Hobaneng U Khetha Kalimo ea DSCR-Qualified CES bakeng sa Thepa eo e seng Beng ba Hao

Batseteli ba thekiso ea matlo ba batlang likalimo tseo e seng beng ba tsona ba na le sesebelisoa se matla ho Kalimo ea Closed-End Second (CES), haholo ha ba tšoaneleha ho sebelisa Debt Service Coverage Ratio (DSCR). Likalimo tsena tse thehiloeng ho chelete ea thepa li etelletsa pele chelete ea khiriso ho feta ea lichelete tsa motho, 'me e fana ka monyetla oa ho alima chelete e thehiloeng ho phallo ea chelete. Ke ka lebaka lena likalimo tsa CES e leng khetho e holimo bakeng sa thepa ea matsete le hore na e sebetsa joang.

Kalimo ea CES ke kalimo ea bobeli e nang le nako e behiloeng, e loketseng ho tšehetsa thepa eo e seng beng ba eona ntle le ho senya chelete eo motho a e bolokileng. Ka ho sebelisa DSCR ho tšoaneleha, ba alimang chelete ba lekola chelete ea khiriso ea thepa khahlanong le sekoloto sa eona kaofela, ho kenyeletsoa le mekoloto ea matlo ka bobeli. Debt Service Coverage Ratio e arola kakaretso ea rente ea selemo le selemo ka melato ea likoloto (mokoloto, tsoala, lekhetho le inshorense). DSCR ea 1.2, mohlala, e bolela hore thepa e hlahisa chelete e fetang 20% ​​ho feta kamoo ho hlokahalang, e khothatsang ba alimang chelete bakeng sa likalimo tse thehiloeng ho phallo ea chelete.

Karolo ea netefatso ea hore ha ho na chelete ea motho e ikhethang. Ho sa tsotellehe hore na ua itšebetsa kapa u na le litheolelo tse ngata, likalimo tsa CES ha li hloke litefello tsa ho lefa kapa ho khutlisa lekhetho. Sebopeho sena sa mekitlane ea thepa se lekola likhiriso tsa mebaraka kapa litumellano tsa khiriso, ho nolofatsa tumello. Hape, likalimo tsa CES li fumaneha kantle ho naha, tse nolofalletsang bo-ramatsete ba machabeng ho lefella rente ea US. Motho ea tsoang kantle ho naha ea nang le triplex e hlahisang $6,000 khoeli le khoeli a ka tšoaneleha bakeng sa Kalimo ea Bobeli e Koetsoeng ka DSCR e matla, ha ho chelete e kenang ea US e hlokahalang.

Likhetho tsa Piggyback ok li etsa hore likalimo tsa CES li ipiletse le ho feta. Batseteli ba ka kopanya Mokoloto oa Bobeli oa Closed-End le mokoloto oa pele ho koahela ho fihla ho 85% ea boleng ba thepa, ho fokotsa litefiso tse tlase. Bakeng sa thepa ea matsete ea $400,000, kalimo ea pele e ka koahela $300,000, ka chelete ea kalimo ea CES $80,000, e siea $20,000 feela ka pokothong. Sena leqReserves capital bakeng sa ho nchafatsa kapa ho reka lintho tse ncha.

Leha likalimo tsa CES tse thehiloeng ho DSCR li fana ka melemo, li na le tsoala e holimo ho feta mekoloto ea pele, 'me ba alimang ba ka fokotsa CLTV ho laola kotsi. Batseteli le bona ba tlameha ho boloka ts'ebetso e matla ea mekoloto eo e seng beng ba eona, kaha likheo li ka theola DSCR. Ho khetha likhiriso tse batloang haholo ho fokotsa sena, ho netefatsa katleho ea likalimo tse thehiloeng ho phallo ea chelete. Ka ho se na netefatso ea chelete ea motho le phihlello e fumanehang ea naha ea kantle ho naha, likalimo tsa Closed-End Second li matlafatsa bo-ramatsete ho hola ka leano.