DSCR Zvikwereti vs. Zvikwereti zvechinyakare: Chii Chakanakisisa?

Kana zvasvika pakupa mariInvestment Property Chikwereti, sarudzo pakati pechinyakare mortgage uye aDSCRchikweretiinogona kugadzira kana kuputsa zano rako. KuAAA Capital Investment, Inc., yeduPrime DSCRuyeDSCRzvigadzirwa zvinopa imwe nzira inomanikidza, inosimbisahapana mutero unodzoka, mari yezvivakwa, uye mazwi ane hushamwari kune investor. Ngationgororei kuti izvi seiDSCR zvikweretirongedza zvinopesana nezvakajairwa sarudzo uye nei ivo vari sarudzo yepamusoro yevatengesi vezvivakwa muna 2025.

Zvikwereti zvechinyakare zvinotsamira zvakanyanya pamari yaunowana, inoda kudzoserwa mutero, mabheti ekubhadhara, uye kunyura kwakadzama munhoroondo yako yezvemari. Kune vatengesi vane mari isiri nguva dzose - sevaridzi vedzimba vanozvishandira - izvi zvinogona kuva mutengesi. Mukusiyana, aDSCR chikweretikubva kuAAA Capital Investment, Inc. inobvisa kudiwa kwetax returns. YeduPrime DSCRchirongwa, chakagadzirirwa vagari vemuUS uye maLLC ane ingangoita mwedzi gumi nemiviri yeruzivo rwekutarisira zvivakwa, anoongorora Chikwereti Service Coverage Ratio panzvimbo. Nzvimbo inogadzira $5,000 murendi inopesana ne $4,000 yekubhadhara imba inokodzera zviri nyore, hapana maW-2 anodiwa.

Kutarisa uku kunoitaDSCR zvikweretiyakanaka seinvestment property chikwereti. Tora iyoDSCRchigadzirwa: inopa mari yeasiri-warrantable condos uye 2-4 unit zvivakwa, ine cash-out refinances inosvika 75% LTV yeratidzo pamusoro pe1.0. Vechivanhu vanokweretesa vanowanzo nyara kubva kune idzi pfuma mhando kana cap LTVs yakaderera. Mutengi nguva pfupi yadarika akashandisa yeduDSCR chikweretikugadzirisazve imba isina-warantiki muNevada, kuburitsa $400,000 pasina kuendesa mutero. The process? Ongororo imwe (yezvikwereti zviri pasi pemadhora maviri emamiriyoni) uye chirevo chebhangi chemwedzi mumwe chete.

Enzanisa izvo kune zvakajairwa zvikwereti, uko mwaka wezviitiko zvechikwereti senge kubhuroka unogona kutambanudzira kusvika kumakore manomwe. YeduDSCRchirongwa chinopfupisa izvi kusvika kumwedzi makumi matatu nematanhatu, uyePrime DSCRkusvika kumwedzi 24, kukuita kuti udzoke mumutambo nekukurumidza. Reserves ndeimwe kuhwina: nepo zvechinyakare mortgages zvingada 6-12 mwedzi kumberi, yeduDSCR zvikweretibvumira mari yekubuda kuti igutse izvi, kuwedzera mari kune yako inoteverainvestment property chikwereti.

Data inotsigira kuchinja. Per CoreLogic, kutenga zvivakwa zvekudyara kwakakwira 14% muna 2024, zvichitungamirwa nerendi.DSCR zvikweretisangana nekuvhiya uku, uchipa mazwi akadaihapana mutero unodzokauye sarudzo dzevatorwa (kusvika 65% LTV pasiDSCR) Kunyangwe iwe uri kukwidza portfolio kana kubhadhara patsva kuti ugadzirise, AAA Capital Investment, Inc. inopa mari isingaenderane nevanokweretesa. Wakagadzirira kukanda dambudziko rekudzorera mutero? Bata nesu kuti tione kuti aDSCR chikweretiinogona kusimbisa mari yako.