Izimalimboleko ze-DSCR vs. Izikweletu Zokubolekwa Kwendabuko: Yikuphi Okungcono Kakhulu?

Uma kukhulunywa ngezimaliI-Investment Property Loan, ukukhetha phakathi kwe-mortgage yendabuko kanye aI-DSCRimalimbolekoangenza noma aphule isu lakho. Kwa-AAA Capital Investment, Inc., yethuInani eliphakeme kakhulu lama-DSCRfuthiI-DSCRimikhiqizo inikeza enye indlela ephoqelelayo, egcizelelaakukho kubuyiselwa kwentela, imali engenayo yendawo, kanye nemibandela elungele abatshalizimali. Ake sihlole ukuthi leziImalimboleko ye-DSCRzinqwabelanise nezinketho ezijwayelekile nokuthi kungani zingakhethwa phezulu kubatshali bezindlu ngo-2025.

Izimali ezibolekiwe zendabuko zincike kakhulu emalini engenayo yomuntu siqu, edinga ukubuyiselwa kwentela, izikweletu zokukhokha, kanye nokungena ngokujulile emlandweni wakho wezezimali. Kubatshalizimali abanemali engenayo engajwayelekile—njengabanikazi bezindlu abazisebenzelayo—lokhu kungaba isiphazamiso. Ngokuphambene, aImalimboleko ye-DSCRkusuka ku-AAA Capital Investment, Inc. iqeda isidingoizintela zentela. EyethuInani eliphakeme kakhulu lama-DSCRuhlelo, oludizayinelwe izakhamizi zase-US nama-LLC anesipiliyoni sokuphathwa kwezakhiwo okungenani izinyanga eziyi-12, luhlola I-Debt Service Coverage Ratio esikhundleni salokho. Isakhiwo esikhiqiza u-$5,000 oqashiswayo ngokumelene nenkokhelo yendlu yendlu engu-$4,000 sifaneleka kalula, awekho ama-W-2 adingekayo.

Lokhu kugxila kwenzaImalimboleko ye-DSCRekahle njengeimali yokubolekwa kwempahla yokutshala imali. Thatha iI-DSCRumkhiqizo: inikeza uxhaso lwezimali lwamakhondomu anganikezwa iwaranti kanye nezakhiwo zeyunithi engu-2-4, ngemali ekhishwa kabusha ngemali efika ku-75% LTV ngezilinganiso ezingaphezu kuka-1.0. Ababolekisi bendabuko bavame ukuzibalekela lezi zinhlobo zezakhiwo noma banciphise ama-LTV. Iklayenti muva nje lisebenzise yethuImalimboleko ye-DSCRukuxhasa kabusha i-condo engenawaranti e-Nevada, ukukhipha ama- $ 400,000 ngaphandle kokuhambisa izimbuyiselo zentela. Inqubo? I-appraisal eyodwa (yemalimboleko engaphansi kwezigidi ezimbili zamaRandi) kanye nesitatimende sasebhange senyanga eyodwa.

Qhathanisa lokho nezimali mboleko ezivamile, lapho isinongo semicimbi yesikweletu efana nokuqothuka singafinyelela eminyakeni engu-7. EyethuI-DSCRUhlelo lufinyeza lokhu kube yizinyanga ezingama-36, futhiInani eliphakeme kakhulu lama-DSCRkuya ezinyangeni ezingama-24, ukukubuyisela kugeyimu ngokushesha. Imali egciniwe ingenye iwini: kuyilapho imali ebolekiwe yendabuko ingase idinge izinyanga eziyisi-6-12 ngaphambili, eyethuImalimboleko ye-DSCRvumela imali ephumayo ukwanelisa lokhu, kukhuphule izinga lokuthola imali kokulandelayoimali yokubolekwa kwempahla yokutshala imali.

Idatha isekela ukushintshwa. Ngokwe-CoreLogic, ukuthengwa kwezakhiwo ezitshaliwe kukhuphuke ngo-14% ngo-2024, kuqhutshwa isidingo sokuqasha.Imalimboleko ye-DSCRhlangabezana nalokhu kuhlinzwa ngqo, unikeza imigomo efanaakukho kubuyiselwa kwentelakanye nezinketho zabantu bangaphandle (kufika ku-65% LTV ngaphansiI-DSCR). Kungakhathaliseki ukuthi ukhulisa iphothifoliyo noma uxhasa ngezimali kabusha ukuze ulungise, i-AAA Capital Investment, Inc. iletha uxhaso lwezimali ababolekisi bendabuko abangakwazi ukufana nalo. Usulungele ukulahla inkinga yokubuyisela intela? Xhumana nathi ukuze ubone ukuthi kanjani aImalimboleko ye-DSCRinganika amandla ukutshalwa kwezimali kwakho.