Sei Kusarudza DSCR-Yakakodzera CES Chikwereti cheZvinhu Zvisiri Muridzi Zvinogara Zvivakwa

Real estate investimendi vanotsvaga vasiri muridzi wezvikwereti vane chishandiso chine simba muClosed-End Second (CES) Chikwereti, kunyanya kana akakodzera kushandisa Debt Service Coverage Ratio (DSCR) Izvi zvikwereti zvezvivakwa-zvakavakirwa pazvivakwa zvinotungamira mari yekurenda pamusoro pemari yemunhu, ichipa shanduko yekuyerera kwemari-yakavakirwa kukweretesa. Ichi ndicho chikonzero zvikwereti zveCES iri sarudzo yepamusoro yezvivakwa zvekudyara uye mashandiro avanoita.

Chikwereti cheCES chikwereti chechipiri chine nguva yakatarwa, yakanakira kubhadhara zvivakwa zvisiri zvemuridzi pasina kubvisa mari yako. Nekushandisa DSCR kuti zvikodzere, vanokweretesa vanoongorora mari yekurenda yeimba nechikwereti chayo chose, kusanganisira zvikwereti zvese. The Debt Service Coverage Ratio inogovera marendi egore negore nezvisungo zvechikwereti (mukuru, mhindu, mutero, uye inishuwarenzi). A DSCR ye1.2, semuenzaniso, inoreva kuti chivakwa chinoburitsa makumi maviri muzana mari yakawanda kupfuura inodiwa, ichisimbisa vanokweretesa mari yekuyerera-kwakavakirwa kukweretesa.

Iyo yekusina mari yekuongorora mari yemunhu inomira. Kunyangwe uchizvishandira kana kuti wakabvisirwa mari zhinji, zvikwereti zveCES hazvidi matubu ekubhadhara kana kudzoserwa mutero. Iyi mari yezvivakwa-yakavakirwa chikwereti chimiro inoongorora marendi emusika kana zvibvumirano zvekurenda, kufambisa mvumo. Uyezve, zvikwereti zveCES ndezvokune dzimwe nyika zviripo, zvichiita kuti vanoisa mari kune dzimwe nyika vape mari yekurenda kweUS. Mugari wekune imwe nyika ane triplex inoburitsa $6,000 pamwedzi anogona kukwanisa kuwana Closed-End Second Loan ine DSCR yakasimba, pasina mari yeUS inodiwa.

Piggyback ok sarudzo dzinoita kuti zvikwereti zveCES zvinyanye kunakidza. Vagadziri vemari vanogona kubatanidza Yakavharwa-Kupera Kwechipiri Chikwereti neyokutanga mortgage kuvhara kusvika 85% yemutengo wepfuma, kuderedza kubhadhara. Kune $400,000 yekudyara nzvimbo, chikwereti chekutanga chinogona kuvhara $300,000, neCES chikwereti chemari inosvika $80,000, ichisiya $20,000 chete kunze kwehomwe. Izvi pReserves capital yekugadziridza kana kutora kutsva.

Nepo zvikwereti zveDSCR-based CES zvichipa mabhenefiti, vanotakura mareti emubereko akakwira pane ekutanga mbanje, uye vanokweretesa vanogona kudzikamisa CLTV kugadzirisa njodzi. Vagadziri vemari vanofanirwawo kuchengetedza yakasimba isiri-muridzi yakagarwa chikwereti kuita, sezvo vacancy vanogona kuderedza DSCR. Kusarudza marendi anodiwa zvakanyanya kunoderedza izvi, kuve nechokwadi chekuyerera-kwakavakirwa kukweretesa kubudirira. Pasina kuoneswa kwemari yemunhu uye yekunze inowanikwa kuwanikwa, Yakavharwa-End Yechipiri Zvikwereti zvinopa simba vanoisa mari kuti vakure zvine hungwaru.