Matekiniki epamberi ekushandisa DSCR-Yakakodzera CES Zvikwereti kuyera Investment

Kune vane nguva yevatengesi vezvivakwa, Yakavharwa-Kupera Kwechipiri (CES) Zvikwereti zvinokwanisa kuburikidza neDebt Service Coverage Ratio (DSCR) chishandiso chehunyanzvi chekuyera zvivakwa zvisiri zvemuridzi. Zvikwereti izvi zvezvivakwa zvinoshandisa kuyerera kwemari yekurenda, zvichipfuura cheki yemari yemunhu yekuyerera kwemari-yakavakirwa kukweretesa. Ngatinyure mumatekiniki epamusoro kuti tiwedzere zvikwereti zveCES zvekukura kwepodfolio.

Chikwereti cheCES inguva yakatarwa-yechipiri mortgage yakarongedzwa kune vasiri muridzi wezvikwereti, ine qualification yakavakirwa paDSCR. Debt Service Coverage Ratio inofananidza mari yekurenda yeimba kune chikwereti chayo, kusanganisira yekutanga neyechipiri yekubhadhara imba. A DSCR ye1.25 inosaina kuyerera kwemari kwakasimba, vanokodzera vanoisa mari kune Yakavharwa-End Yechipiri Zvikwereti pasina kutariswa kwemari yemunhu. Iyi mari inoyerera-yakavakirwa kukweretesa nzira inoita kuti vanoisa mari vatarise kuita kwezvivakwa, kwete mari yavo.

Imwe nzira iri kushandisa piggyback ok zvimiro kuti uwedzere kuwedzera. Kubatanidza chikwereti cheCES nehomwe yekutanga kunogona kupa mari inosvika 85% yeukoshi hwechivakwa, kuderedza mitengo yepamberi. Kune $600,000 yekurenda, $450,000 yekutanga yemba uye $90,000 Yakavharwa-End Yechipiri Chikwereti inosiya chete $60,000 pasi, kusunungura capital kune mamwe madhiri. Rimwe zano nderekubhadhara mari yekugadziridza nezvikwereti zveCES kuti ikwidze rendi, kukwidziridza DSCR kuti iwane mari yeramangwana.

Zvekune dzimwe nyika sarudzo dziripo dzinovhura mikova yevanoisa mari pasi rose. Mugari wekune imwe nyika anogona kushandisa chikwereti cheCES kutsigira pfuma yeUS ine mhuri dzakawanda ine DSCR ye1.4, achivimba chete nemari yekurenda. Iyi haisi mari yekuongorora yemunhu inorerutsa kudyara kwemuganho, sezvo vanokweretesa vanoisa pamberi pezvivakwa zvinoenderana nezvikwereti pamusoro pechiratidzo chemari yemuno.

Vepamberi vanosima mari vanogona zvakare kushandisa zvikwereti zveCES zvekubhadhara mari. Nekubata equity mukurenda ichiita zvemhando yepamusoro, Yakavharwa-End Yechipiri Chikwereti inogona kupa mari yekutenga kutsva pasina kuvhiringa mari dzekutanga dzembavha. Semuyenzaniso, chikwereti che$200,000 CES pachivakwa chakatsiga chinogona kupa mari yekurojesa kechipiri, ichikwidziridza vasiri muridzi wezvikwereti.

Njodzi dzinosanganisira mareti echikwereti eCES akakwira uye anogona DSCR dips kubva pazvinzvimbo, saka vanoisa mari vanofanirwa kunanga misika yerendi. Vanokweretesa vanogona zvakare kuvhara mari yechikwereti (semuenzaniso, $500,000) kana CLTV pa75%. Zvakadaro, nepiggyback ok kuchinjika uye yekunze inowanikwa kuwanikwa, DSCR-yakakodzera Yakavharwa-Ekupedzisira Yechipiri Zvikwereti isimba rekuyera kuburikidza nekuyerera kwemari-kwakavakirwa kukweretesa.