Me yasa Zabi Lamunin CES masu cancantar DSCR don Kayayyakin da Ba Mai Shi ba

Masu saka hannun jari na gida da ke neman lamunin da ba mai shi ba suna da kayan aiki mai ƙarfi a cikin Lamunin Rufe-Ƙarshen Na Biyu (CES), musamman lokacin da suka cancanta ta amfani da Ratio na Sabis na Bashi (Farashin DSCR). Waɗannan lamunin tushen samun kuɗaɗen kadarorin suna ba da fifikon samun kuɗin haya fiye da na kuɗaɗen kai, suna ba da sassauci don lamuni na tushen tsabar kuɗi. Anan shine dalilin da yasa lamunin CES shine babban zaɓi don kaddarorin saka hannun jari da yadda suke aiki.

Lamunin CES jinginar gida ne na biyu tare da ƙayyadaddun lokaci, manufa don ba da kuɗi ga kaddarorin da ba mai shi ba ba tare da ɓatar da ajiyar mutum ba. Ta amfani da DSCR don cancanta, masu ba da bashi suna tantance kuɗin hayar kadarorin akan jimillar bashinta, gami da jinginar gida biyu. Raba Hayar Sabis na Bashi na shekara-shekara ta hanyar wajibcin bashi (babba, riba, haraji, da inshora). A DSCR na 1.2, alal misali, yana nufin kadarorin yana samar da 20% ƙarin kudin shiga fiye da yadda ake buƙata, yana tabbatar da masu ba da lamuni don lamuni na tushen tsabar kuɗi.

Babu sigar tabbatar da samun kuɗin shiga na mutum wanda ya yi fice. Ko kuna da aikin kai ko kuma kuna da ragi da yawa, lamunin CES baya buƙatar biyan kuɗi ko kuma dawo da haraji. Wannan tsarin lamuni na tushen samun kudin shiga yana kimanta hayar kasuwa ko yarjejeniyar hayar, yana daidaita yarda. Ƙari ga haka, lamunin CES na ƙasar waje ne, yana ba masu zuba jari na duniya damar ba da kuɗin hayar Amurka. Baƙon ɗan ƙasar waje mai triplex yana samar da $6,000 kowane wata zai iya cancanci Lamuni na Rufe-Ƙarshe na Biyu tare da DSCR mai ƙarfi, babu kudin shiga na Amurka da ake buƙata.

Zaɓuɓɓukan Piggyback ok suna sa lamunin CES ya fi jan hankali. Masu saka hannun jari na iya haɗa Lamuni na Rufe-Ƙarshen Biyu tare da jinginar gida na farko don rufe kusan kashi 85% na ƙimar kadarorin, rage yawan biyan kuɗi. Don kadarorin saka hannun jari na $400,000, lamuni na farko zai iya rufe $300,000, tare da tallafin lamunin CES $80,000, barin $20,000 daga aljihu. Wannan pAjiyes jari don gyare-gyare ko sababbin saye.

Yayin da lamunin CES na tushen DSCR yana ba da fa'ida, suna ɗaukar ƙimar riba sama da jinginar farko, kuma masu ba da bashi na iya iyakance CLTV don sarrafa haɗari. Dole ne masu saka hannun jari su kula da aikin lamuni mai ƙarfi wanda ba mai shi ba, saboda guraben aiki na iya rage DSCR. Zaɓin hayar manyan buƙatu yana rage wannan, yana tabbatar da nasarar lamuni ta tushen tsabar kuɗi. Ba tare da tabbatar da samun kuɗin shiga na sirri ba da samun dama ga ƙasar waje, Lamuni na Rufe-Ƙarshen Na Biyu yana ƙarfafa masu saka hannun jari don haɓaka da dabaru.