12/04/2023

Welina mai i ka honua o ke kālā kahi e ʻōlelo nui ai nā helu ma mua o nā huaʻōlelo, a kahi i hoʻokahi metric, ʻo kaʻAiʻe-Lakoʻo Uhi Laki (DSCR), ke kū nei ma ke ʻano he hōʻailona o ka ʻike i ka pono kālā o kahi hui. E hoʻomaka kākou i kahi huakaʻi hoihoi e wehe i nā mea pohihihi o DSCR, kahi hōʻailona e pono ai i kēlā me kēia kanaka ʻoihana akamai, nā mea hoʻopukapuka, a me nā ʻoihana i kā lākou radar.

Introduction to DSCR: Kou Panana Waiwai

E noʻonoʻo ʻoe he kāpena hoʻokele moku i kapa ʻia ʻo 'Enterprise.' I ka moana nui o ka ʻoihana,DSCRhana e like me kāu panana, alakaʻi iā ʻoe ma nā wai hoʻopunipuni o ka ʻaiʻē a me ka loaʻa kālā. He mea hana maʻalahi akā ikaika ia e ana i ka hiki o kāu ʻoihana ke uku i kāna mau aie me ka hoʻohana ʻana i kāna kālā hana. ʻAʻole ia he helu wale nō; he hōʻailona ia o ka ʻuhane kālā o kāu ʻoihana.

ʻO ka Formula Magic: wehe i ka DSCR
Luʻu i loko o ke ʻano oDSCR, a e ʻike ʻoe i kahi ʻano maʻalahi e like me ka hohonu:

DSCR=Ka Loaʻa Loaʻa Loaʻa Pūnaewele

Eia, ʻo ka Net Operating Income (NOI) ka loaʻa o kāu ʻoihana me ka hoʻemi ʻana i nā lilo hana (akā ma mua o ka ukupanee a me nā ʻauhau). ʻO ka Total Debt Service ka huina kālā e pono ai e uhi i kāu mau aie (ke kumu a me ka ukupanee). Ua like ia me ka nānā ʻana inā loaʻa i kāu ʻoihana ʻaʻole e ola wale akā e holomua ma waena o kāna mau ʻoihana kālā.

No ke aha he mea nui ka DSCR: ʻoi aku ma mua o nā helu

• Ka Loiloi Aie: E noonooDSCRe like me kāu kāleka hōʻike kālā e nānā ana nā mea hāʻawi. ʻO ka DSCR ma luna o 1 ua like ia me ka loaʻa ʻana o kahi A+, e hōʻike ana hiki i kāu ʻoihana ke uhi ʻoluʻolu i kāna mau aie. He kukui ʻōmaʻomaʻo ia no nā mea hāʻawi kālā a he hōʻailona o ke olakino kālā ikaika.
• Investor Attraction: Makemake nā mea kālā i kahi hui me kahi DSCR kiʻekiʻe. Ua like ia me ka ipukukui e hōʻailona ana e holo mālie ana kāu moku, e hoʻolilo iā ia i mea hoʻopukapuka liʻiliʻi a ʻoi aku ka maikaʻi.
• Hoʻolālā Hoʻolālā: No nā kāpena o ka ʻoihana (ʻo ʻoe kēlā, nā alakaʻi ʻoihana!), He mea hana hoʻolālā ʻo DSCR. Kōkua ia iā ʻoe e hoʻokele i nā hoʻoholo e pili ana i ka hoʻolilo ʻana, hoʻopukapuka kālā, a i ʻole ka lawe ʻana i kahi hōʻaiʻē hou. Ua like ia me ka GPS kālā e alakaʻi ana i kāu mau hoʻolālā ʻoihana.

Hōʻike Honua Maoli: DSCR i ka hana
E kiʻi i kēia: He mea hoʻomohala waiwai me ka NOI makahiki o $2,150,000 a me ka lawelawe ʻaiʻē makahiki he $350,000. ʻO kā lākouDSCR? He 6.14 ka nui. ʻO ia hoʻi no kēlā me kēia kālā o ka aie, loaʻa iā lākou ma mua o ʻeono kālā. He hale hoʻokele kālā ia, e hōʻike ana hiki iā lākou ke hoʻokō maʻalahi i kā lākou mau ʻaiʻē a laila kekahi.

