{"id":431,"date":"2026-08-27T02:18:49","date_gmt":"2026-08-27T02:18:49","guid":{"rendered":"https:\/\/uribank.com\/wordpress1\/2026\/08\/27\/rental-income-mortgage-qualification\/"},"modified":"2026-08-27T02:18:49","modified_gmt":"2026-08-27T02:18:49","slug":"rental-income-mortgage-qualification","status":"publish","type":"post","link":"http:\/\/uribank.com\/wordpress1\/2026\/08\/27\/rental-income-mortgage-qualification\/","title":{"rendered":"\ub80c\ud2b8\uc218\uc785 \ubc18\uc601 \ub300\ucd9c \uac00\ub2a5\ud560\uae4c? \uc778\uc815 \uae30\uc900\uacfc \uc900\ube44 \uc11c\ub958"},"content":{"rendered":"

\ud22c\uc790\uc6a9 \uc8fc\ud0dd\uc744 \uc0b4 \ub54c \uac00\uc7a5 \ub9ce\uc774 \ubc1b\ub294 \uc9c8\ubb38\uc740 \ubc14\ub85c \u201c\ub80c\ud2b8\uc218\uc785 \ubc18\uc601 \ub300\ucd9c \uac00\ub2a5\ud560\uae4c\u201d\uc785\ub2c8\ub2e4. \ub2f5\uc740 \uac00\ub2a5\ud569\ub2c8\ub2e4. \ub2e4\ub9cc \uc6d4 \ub80c\ud2b8\uac00 \uc788\ub2e4\uace0 \ud574\uc11c \uadf8 \uae08\uc561 \uc804\ubd80\uac00 \uc790\ub3d9\uc73c\ub85c \ub300\ucd9c \uc18c\ub4dd\uc5d0 \ud3ec\ud568\ub418\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub300\ucd9c \uc885\ub958, \uad6c\ub9e4\ud558\ub294 \ubd80\ub3d9\uc0b0\uc758 \uc0c1\ud0dc, \ubcf8\uc778\uc758 \uc138\uae08\ubcf4\uace0 \uc18c\ub4dd, \uc2e0\uc6a9\uc810\uc218, \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8, \uac70\uc8fc \uc2e0\ubd84\uc5d0 \ub530\ub77c \uc778\uc815 \ubc29\uc2dd\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4.<\/p>\n

\ud2b9\ud788 \ubbf8\uad6d\uc5d0\uc11c\ub294 \uc784\ub300\uc218\uc785\uc744 \ub2e8\uc21c\ud55c \ud604\uae08 \ud750\ub984\uc774 \uc544\ub2c8\ub77c, \uc0c1\ud658 \ub2a5\ub825\uc744 \uac80\uc99d\ud558\ub294 \uc790\ub8cc\ub85c \ubd05\ub2c8\ub2e4. \ub80c\ud2b8\uac00 \uc2e4\uc81c\ub85c \ub4e4\uc5b4\uc624\uace0 \uc788\ub294\uc9c0, \uac10\uc815\ud3c9\uac00\uc0c1 \uc2dc\uc7a5 \uc784\ub300\ub8cc\uac00 \uc5bc\ub9c8\uc778\uc9c0, \ud574\ub2f9 \uc18c\ub4dd\uc774 \uc138\uae08\ubcf4\uace0\uc5d0 \uc5b4\ub5bb\uac8c \ubc18\uc601\ub418\uc5c8\ub294\uc9c0\ub97c \ud568\uaed8 \ud655\uc778\ud569\ub2c8\ub2e4. \ud22c\uc790 \uae30\ud68c\ub97c \ub193\uce58\uc9c0 \uc54a\uc73c\ub824\uba74 \uacc4\uc57d\uc11c\ub97c \uc4f0\uae30 \uc804\ubd80\ud130 \uc5b4\ub5a4 \ub300\ucd9c \uad6c\uc870\uac00 \uac00\ub2a5\ud55c\uc9c0 \ud310\ub2e8\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub80c\ud2b8\uc218\uc785 \ubc18\uc601 \ub300\ucd9c, \uc5b4\ub5a4 \ubc29\uc2dd\uc73c\ub85c \uc778\uc815\ub420\uae4c<\/h2>\n

\uc784\ub300\uc218\uc785\uc744 \ubc18\uc601\ud558\ub294 \ubc29\uc2dd\uc740 \ud06c\uac8c \ub450 \uac00\uc9c0\uc785\ub2c8\ub2e4. \uccab\uc9f8\ub294 \uae30\uc874\uc5d0 \ubcf4\uc720\ud55c \ub80c\ud0c8 \ubd80\ub3d9\uc0b0\uc758 \uc2e4\uc81c \uc784\ub300\uc218\uc785\uc744 \uc77c\ubc18 \ubaa8\uae30\uc9c0 \uc2ec\uc0ac\uc5d0 \ubc18\uc601\ud558\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4. \ub458\uc9f8\ub294 \uc0c8\ub85c \uad6c\ub9e4\ud560 \ud22c\uc790\uc6a9 \uc8fc\ud0dd\uc5d0\uc11c \ubc1c\uc0dd\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\ub294 \uc784\ub300\uc218\uc785\uc744 \ud65c\uc6a9\ud558\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4. \ub450 \uacbd\uc6b0 \ubaa8\ub450 \uac00\ub2a5\ud558\uc9c0\ub9cc, \ud544\uc694\ud55c \uc11c\ub958\uc640 \uacc4\uc0b0\ubc95\uc740 \ub2e4\ub985\ub2c8\ub2e4.<\/p>\n

