Kumvetsetsa Ngongole za DSCR: Kusintha Kwa Masewera kwa Ogulitsa

Msika wogulitsa nyumba waku US umapereka mwayi waukulu kwa osunga ndalama, ndiDscr Ngongoleszatuluka ngati chida champhamvu chotsegulandalamakuthekera. Mosiyana ndi ngongole zanyumba zomwe zimadalira ndalama zomwe munthu amapeza, aNgongole ya DSCR-yachidule ya Debt Service Coverage Ratio loan-imayang'ana pa kayendedwe ka ndalama zomwe zimapangidwa ndi malo ogulitsa. Ku AAA Capital Investment, IncMtengo wapatali wa magawo DSCRndiDSCRZogulitsa zimapangidwira kuti zikwaniritse zosowa za osunga ndalama anzeru, zomwe zimapereka kusinthasintha komanso njira zosavuta zomwe zimapangitsa kuti ndalama zobwereketsa zikhale zosavuta kuposa kale.

Chimodzi mwazinthu zodziwika bwino zathuNgongole za DSCRndipalibe kutsimikizira ndalama. Obwereketsa achikhalidwe nthawi zambiri amafuna kubweza misonkho yambiri komanso ndalama zolipirira, zomwe zitha kukhala chopinga kwa anthu odzilemba okha kapena omwe ali ndi ndalama zovuta. Ndi AAA Capital Investment, Inc., timayesa kuyenerera kutengera momwe malowo angapangire ndalama osati ma W-2 anu. Mwachitsanzo, athuMtengo wapatali wa magawo DSCRPulogalamuyi imafuna miyezi 12 yokhala ndi umwini komanso luso loyang'anira zinthu zomwe zimapanga ndalama, kuwonetsetsa kuti obwereketsa ndi osunga ndalama okhazikika. Izipalibe kutsimikizira ndalamaNjirayi imathandizira ndondomekoyi, kukulolani kuti muyang'ane pa kukula kwa mbiri yanu.

Chifukwa chiyaniNgongole za DSCR yabwino kwa osunga ndalama? Yankho lagona pa kusinthasintha kwawo ndi kuyang'ana pamalowedwe andalama. Malinga ndi lipoti la 2024 la National Association of Realtors, malo osungiramo ndalama adatenga 16% yazogulitsa nyumba chaka chatha, ndipo ogula ambiri adapeza ndalama zobwereketsa kuti apeze ndalama. ZathuNgongole ya DSCRimayang'anira chiwongola dzanja cha ngongole ya nyumbayo - kuyerekeza ndalama zobwereka ndi zobweza ngongole. Za kuDSCRTimaperekanso zosankha zotsikira ku 0.75 ndi chiwongola dzanja chokha, zomwe zimafuna chiwongola dzanja cha 700 FICO ndi 70% LTV. Izi zikutanthauza kuti osunga ndalama atha kulipirira malo okhala ndi ndalama zocheperako, kukulitsa kubweza kunyumba zabanja limodzi, nyumba zamagulu 2-4, kapena ma condos ovomerezeka.

Ku AAA Capital Investment, Inc., timamvetsetsa kuti kugulitsa nyumba ndi mwayi. ZathuMtengo wapatali wa magawo DSCRimathandizira nzika zaku US, okhalamo okhazikika, ndi mabungwe ngati ma LLC, pomwe aDSCRmankhwala amatsegula zitseko kwanzika zakunja(mpaka 65% LTV yobweza ndalama). Mapulogalamu onsewa amachotsa kufunikira kwa zolemba zolemetsa monga kubweza misonkho, m'malo mwake ndikuwunikira ziyeneretso zosavuta. Mwachitsanzo, kasitomala posachedwapa adakonzanso malo a 4-unit ku Texas pogwiritsa ntchito yathuNgongole ya DSCR. Popeza ndalama zokwana $500,000 ndipo zosungitsa zidakumana pogwiritsa ntchito ndalama zomwe adapeza, adakulitsa mbiri yawo - zonse popanda kutsimikizira ndalama.

Zopindulitsa sizimathera pamenepo. Otsatsa amasangalala ndi mpikisano, monga miyezi 6-12 ya nkhokwe za PITIA kutengera kukula kwa ngongole, kuwonetsetsa bata lazachuma. Katundu ayenera kukwaniritsa zofunikira - monga nyumba zosapangidwa - koma ma condos osavomerezeka ndi oyenera pansi paDSCRpulogalamu, kukulitsa zosankha zanu. Kaya mukubweza ndalama kapena mukugula,Ngongole za DSCRndiyabwino kwa osunga ndalamakuyang'ana masikelo bwino.

Pamsika momwe ndalama zimayendera, AAA Capital Investment, Inc. imapereka njira zothandizira ndalama zomwe zimayika patsogolo kasamalidwe ka katundu kuposa zomwe munthu amapeza. Ndipalibe kutsimikizira ndalamandi mapangidwe opangidwira osunga ndalama, athuNgongole za DSCRkukupatsani mphamvu kuti mugwiritse ntchito mwayi womwe ena angaphonye. Kodi mwakonzeka kutengera ndalama zanu pamlingo wina? Lumikizanani nafe lero kuti tiwone momwe aNgongole ya DSCRakhoza kukugwirirani ntchito.