ʻO ka ʻaoʻao mālamalama a me nā wahi makapō o DSCR

• ʻO ka ʻaoʻao mālamalama:

1. He kanaka huakaʻi manawa: ʻae ʻo DSCR iā ʻoe e nānā i nā ʻano kālā i ka manawa.
2. He mea hana hoʻohālikelike: Hoʻohālikelike i ka pono ma waena o nā ʻoihana.
3. ʻOi aku ma mua o ka loaʻa kālā a me ka pohō: Loaʻa ia i nā uku kumu, pena i kahi kiʻi kālā piha.

• ʻO nā makapō:

1. Hiki paha ke poina i kekahi mau nuances kālā: ʻO nā mea e like me nā hoʻolimalima ʻauhau hiki ke hele ma waho o kāna kiko.
2. Ke hilinaʻi nei i nā loina moʻohelu kālā: Hiki ke ʻokoʻa ma waena o ke kumumanaʻo a me ke kahe kālā maoli.
3. Paʻakikī: ʻAʻole ia kāu lakio kālā kumu.
4. ʻAʻohe kūlana maʻamau: ʻO nā mea hāʻawi kālā like ʻole, nā manaʻolana DSCR ʻē aʻe.

ʻO nā mea hoʻoikaika: Nā mea e pili ana i ka DSCR
Hiki i kekahi mau kumu ke hoʻololi i kāuDSCR, e like me ka hoʻololi ʻana i kāu loaʻa kālā hana a i ʻole nā ​​loli i ka uku panee. Ua like ia me kahi kaiaola kālā kahi e launa pū ai nā mea like ʻole e hoʻoikaika i ka hiki ke uku ʻaiʻē o kāu hui.

ʻO ka Takeaway: Hoʻopili i kāu papa me DSCR
Hoʻomaopopo a hoʻohana i kaDSCRUa like ka ratio me ka loaʻa ʻana o kahi panana kālā no kāu ʻoihana. ʻAʻole wale ia e pili ana i ke ola ʻana i nā kai ʻino o ka honua ʻoihana akā e holomua ana a me ka hoʻopaʻa ʻana i kahi ala i ka ulu hoʻomau a me ka loaʻa kālā. Inā he kāpena mākaukau ʻoe a i ʻole he mea hou i ke aupuni kalepa, ʻo ka mālama pono ʻana i kāu DSCR hiki ke alakaʻi i kāu ʻoihana i ka holomua a me ke kūpaʻa.

No laila, loaʻa iā ʻoe, he huakaʻi ma ka honua oDSCR. He lākiō ia i ʻoi aku ma mua o ka helu wale nō—he moʻolelo ia e pili ana i ke olakino kālā o kāu ʻoihana, he moʻolelo hiki iā ʻoe ke hana a hoʻomaikaʻi. E makaʻala, e hoʻohana naʻauao i kēia mea hana, a e nānā i ka holo ʻana o kāu ʻoihana i kahi pae waiwai. Hauʻoli holo!

wikiō:DSCR Ratio: ʻO ka Barometer Ola Ola no nā ʻoihana

ʻŌlelo: Ua hoʻoponopono ʻia kēia ʻatikala e AAA LENDINGS; Ua lawe ʻia kekahi o nā kiʻi mai ka Pūnaewele, ʻaʻole i hōʻike ʻia ke kūlana o ka pūnaewele a ʻaʻole hiki ke paʻi hou ʻia me ka ʻole o ka ʻae ʻia. Aia nā pilikia ma ka mākeke a pono e makaʻala ke kālā. ʻAʻole kēia ʻatikala i ka ʻōlelo aʻoaʻo pilikino pilikino, ʻaʻole hoʻi e noʻonoʻo i nā pahuhopu waiwai kikoʻī, kūlana kālā a i ʻole pono o nā mea hoʻohana pākahi. Pono nā mea hoʻohana e noʻonoʻo inā kūpono nā manaʻo, nā manaʻo a i ʻole nā ​​manaʻo i loko o kēia i ko lākou kūlana. E hoʻolilo e like me kāu pilikia.