DSCR Overview
DSCR(Chikwereti Service Coverage Ratio) Chirongwa.
Ichi ndicho chirongwa chiri nyore pakati pezvirongwa zvese zvisiri zveQM. Investment Properties chete.
Mari / Yebasa Status / Mutero Return haidiwi.
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DSCR Chirongwa chakanyanya
♦ Rental Income Qualify
♦ Kunze Kwenyika Inobvumidzwa
♦ Yekutanga Nguva Yekudyara Inogamuchirwa
♦Bvumira Kuvhara Pasi pe LLC
♦ Chipo Mari Inobvumidzwa
♦ Appraisal Transfer Inogamuchirwa
♦ Yenguva Pfupi Kurenda Inokodzera
♦ KUNYANYA(Mini DSCR 1.0)
Ndokumbira ufonere mutengo:
• FICO 620-659
• Mortgage kunonoka kubhadhara
• Kuroja kwenguva pfupi
• 5-10 Units
• Chikwereti amt > $2.0 miriyoni
• Foreign National LTV>70% kanaITIN LTV>75%
• C08 Vanokwereta
Chii chinonzi DSCR?
Iwe unoziva nzira yekukodzera chikwereti chemba yemba pasina ruzivo rwebasa uye mari?
Hauna kukodzera here neyakajairwa mortgage zvikwereti?
Unoziva here kuti ndeipi chirongwa chechikwereti chiri nyore chigadzirwa?
Iwe unoda kuziva mashandisirwo emagwaro akaderedzwa kuti ukwanise kukwereta?
Zvakakuomera here kuti uwane chikwereti chemba muindasitiri yako?
Isu tinopa yakakwana chirongwa chechikwereti kugutsa zviri pamusoro apa zvakakosha zvinhu - chirongwa cheDSCR. Ndiyo inonyanya kufarirwa Isiri-QM chigadzirwa mune zvikwereti zvemba zvemba.
DSCR (Debt Service Coverage Ratio) yakagadzirirwa vatengesi vezvivakwa vane ruzivo uye inokodzera vanokwereta zvichibva pamari-inoyerera chete kubva kune chinyorwa chivakwa kuti vaongorore njodzi yekudyara. Nhasi, isu tinotarisisa pakunzwisisa tsananguro yeDSCR uye kuburitsa chakavanzika cheDSCR chirongwa kubva pakuona kwekudyara kwedzimba.
DSCR Flyer
Nhau uye Vhidhiyo
DSCR Ratio: Iyo Yezvemari Hutano Barometer yeMabhizinesi➡Vhidhiyo
Kudhirodha iyo DSCR Ratio: Yako Yemari Fitness Tracker➡Vhidhiyo
Kukwirisa Real Estate Investment neYedu Inovandudza DSCR Chikwereti Chigadzirwa➡Vhidhiyo
Kuvhura Zvivakwa Zvinogoneka neDSCR Zvikwereti: Gwaro Rizere reVatorwa Vekunze➡Vhidhiyo
Nzira yekuverenga DSCR?
Kune zvikwereti zvemba yemba, DSCR inoreva chiyero chemari yekurenda yemwedzi nemwedzi yenzvimbo yekudyara kune yakazara mari yedzimba. Izvi zvinodhura zvinogona kusanganisira mukuru, mubereko, mutero wezvivakwa, inishuwarenzi, uye HOA mubhadharo. Chero mari isina kuitwa icharekodhwa se 0. Kudzika kwereshiyo, kunowedzera njodzi yechikwereti. Inogona kuratidzwa mune zvinotevera:
Isu tinopa "Hapana ratio DSCR" kune vatengi vedu, zvinoreva kuti reshiyo inogona kudzika kusvika "0". Muzvigadzirwa zvedu zvenguva dzose zvechikwereti, tinoda kuenzanisa mari yevakwereta nePITI yepamwedzi (Mukuru, Mubereko, Mutero, Inishuwarenzi) pamwe nemari ipi neipi yeHOA uye zvimwe zvikwereti zvepfuma yakabatiswa kuti vasarudze kuti chikwereti chacho chinokodzera here.
Benefits yeDSCR
Hapana reshiyo DSCR chigadzirwa chechikwereti chisingatarise kana kuda mari yemukwereti nekuti haisanganisi kuverengwa kweDTI (Debt-To-Income Ratio). Zvakakosha, iyo shoma DSCR (Debt Service Coverage Ratio) inogona kunge yakaderera se 0. Kunyange kana mari yekurenda yakaderera, tinogona kuzviita! Iyi isarudzo yakanaka kune vanokwereta vane mari shoma kana zvikwereti zvakawanda.Izvi zvinoita kuti ive sarudzo inoshanda kunyange kune avo vane mari yekurenda yakaderera, zvichiita kuti ive sarudzo yakanaka kune vanokwereta vane mari shoma kana zvikwereti zvakakwirira.
Pamusoro pezvo, chirongwa ichi chakavhurika kune Vekune dzimwe nyika, kunyanya avo vane F1 visa. Kana uri wekune imwe nyika uye usingakwanise kuwana chikwereti chemumba, ndapota taura nesu kuti tikurukure nezvechikwereti chako.
