Ngongole za DSCR vs. Ngongole Zachikhalidwe: Zabwino Ndi Chiyani?

Pankhani yopereka ndalama ndiInvestment Property Ngongole, kusankha pakati pa ngongole yanyumba ndi aDSCRngongoleakhoza kupanga kapena kuswa njira yanu. Ku AAA Capital Investment, IncMtengo wapatali wa magawo DSCRndiDSCRmankhwala amapereka njira ina yokakamiza, kutsindikapalibe zobweza msonkho, ndalama zogulira katundu, ndi mawu ochezeka kwa osunga ndalama. Tiyeni tifufuze momwe iziNgongole za DSCRsungani zosankha zanthawi zonse komanso chifukwa chake ali osankhidwa kwambiri kwa osunga nyumba mu 2025.

Ngongole zachikhalidwe zimadalira kwambiri ndalama zomwe munthu amapeza, zomwe zimafunikira kubweza msonkho, ndalama zolipirira, ndikuzama m'mbiri yanu yazachuma. Kwa osunga ndalama omwe amapeza ndalama zosakhazikika - monga eni nyumba odzilemba okha - izi zitha kukhala zosokoneza. Mosiyana, aNgongole ya DSCRkuchokera ku AAA Capital Investment, Inc. amachotsa kufunika kwazobweza msonkho. ZathuMtengo wapatali wa magawo DSCRPulogalamu, yopangidwira nzika zaku US ndi ma LLC omwe ali ndi zaka zosachepera miyezi 12 yoyang'anira katundu, imayang'anira Debt Service Coverage Ratio m'malo mwake. Malo omwe amapanga $5,000 mu lendi motsutsana ndi $4,000 yolipira ngongole yanyumba imayenerera mosavuta, palibe ma W-2 ofunikira.

Cholinga ichi chimapangaNgongole za DSCRzabwino ngatindalama zogulira katundu. TenganiDSCRChogulitsa: chimapereka ndalama zopangira ma condos osavomerezeka ndi katundu wa 2-4, ndikubweza ndalama mpaka 75% LTV pamagawo opitilira 1.0. Obwereketsa achikhalidwe nthawi zambiri amapewa mitundu iyi ya katundu kapena ma LTV otsika. Makasitomala adagwiritsa ntchito yathu posachedwaNgongole ya DSCRkukonzanso kondomu yopanda chilolezo ku Nevada, kutulutsa $400,000 osapereka msonkho. Njira? Kuyesa kumodzi (kwa ngongole zosakwana $2 miliyoni) ndi sitetimenti yakubanki ya mwezi umodzi.

Yerekezerani izi ndi ngongole wamba, pomwe zokometsera za zochitika zangongole ngati kubweza ngongole zimatha kufikira zaka 7. ZathuDSCRPulogalamu imafupikitsa izi mpaka miyezi 36, ndiMtengo wapatali wa magawo DSCRkwa miyezi 24, kukupangitsani kubwereranso mumasewera mwachangu. Zosungira ndi kupambana kwina: pomwe ngongole zanyumba zitha kufuna miyezi 6-12 patsogolo, yathuNgongole za DSCRkulola ndalama zotuluka kuti zikwaniritse izi, ndikuwonjezera ndalama zamtsogolondalama zogulira katundu.

Data imathandizira kusintha. Per CoreLogic, kugula kwa malo ogulitsa kunakwera 14% mu 2024, motsogozedwa ndi kufunikira kobwereka.Ngongole za DSCRkukumana ndi kuwonjezereka uku, kumapereka mawu ngatipalibe zobweza msonkhondi zosankha za nzika zakunja (mpaka 65% LTV pansiDSCR). Kaya mukukulitsa mbiri kapena mukulipiranso ndalama kuti mukonzenso, AAA Capital Investment, Inc. imapereka ndalama zomwe obwereketsa achikhalidwe sangagwirizane nazo. Mwakonzeka kusiya kubweza msonkho? Lumikizanani nafe kuti muwone momwe aNgongole ya DSCRakhoza mphamvu ndalama zanu.