Kunzwisisa DSCR Zvikwereti: Hapana Income Verification yeAmerican Homebuyers

Kana zvasvika pakuwana chikwereti chemba muUnited States, nzira dzechinyakare dzinowanzoda kuongororwa kwakawanda kwemari. Nekudaro, nhamba iri kukura yevanotenga dzimba vekuAmerica vari kutendeukiraDscr Chikweretis, iyo inopa yakasarudzika mhinduro: hapana ongororo yemari. Kunzwisisa DSCR (Debt Service Coverage Ratio) zvikwereti zvinogona kuve kiyi yekuvhura varidzi vemba kune vanhu vazhinji vangave vasingakodzere mold yechinyakare yemukwereti.

Chii chinonzi DSCR Zvikwereti?

Zvikwereti zveDSCR, kana Debt Service Coverage Ratio zvikwereti, zvakagadzirirwa vanokwereta vangave vasina mari yakajairika kana vasingade kuburitsa mari yavo. Panzvimbo pekuvimba nekuongororwa kwemari, vanokweretesa vanoongorora kugona kwemukwereti kubhadhara chikwereti zvichienderana nemari inowanikwa nepfuma pachayo. Izvi zvinoreva kuti mari yemidziyo ndiyoPrimarychinhu pakuona kukodzera kwechikwereti.

Sei Usarudze Chikwereti cheDSCR Usina Kuongororwa Kwemari?

1. Kuchinja Kwevanhu Vanozvishandira: Vazhinji vanozvishandira kana avo vane mihoro isingaite vanosangana nematambudziko mukuwana zvikwereti zvechinyakare nekuda kwekuomerwa kwezvido zvekuongorora mari. Zvikwereti zveDSCR zvinobvisa chipingamupinyi ichi, zvichiita kuti zvive nyore kune vemabhizinesi uye mafreelancers kuti vawane mari.
2. Privacy uye zviri nyore: Vamwe vanokwereta vanosarudza kusaburitsa mari yavo nekuda kwezvikonzero zvekuvanzika. Zvikwereti zveDSCR zvinopa sarudzo yekuongorora mari, ichipa yakawedzera hungwaru uye yakagadziridzwa maitiro ekunyorera.
3. Investment Mikana: Vanoisa zvivakwa vanowanzo shandisa zvikwereti zveDSCR kupa mari yekurojesa. Sezvo mvumo yechikwereti ichienderana nekuwana mari yepfuma, vanoisa mari vanogona kuwedzera zvikwereti izvi kuti vawedzere mapotifolio avo pasina kudiwa kwemagwaro emari emunhu.

Mashandiro anoita DSCR Zvikwereti

Kuti ukwanise kuwana chikwereti cheDSCR, vanokweretesa vanoongorora iyo Debt Service Coverage Ratio yenzvimbo. Chiyero ichi chinoverengerwa nekugovanisa mari yekushandisa yeimba (NOI) nehuwandu hwesevhisi yechikwereti (iyo mortgage pays). A DSCR ye1 kana yepamusoro inoratidza kuti chivakwa chinoburitsa mari yakakwana yekuvhara zvisungo zvayo zvechikwereti, zvichiita kuti ive mumiriri anokwanisa kukwereta.

Semuenzaniso, kana imba ine mambure ekushandisa mari ye $ 10,000 pamwedzi uye yakazara pamwedzi chikwereti service i $ 8,000, iyo DSCR ingadai iri 1.25. Izvi zvinoratidza kuti chivakwa chinoburitsa makumi maviri neshanu muzana mari yakawanda kupfuura inodiwa kubhadhara mari yembavha, zvichiita kuti ive mumiriri akasimba wechikwereti cheDSCR pasina ratidziro yemari.

Mhedziso

Zvikwereti zveDSCR zvisina kusimbiswa kwemari zvinopa mhinduro inoshanda uye inochinjika kune vakawanda vekuAmerica vanotenga dzimba uye vanoisa mari. Nekutarisa pamuhoro wenzvimbo kwete mari yemukwereti, zvikwereti izvi zvinovhura mikova yekuva muridzi wemba nemikana yekudyara iyo ingangodaro isingasvikike. Kunyangwe iwe unozvishandira, uchitsvaga kuvanzika, kana kutsvaga kuisa mari muzvivakwa zvekurojesa, kunzwisisa zvikwereti zveDSCR kunogona kukubatsira kufamba nenzira yemortgage zviri nyore uye nekuvimba.

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