Likalimo tsa DSCR Khahlanong le Mekoloto ea Tloaelo ea Matlo: Ke Efe e Molemohali?

Ha ho tluoa tabeng ea lichelete tsaKalimo ea Thepa ea Matsete, khetho pakeng tsa mokoloto oa setso le aDSCRkalimoe ka etsa kapa ya senya leano la hao. Ho AAA Capital Investment, Inc., ronaDSCR e khololeDSCRlihlahisoa li fana ka mokhoa o mong o qobellang, ho hatisaha ho litlaleho tsa lekhetho, chelete e kenang ea thepa, le mantsoe a bonolo ho batseteli. A re hlahlobeng hore na tsena ke lifeLikalimo tsa DSCRbokellana khahlano le likhetho tse tloaelehileng le hore na hobaneng e le khetho e holimo bakeng sa batseteli ba thekiso ea matlo le meaho ka 2025.

Mekoloto ea setso e itšetlehile haholo ka chelete e kenang, e hlokang ho khutlisetsoa lekhetho, li-stubs tsa ho lefa, le ho ikakhela ka setotsoana nalaneng ea hau ea lichelete. Bakeng sa bo-ramatsete ba nang le chelete e sa tloaelehang—joaloka beng ba matlo ba iketselitseng—sena e ka ba sekotsi. Ho fapana le hoo, aKalimo ea DSCRho tsoa ho AAA Capital Investment, Inc. e felisa tlhokahalo ealitefiso tsa lekhetho. Tsa ronaDSCR e kholoLenaneo, le etselitsoeng baahi ba US le li-LLC tse nang le bonyane likhoeli tse 12 tsa boiphihlelo ba taolo ea thepa, le lekola Karolelano ea Kakaretso ea Ts'ebeletso ea Mekoloto. Thepa e hlahisang $5,000 ka rente khahlano le tefo ea ntlo ea ntlo ea $4,000 e tšoaneleha habonolo, ha ho hlokahale li-W-2.

Tsepamiso ena e etsaLikalimo tsa DSCRe loketseng joalo kakalimo ea thepa ea matsete. Nka theDSCRsehlahisoa: e fana ka lichelete bakeng sa li-condos tse sa lefelloeng le thepa ea li-unit tse 2-4, ka lichelete tsa chelete tse tsoang ho 75% LTV bakeng sa likarolelano tse ka holimo ho 1.0. Ba alimang ba setso hangata ba qoba mefuta ena ea thepa kapa li-LTV tse tlase. Moreki o sa tsoa sebelisa ronaKalimo ea DSCRho nchafatsa condo e se nang tumello Nevada, ho ntša $400,000 ntle le ho fana ka litefo tsa lekhetho. Mokhoa oo? Tekanyetso e le 'ngoe (bakeng sa likalimo tse ka tlase ho $2 milione) le setatemente sa banka sa khoeli e le 'ngoe.

Bapisa seo le likalimo tse tloaelehileng, moo nako ea liketsahalo tsa mokoloto joalo ka bankrupt e ka fihlang lilemo tse 7. Tsa ronaDSCRlenaneo le khutsufatsa sena ho likhoeli tse 36, leDSCR e kholoho isa ho likhoeli tse 24, ho u khutlisetsa papaling kapele. Lichelete ke tlhōlo e 'ngoe: ha mekoloto ea setso e ka hloka likhoeli tse 6-12 pele, ea ronaLikalimo tsa DSCRlumella chelete ea ho ntša chelete ho khotsofatsa sena, ho matlafatsa chelete bakeng sa se latelangkalimo ea thepa ea matsete.

Lintlha li tšehetsa phetoho. Ho latela CoreLogic, theko ea thepa ea matsete e nyolohile 14% ka 2024, e tsamaisoa ke tlhoko ea khiriso.Likalimo tsa DSCRkopana le tšubuhlellano ena, e fanang ka mantsoe a kangha ho litlaleho tsa lekhethole likhetho bakeng sa batho ba tsoang kantle ho naha (ho fihla ho 65% LTV tlasaDSCR). Ho sa tsotellehe hore na u holisa potefolio kapa u nchafatsa chelete e le hore u e nchafatse, AAA Capital Investment, Inc. e fana ka lichelete tseo baalimi ba khale ba ke keng ba li lekana. Na u se u itokiselitse ho tlosa bothata ba ho khutlisa lekhetho? Ikopanye le rona ho bona kamoo aKalimo ea DSCRe ka matlafatsa matsete a hau.