Maqheka a Tsoetseng Pele a ho Sebelisa likalimo tsa DSCR-Qualified CES ho Lekanya Matsete

Bakeng sa batseteli ba nang le nako e telele ba thekiso ea matlo le meaho, likalimo tsa Closed-End Second (CES) li tšoaneleha ka Tekanyetso ea Ts'ebeletso ea Mekoloto (Debt Service Coverage Ratio).DSCR) ke sesebelisoa sa leano bakeng sa ho phahamisa thepa eo e seng ea beng ba eona. Likalimo tsena tse itšetlehileng ka chelete ea thepa li sebelisa phallo ea chelete ea khiriso, li feta licheke tsa chelete ea motho bakeng sa likalimo tse thehiloeng ho phallo ea chelete. Ha re ikakhele ka setotsoana ho maqheka a tsoetseng pele a ho sebelisa likalimo tsa CES molemong oa kholo ea potefolio.

Kalimo ea CES ke mokoloto oa nako e tsitsitseng oa bobeli o etselitsoeng likalimo tseo e seng beng ba tsona, ka mangolo a thuto a thehiloeng ho DSCR. Debt Service Coverage Ratio e bapisa chelete ea khiriso ea thepa le sekoloto sa eona, ho kenyeletsoa le litefo tsa pele le tsa bobeli tsa ntlo. DSCR ea 1.25 e bontša phallo e matla ea chelete, bo-ramatsete ba tšoanelehang bakeng sa Likoloto tsa Bobeli tse Koetsoeng ntle le netefatso ea chelete ea motho. Mokhoa ona oa ho alimana ka phallo ea chelete o etsa hore bo-ramatsete ba tsepamise maikutlo tšebetsong ea thepa, eseng licheleteng tsa bona.

Leqheka le leng ke ho sebelisa meaho ea piggyback ok ho eketsa matla. Ho kopanya mokoloto oa CES le mokoloto oa pele ho ka tšehetsa chelete e fihlang ho 85% ea boleng ba thepa, ho fokotsa litšenyehelo tsa pele. Bakeng sa khiriso ea $600,000, mokoloto oa pele oa $450,000 le mokoloto oa Bobeli oa $90,000 o koetsoeng o siea $60,000 feela, e lokolla chelete e ngata bakeng sa litheko tse ling. Leano le leng ke ho nchafatsa lichelete ka likalimo tsa CES ho nyolla rente, ho phahamisa DSCR bakeng sa lichelete tsa kamoso.

Likhetho tse fumanehang tsa naha ea kantle li bula mamati bakeng sa bo-ramatsete ba lefats'e. Motho ea tsoang kantle ho naha a ka sebelisa kalimo ea CES ho tšehetsa thepa ea malapa a mangata ea US ka DSCR ea 1.4, a itšetlehile feela ka chelete ea khiriso. Mokhoa ona oa ho netefatsa chelete ea motho ka mong o nolofatsa matsete a tšelang meeli, kaha baalimi ba etelletsa pele likalimo tse thehiloeng ho thepa ho feta bopaki ba chelete ea lehae.

Batseteli ba tsoetseng pele le bona ba ka sebelisa likalimo tsa CES bakeng sa phetisetso ea chelete. Ka ho sebelisa tekano renteng e sebetsang hantle haholo, Closed-End Second Loan e ka lefella theko e ncha ntle le ho sitisa mekoloto ea pele e tlase. Mohlala, kalimo ea $200,000 CES setšeng se tsitsitseng e ka tšehetsa khiriso ea bobeli ea lichelete, ea holisa likalimo tseo e seng beng ba tsona.

Likotsi li kenyelletsa litefiso tse phahameng tsa mekoloto ea CES le li-dips tse ka bang teng tsa DSCR ho tsoa likheong, kahoo batseteli ba lokela ho shebana le mebaraka e hiriloeng haholo. Ba alimang le bona ba ka fokotsa chelete ea kalimo (mohlala, $500,000) kapa CLTV ho 75%. Leha ho le joalo, ka ho feto-fetoha ha maemo a piggyback le phihlello e fumanehang ea naha ea kantle ho naha, Likalimo tsa DSCR tse tšoanelehang tsa Closed-End Second ke setsi sa matla sa ho eketsa chelete ka likalimo tse thehiloeng ho phallo ea chelete.