Kuwona Mayunitsi a DSCR 5-9 ndi Ngongole Zopanda QM kwa Ogulitsa Nyumba ndi Nyumba

Kuyendera dziko lanyumba ndi nyumbandalamazingakhale zovuta, makamaka pankhani kupeza ndalama. Mawu awiri ofunikira omwe osunga ndalama akuyenera kuwadziwa ndi mayunitsi a DSCR 5-9 ndi ngongole za Non-QM. Kumvetsetsa mfundozi kungakuthandizeni kupanga zisankho zodziwika bwino komanso kukulitsa phindu lomwe mwagulitsa.

DSCR ndi chiyani?

Debt Service Coverage Ratio (DSCR) ndi njira yofunika kwambiri yomwe obwereketsa amagwiritsa ntchito poyesa kuthekera kwa malo opangira ndalama kuti athe kubweza ngongole zake. Kwa katundu wokhala ndi mayunitsi 5-9, DSCR imawerengedwa pogawa ndalama zogwirira ntchito zapanyumba (NOI) ndi ngongole yonse. DSCR yapamwamba imawonetsa kuthekera kokulirapo pakubweza ngongole, zomwe zimapangitsa kuti malowo akhale okongola kwa obwereketsa.

Ubwino waDSCR 5-9 mayunitsi

1. Mwayi Wowonjezera Ngongole: Katundu wokhala ndi DSCR yolimba, makamaka omwe ali ndi magawo 5-9, amakhala ndi mwayi wopeza ngongole zabwino. Obwereketsa amawona malowa ngati chiwopsezo chochepa, zomwe zingapangitse kuti pakhale chiwongola dzanja chambiri komanso kubwereketsa bwino.

2. Kuwonjezeka kwa Cash Flow: DSCR yokwera imatanthawuza kuti malowo amapeza ndalama zambiri kuposa zomwe zimafunikira kuti alipire ngongole, kupatsa osunga ndalama mwayi wopeza ndalama zosayembekezereka komanso phindu lomwe lingachitike.

Kumvetsetsa Ngongole Zopanda QM

Ngongole za Non-QM (Non-Qualified Mortgage) zimapangidwira obwereka omwe sakwaniritsa zofunikira za ngongole zachikhalidwe za Qualified Mortgage (QM). Ngongolezi ndizopindulitsa makamaka kwa osunga nyumba, anthu odzilemba okha, komanso omwe amapeza ndalama mosakhazikika.

Ubwino wa Ngongole Zopanda QM

1. Flexible Underwriting: Ngongole zomwe si za QM zimapereka njira zosinthira zolembera, zomwe zimalola osunga ndalama kuti ayenerere kutengera zolemba zina, monga zikalata zakubanki kapena kutsimikizira katundu, m'malo motsimikizira ndalama zomwe amapeza.

2. Malire a Ngongole Apamwamba: Ngongole zomwe si za QM nthawi zambiri zimabwera ndi malire apamwamba, zomwe zimawapangitsa kukhala abwino kugula kapena kubwezanso katundu ndi mayunitsi 5-9. Kusinthasintha uku kungakhale kofunikira kwa osunga ndalama omwe akufuna kukulitsa ma portfolio awo.

Kuphatikiza ma DSCR 5-9 Units ndi Ngongole Zopanda QM

Kwa osunga malo ogulitsa nyumba, kuphatikiza phindu la mayunitsi a DSCR 5-9 ndi kusinthika kwa ngongole za Non-QM kungakhale njira yamphamvu. Poyang'ana kwambiri malo okhala ndi ma DSCR amphamvu, osunga ndalama amatha kupititsa patsogolo mwayi wawo wobvomera ngongole ndikusunga mawu abwinoko. Pakadali pano, kusinthika kwa ngongole za Non-QM kumawonetsetsa kuti ngakhale omwe ali ndi ndalama zomwe si zachikhalidwe atha kupeza ndalama zomwe amafunikira.

Mapeto

Kumvetsetsa zovuta za mayunitsi a DSCR 5-9 ndi ngongole za Non-QM ndikofunikira kwa osunga malo omwe akufuna kukulitsa njira zawo zopezera ndalama. Pogwiritsa ntchito zida izi, osunga ndalama amatha kupeza ngongole zabwino, kuwongolera ndalama, ndipo pamapeto pake amapeza chipambano pamabizinesi awo ogulitsa nyumba. Kaya ndinu Investor wokhazikika kapena mwangoyamba kumene, kulingalira izi kungapangitse kusiyana kwakukulu muzotsatira zanu zachuma.

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