Iyo Simba reDSCR uye Hapana Income Verification mu Investment Mortgages

Kune varidzi vezvivakwa muUS, kuchengetedza imba chaiyo inogona kazhinji kuve yakaoma uye inopedza nguva maitiro. Nekudaro, zvinhu zviviri zvakakosha-Debt Service Coverage Ratio (DSCR) uye hapana kuongororwa kwemari-inogona kurerutsa maitiro ekubvumidza uye kupa shanduko. Izvi zvinhu zvinobvumira vanoisa mari kuti vawane mari zvichibva pane iyo pfuma inogona kuwana, kwete ruzivo rwemari yemunhu. Muchikamu chino, tichakurukura kuti DSCR uye hapana mari yekusimbisa mari yembavha inogona kubatsira yako kutenga nzvimbo yekudyara.

Chii chinonzi DSCR muinvestmentMortgages?

Iyo Debt Service Coverage Ratio (DSCR) ndiyo yakakosha metric inoshandiswa nevakweretesi kuongorora kugona kwenzvimbo yekudyara kuti iwane mari inokwana kuvhara zvikwereti zvayo. Chaizvoizvo, inofananidza mari yekushandisa yeimba (NOI) kune yayo chikwereti sevhisi (iyo yakazara mortgage kubhadhara). DSCR ye1.0 inoreva kuti mari yeimba yacho inongokwana kubhadhara chikwereti. A DSCR yakakwira kupfuura 1.0 inoratidza kuti chivakwa chinoburitsa mari yakawanda kupfuura inodiwa kuvhara chikwereti, izvo zvinoderedza njodzi kune vanokweretesa.

Kune vanoisa mari, kuchengetedza DSCR ine hutano-kazhinji yakatenderedza 1.25 kana kupfuura-inogona kuwedzera mikana yavo yekuwana chikwereti chemari nemashoko akanaka. Zvinoratidza kuti nzvimbo yekudyara yakagadzikana mune zvemari uye inokwanisa kuburitsa mari yakakwana.

Hapana Kuongororwa Kwemari: Yakakosha Benefit kune Vanoisa mari

Zvechinyakare zvikumbiro zvemortgage zvinowanzoda kuti vanoisa mari vape humbowo hwemari kuburikidza nemitero inodzosa, miripo yekubhadhara, uye mamwe magwaro emari. Nekudaro, hapana mari yekusimbisa zvikwereti inobvisa ichi chinodiwa, ichitarisa zvachose pakuita kwemari kwenzvimbo yekudyara pachayo. Izvi zvinonyanya kubatsira kune vanoisa mari vane akawanda zvivakwa, mafreelancers, kana varidzi vebhizinesi vanogona kunge vasina magwaro emari echinyakare anowanikwa zviri nyore.

Nekushandisa nzira yekusaona mari, vanokweretesa vanotarisa pamari yeimba (senge mari yekurojesa kana purofiti kubva pakushanda kweimba yacho), inova chiratidzo chechokwadi chekugona kwemuridziri kubhadhara chikwereti. Iko kugona kweiyo pfuma kuchengetedza yakasimba DSCR inova iyo yakakosha dhigirii, kwete mamiriro emari emunhu anoita mari.

Mashandisiro anoita DSCR uye Hapana Kuongororwa Kwemari Kunoshanda Pamwe Chete

Kana DSCR uye pasina kuoneswa kwemari kwabatanidzwa, varidzi vezvivakwa vanobatsirwa kubva kune yakagadziridzwa mortgage application process. Sezvo mukweretesi achitarisa pamari yeimba yacho kwete mari yemutengi, vanokwereta havafanire kupa magwaro akawanda emari. Chero bedzi nzvimbo yacho ichiwana mari yakakwana yekuvhara chikwereti (sezvinoratidzwa neDSCR), vatengesi vanogona kukodzera kuwana mari pasina kuratidza mari yavo.

Semuyenzaniso, investor ane zvivakwa zvakati wandei zvekurojesa uye ane mari isingaite mari anogona kuona zvichinetsa kupa echinyakare mari yekuongorora. Nekudaro, kana iyo nzvimbo yekudyara iri mubvunzo iine DSCR ye1.25 kana yepamusoro, iyo pfuma pachayo inozoonekwa seyekudyara yakachengeteka, ichibvumira mudzvanyiriri kudarika ega mari yekuongororwa.

Nei Izvi Zvichibatsira Kune Vanoisa

Imwe yemabhenefiti makuru eDSCR uye hapana yekusimbisa mari ndeyekuti vanoisa mari vanogona kuwana mari nekukurumidza uye nyore. Nezvishoma zvinodiwa zvemagwaro, nzira yekubvumidza mbavha inofambiswa nekukurumidza, ichibatsira vanoisa mari kuti vafambe nekukurumidza pakutora zvivakwa. Pamusoro pezvo, iyi sarudzo inobvumira vanoisa mari kuti vatarise kune pundutso yezvivakwa zvavo pane kubata nekuomarara kwekuongororwa kwemari yechinyakare.

Zvakare, kune vanoisa mari vane zvivakwa zvakawanda, kushandisa DSCR seyekutanga metric inova nechokwadi chekuti chivakwa chega chega chiri kuongororwa zvichienderana nemari yainowana kwete mamiriro emari emudzvanyiriri. Uyu ndiwo mukana mukuru kune avo vanoda kukura mapotifolio avo pasina dambudziko rekuratidza mari yemunhu.

Mhedziso

DSCR uye hapana mari yekusimbisa sarudzo inopa yakasarudzika uye inobatsira mhinduro kune real estate investimendi vari kutsvaga kuchengetedza mari yekudyara zvivakwa. Nekusimbisa kugona kwechivakwa-kuunza mari uye kurerutsa maitiro ekunyorera, vanoisa mari vanogona kukurumidza kuwana mari pasina kudiwa kwekuongororwa kwemari. Iyi nzira inoita kuti zvive nyore kuisa mari muzvivakwa, kuwedzera mapotifolio, uye kuvaka hupfumi hwenguva refu.

Kuti udzidze zvakawanda nezvekuti DSCR uye hapana kuoneswa kwemari kunogona kukubatsira kuchengetedza yakanakisa mari yekudyara, taura nesu nhasi! Chikwata chedu chenyanzvi chiripo kuti chikutungamirire kuburikidza nemaitiro embavha uye kukubatsira kuchengetedza mari yaunoda.

Tifonere: (877) 789-8816
Email: hello@aaalendings.com
Shanyira: https://www.wholesaleaaalendings.com/