyagaragaye nkigikoresho gikomeye cyo gufunguraishoramariubushobozi. Bitandukanye n'inguzanyo gakondo zishingiye ku kwinjiza umuntu ku giti cye, aInguzanyo ya DSCR-Igufi rya Serivise Yinguzanyo Igipimo cyinguzanyo-yibanda kumafaranga yatanzwe numutungo wishoramari. Muri AAA Capital Investment, Inc, yacuIntangiriro DSCRnaDSCRibicuruzwa byateguwe kugirango bihuze ibyifuzo byabashoramari bazi ubwenge, bitanga uburyo bworoshye kandi bworoshe butuma inkunga yubukode bworoha kuruta mbere hose.

Ikintu kimwe kigaragara cyacuInguzanyo ya DSCRninta kugenzura amafaranga yinjira. Abatanga inguzanyo gakondo akenshi basaba imenyekanisha ryinshi ryimisoro kandi bakishyura ibicuruzwa, bishobora kuba inzitizi kubantu bikorera ku giti cyabo cyangwa abafite amafaranga menshi yinjira. Hamwe na AAA Capital Investment, Inc, turasuzuma ibyangombwa dushingiye kubushobozi bwumutungo wo kwinjiza amafaranga kuruta W-2 yawe wenyine. Kurugero, rwacuIntangiriro DSCRporogaramu isaba byibuze amezi 12 yo gutunga no kumenya uburambe kumitungo ibyara inyungu, kwemeza ko abahawe inguzanyo ari abashoramari bamenyereye. Ibinta kugenzura amafaranga yinjirainzira yerekana inzira, igufasha kwibanda mukuzamura portfolio yawe.

KukiInguzanyo ya DSCR byiza kubashoramari? Igisubizo kiri muburyo bworoshye no kwibanda kuriamafaranga yinjira. Raporo yo mu 2024 yakozwe n’ishyirahamwe ry’igihugu ry’abacuruzi, imitungo y’ishoramari yari 16% y’ibicuruzwa byose byagurishijwe mu mwaka ushize, aho abaguzi benshi bakoresha amafaranga y’ubukode kugira ngo babone inkunga. IwacuInguzanyo ya DSCRisuzuma igipimo cya serivisi yimyenda yumutungo - kugereranya amafaranga yubukode bwayo no kwishyura inguzanyo. KuriDSCRibicuruzwa, ndetse tunatanga amahitamo kugeza kuri 0,75 ku kigereranyo cyinyungu gusa, bisaba byibuze amanota 700 FICO na 70% LTV. Ibi bivuze ko abashoramari bashobora gutera inkunga imitungo ifite umubare muto winjiza amafaranga, bakagaruka cyane kumazu yumuryango umwe, inyubako zibice 2-4, cyangwa udukingirizo byemewe.

Muri AAA Capital Investment, Inc, twumva ko gushora imitungo itimukanwa bijyanye n'amahirwe. IwacuIntangiriro DSCRyita kubanyamerika, abahatuye bahoraho, nibigo nka LLC, mugihe theDSCRibicuruzwa bifungura imiryango yaabanyamahanga(kugeza kuri 65% LTV yo gutunganya). Porogaramu zombi zivanaho gukenera inyandiko zitoroshye nko kumenyekanisha imisoro, byibanda ku mpamyabumenyi yoroshye. Kurugero, umukiriya aherutse kunonosora umutungo wibice 4 muri Texas ukoresheje ibyacuInguzanyo ya DSCR. Hamwe n'amafaranga-500.000 $ hamwe nububiko bwateranijwe hakoreshejwe amafaranga, baguye portfolio-byose nta kugenzura amafaranga.

Inyungu ntizagarukira aho. Abashoramari bishimira amagambo yo guhatana, nk'amezi 6-12 yububiko bwa PITIA bushingiye ku bunini bw'inguzanyo, bigatuma ubukungu bwifashe neza. Ibicuruzwa bigomba kuba byujuje ibipimo byihariye - nkutagira amazu yakozwe - ariko udukingirizo tudakwiye kwemererwa munsi yaDSCRporogaramu, kwagura amahitamo yawe. Waba utera inkunga cyangwa ugura,Inguzanyo ya DSCRnibyiza kubashoramarikureba ku gipimo cyiza.

Ku isoko aho amafaranga yinjira ari umwami, AAA Capital Investment, Inc. itanga ibisubizo byinkunga ishyira imbere imikorere yumutungo kuruta amafaranga yinjiza. Hamwe nanta kugenzura amafaranga yinjiranigishushanyo cyagenewe abashoramari, abacuInguzanyo ya DSCRkuguha imbaraga zo gukoresha amahirwe abandi bashobora kubura. Witeguye kujyana ishoramari kurwego rukurikira? Twandikire uyu munsi kugirango tumenye uko aInguzanyo ya DSCRirashobora kugukorera.