Kuwedzera Investment Yako: Kunzwisisa iyo DSCR Ratio yeVatorwa Vekunze Vanoisa Mari muUS Real Estate

Kuisa mari muUS real estate inogona kuve mukana une mari kune vekunze. Nekudaro, kufambisa kuomarara kwemari kunogona kuve kwakaoma, kunyanya kana zvasvika pakunzwisisa iyo Debt Service Coverage Ratio (DSCR) Ichi chinyorwa chine chinangwa chekujekesa chiyero cheDSCR uye kukosha kwayo kune vekunze vari kutsvaga kuisa mari muzvivakwa zveAmerica.

Chii chinonzi DSCR Ratio?

Chiyero cheDSCR, kana Debt Service Coverage Ratio, ndiyo metric yakakosha inoshandiswa nevakweretesi kuongorora kugona kwenzvimbo yekudyara kuvhara zvisungo zvayo zvechikwereti. Chaizvoizvo, inoyera mambure ekushandisa epfuma (NOI) zvinoenderana nesevhisi yayo yese yechikwereti. Chiyero cheDSCR che1.0 chinoratidza kuti imba yacho inowana mari yakakwana yekubhadhara chikwereti chayo, nepo chiyero chiri pamusoro pe1.0 chinoratidza zvakanaka.Kuyerera Kwemari, uye reshiyo iri pasi pe1.0 inoratidza kushomeka kunogona kuitika.

Sei iyo DSCR Ratio Yakakosha kune Vekune dzimwe nyika?

Kune vekunze, kunzwisisa chiyero cheDSCR kwakakosha kune zvikonzero zvakati wandei. Chekutanga, inobatsira mukuongorora hutano hwemari hwechinhu chinogona kuisirwa mari. Chiyero chepamusoro cheDSCR chinoreva njodzi yakaderera kune vanokweretesa, zvichiita kuti zvive nyore kune vekunze kuti vawane mari. Kechipiri, chiyero chakasimba cheDSCR chinogona kutungamira kumatemu ari nani ekukwereta, senge yakaderera mubereko uye yakakwira mari yechikwereti, inogona kuwedzera zvakanyanya pundutso yekudyara.

Maitiro ekuverenga iyo DSCR Ratio

Kuverengera chiyero cheDSCR kunosanganisira yakatwasuka formula:

DSCR Ratio=Net Operating Income (NOI)Total Debt ServiceDSCR chiyero=Total Chikwereti ServiceNet Operating Income (NOI).

Semuenzaniso, kana imba inogadzira $100,000 muNOI uye ine chikwereti chegore negore che $80,000, chiyero cheDSCR chingave:

DSCR Ratio=100,00080,000=1.25DSCR chiyero=80,000100,000.=1.25

Chiyero ichi chinoratidza kuti chivakwa chinoburitsa 25% mari yakawanda kupfuura inodiwa kuvhara zvikwereti zvayo, chiratidzo chakanaka kune vanokweretesa.

Mazano eVatorwa Vekunze Kuvandudza DSCR Ratio

1. Wedzera Mari Yekuroja: Kuvandudza kukwezva kwenzvimbo kuburikidza nekugadziridza kana kushambadzira zvine hungwaru kunogona kukwezva vanobhadhara zvakanyanya.
2. Deredza Mashandisiro Ekushandisa: Kuita matanho ekuchengetedza mari kunogona kuwedzera iyo NOI, nekudaro kuvandudza chiyero cheDSCR.
3. Refinance Chikwereti: Kukurukurirana zviri nani zvezvikwereti kana kubhadhara chikwereti chiripo nemitengo yakaderera kunogona kuderedza chikwereti chose.

Mhedziso

Kune zvizvarwa zvekune dzimwe nyika, kunyatsonzwisisa kwechiyero cheDSCR kwakakosha pakudyara muUS real estate. Iyi metric haingopesvedzeri kugona kuchengetedza mari asi zvakare inokanganisa pundutso yese yekudyara. Nekutarisana nekuvandudza chiyero cheDSCR, vatengesi vekunze vanogona kuwedzera mikana yavo yekubudirira mumakwikwi eUS real estate musika.

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