Ukuqonda Izimalimboleko ze-DSCR: I-Game-Changer yabatshalizimali

Imakethe yezindlu zase-US inikeza amathuba amakhulu kubatshalizimali, kanyeDscr Loansziye zavela njengethuluzi elinamandla lokuvulautshalomaliokungenzeka. Ngokungafani nezikweletu zendabuko ezincike emalini engenayo yomuntu siqu, aImalimboleko ye-DSCR-ifushane ku-Debt Service Coverage Ratio loan-igxile ekungeneni kwemali okukhiqizwa indawo yokutshala imali. Kwa-AAA Capital Investment, Inc., yethuInani eliphakeme kakhulu lama-DSCRfuthiI-DSCRimikhiqizo yakhelwe ukuhlangabezana nezidingo zabatshalizimali abanolwazi, enikeza ukuguquguquka nezinqubo ezenziwe lula ezenza ukuxhasa ngezimali izakhiwo eziqashisayo kube lula kunangaphambili.

Isici esivelele sohlelo lwethuImalimboleko ye-DSCRkuyintoakukho ukuqinisekiswa kwemali engenayo. Ababolekisi bendabuko bavame ukudinga imbuyiselo yentela eningi kanye nezigaxa zokukhokha, okungaba isithiyo kubantu abazisebenzayo noma labo abanemifudlana yemali engenayo eyinkimbinkimbi. Nge-AAA Capital Investment, Inc., sihlola ukufaneleka ngokusekelwe emandleni esakhiwo okukhiqiza imali esikhundleni sama-W-2 akho siqu. Ngokwesibonelo, yethuInani eliphakeme kakhulu lama-DSCRUhlelo ludinga ubuncane bezinyanga eziyi-12 zobunikazi kanye nesipiliyoni sokuphatha sezakhiwo ezikhiqiza imali engenayo, ukuqinisekisa ukuthi ababoleki bangabatshalizimali asebemnkantshubomvu. Lokhuakukho ukuqinisekiswa kwemali engenayoindlela ilula inqubo, ikuvumela ukuthi ugxile ekukhuliseni iphothifoliyo yakho.

KunganiImalimboleko ye-DSCR ilungele abatshalizimali? Impendulo ilele ekuguquguqukeni kwabo nokugxila kukhoukungena kwemali. Ngokombiko wango-2024 we-National Association of Realtors, izakhiwo zokutshalwa kwezimali zibalele u-16% wakho konke ukuthengiswa kwezindlu ngonyaka odlule, nabathengi abaningi besebenzisa imali yokuqasha ukuze bathole uxhaso. EyethuImalimboleko ye-DSCRihlola isilinganiso sesevisi yesikweletu sendawo—iqhathanise imali engenayo yokuqasha nenkokhelo yempahla mboleko. OkweI-DSCRumkhiqizo, size sinikeze izinketho ezifika esilinganisweni esingu-0.75 ngemibandela yenzalo kuphela, edinga amaphuzu aphansi angu-700 FICO kanye no-70% LTV. Lokhu kusho ukuthi abatshalizimali bangakwazi ukuxhasa izakhiwo ngemali ephansi yokungena kwemali, bakhulise imbuyiselo emakhaya anomndeni owodwa, amayunithi amayunithi angu-2-4, noma ama-condos aqinisekisiwe.

Kwa-AAA Capital Investment, Inc., siyaqonda ukuthi ukutshala izindlu nomhlaba kumayelana nethuba. EyethuInani eliphakeme kakhulu lama-DSCRibhekelela izakhamizi zase-US, izakhamuzi ezihlala unomphela, kanye nezinhlangano ezifana nama-LLC, kuyilaphoI-DSCRumkhiqizo uvula iminyango forabezizwe zakwamanye amazwe(kufika ku-65% LTV yezimali kabusha). Zombili lezi zinhlelo ziqeda isidingo semibhalo enzima efana nezimbuyiselo zentela, ezigxile esifundweni esenziwe lula. Isibonelo, iklayenti lisanda kuxhasa kabusha indawo enamayunithi ama-4 e-Texas lisebenzisa eyethuImalimboleko ye-DSCR. Ngokuphuma kwemali engu-$500,000 kanye nemali egciniwe ehlangatshezwana nenzuzo, banweba iphothifoliyo yabo—konke ngaphandle kokuqinisekisa imali engenayo.

Izinzuzo azigcini lapho. Abatshalizimali bajabulela imigomo yokuncintisana, njengezinyanga eziyisi-6-12 ze-PITIA ezigciniwe ngokusekelwe kusayizi wemalimboleko, okuqinisekisa ukuzinza kwezezimali. Izakhiwo kufanele zihlangabezane nemibandela ethile—njengokungabi namakhaya akhiqiziwe—kodwa ama-condos angenawarantiable afanelekile ngaphansiI-DSCRUhlelo, ukwandisa izinketho zakho. Noma ngabe wenza kabusha ngezimali noma uyathenga,Imalimboleko ye-DSCRkukhonailungele abatshalizimaliebheka ukukala kahle.

Emakethe lapho ukugeleza kwemali kuyinkosi, i-AAA Capital Investment, Inc. iletha izixazululo zezimali ezibeka kuqala ukusebenza kwesakhiwo kunemali engenayo yomuntu siqu. Ngeakukho ukuqinisekiswa kwemali engenayokanye nomklamo oklanyelwe abatshalizimali, wethuImalimboleko ye-DSCRukukunika amandla okuba ubambe amathuba abanye abangawaphuthelwa. Ingabe usukulungele ukuyisa utshalomali lwakho kwelinye izinga? Xhumana nathi namuhla ukuze uhlole ukuthi kanjani aImalimboleko ye-DSCRingakusebenzela.