\uc77c\ubc18\uc801\uc73c\ub85c \ub300\ucd9c\uae30\uad00\uc740 \uc784\ub300\uc218\uc785\uc758 100%\ub97c \uc18c\ub4dd\uc73c\ub85c \ub123\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uacf5\uc2e4, \uc218\ub9ac\ube44, \uad00\ub9ac\ube44, \uc784\ucc28\uc778 \uad50\uccb4 \ube44\uc6a9 \uac19\uc740 \ud604\uc2e4\uc801\uc778 \uc704\ud5d8\uc744 \uace0\ub824\ud574 \ud1b5\uc0c1 \uc2dc\uc7a5 \uc784\ub300\ub8cc \ub610\ub294 \uc2e4\uc81c \ub80c\ud2b8\uc758 \uc77c\uc815 \ube44\uc728\ub9cc \uc0ac\uc6a9\ud569\ub2c8\ub2e4. \ub9ce\uc740 \uacbd\uc6b0 75% \uc218\uc900\uc744 \uae30\uc900\uc73c\ub85c \ubcf4\uc9c0\ub9cc, \ud504\ub85c\uadf8\ub7a8\uacfc \uc2ec\uc0ac \uc870\uac74\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc608\ub97c \ub4e4\uc5b4 \uc0c8\ub85c \uad6c\ub9e4\ud560 \ucf58\ub3c4\uc758 \uc6d4 \uc2dc\uc7a5 \uc784\ub300\ub8cc\uac00 3,000\ub2ec\ub7ec\ub85c \uc0b0\uc815\ub418\uc5c8\ub2e4\uba74, \uc2ec\uc0ac\uc0c1 \uc778\uc815\ub418\ub294 \uc784\ub300\uc218\uc785\uc740 2,250\ub2ec\ub7ec\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uae08\uc561\uc5d0\uc11c \ud574\ub2f9 \uc8fc\ud0dd\uc758 \uc6d0\uae08, \uc774\uc790, \uc7ac\uc0b0\uc138, \ubcf4\ud5d8\ub8cc, HOA \ube44\uc6a9\uc744 \ucc28\uac10\ud574 \uc6d4 \ubd80\ucc44 \ubd80\ub2f4\uc744 \uacc4\uc0b0\ud569\ub2c8\ub2e4. \ub80c\ud2b8\uac00 \ubaa8\uae30\uc9c0 \ube44\uc6a9\ubcf4\ub2e4 \ub192\ub2e4\uace0 \ud574\uc11c \ubc18\ub4dc\uc2dc \uc2b9\uc778\uc774 \ub098\ub294 \uac83\uc740 \uc544\ub2c8\uba70, \uc804\uccb4 \ubd80\ucc44 \ub300\ube44 \uc18c\ub4dd \ube44\uc728\uacfc \ubcf8\uc778 \uc790\uc0b0\ub3c4 \uac19\uc774 \ubd05\ub2c8\ub2e4.<\/p>\n

\uae30\uc874 \ub80c\ud0c8 \uc8fc\ud0dd \uc218\uc785\uc740 \uc138\uae08\ubcf4\uace0\uac00 \ud575\uc2ec\uc785\ub2c8\ub2e4<\/h2>\n

\uc774\ubbf8 \ub80c\ud0c8 \uc8fc\ud0dd\uc744 \ubcf4\uc720\ud558\uace0 \uc788\ub2e4\uba74 \uc138\uae08\ubcf4\uace0\uc11c\uac00 \uac00\uc7a5 \uc911\uc694\ud55c \ucd9c\ubc1c\uc810\uc785\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc778 \ucee8\ubca4\uc154\ub110 \ub610\ub294 \uc815\ubd80 \ubcf4\uc99d \ubaa8\uae30\uc9c0\uc5d0\uc11c\ub294 \ucd5c\uadfc \uc138\uae08\ubcf4\uace0\uc11c\uc758 Schedule E\ub97c \ud1b5\ud574 \uc784\ub300\uc218\uc785\uacfc \ube44\uc6a9\uc744 \uac80\ud1a0\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc774 \uc11c\ub958\uc5d0\ub294 \ubc1b\uc740 \ub80c\ud2b8\ubfd0 \uc544\ub2c8\ub77c \uc7ac\uc0b0\uc138, \ubcf4\ud5d8, \uc218\ub9ac\ube44, \uad00\ub9ac\ube44, \uac10\uac00\uc0c1\uac01\ube44 \ub4f1\uc774 \ubc18\uc601\ub429\ub2c8\ub2e4.<\/p>\n

\uc5ec\uae30\uc11c \uc8fc\uc758\ud560 \uc810\uc740 \uc740\ud589 \uacc4\uc88c\uc5d0 \ub80c\ud2b8\uac00 \uafb8\uc900\ud788 \uc785\uae08\ub418\uc5c8\ub2e4\uace0 \ud574\ub3c4, \uc138\uae08\ubcf4\uace0\uc0c1 \uc21c\uc218\uc785\uc774 \ub0ae\uac70\ub098 \uc190\uc2e4\ub85c \ud45c\uc2dc\ub420 \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uac10\uac00\uc0c1\uac01\ube44\ub294 \uc2e4\uc81c \ud604\uae08 \uc9c0\ucd9c\uc774 \uc544\ub2cc \uacbd\uc6b0\uac00 \ub9ce\uc544 \uc2ec\uc0ac\uc5d0\uc11c \ub2e4\uc2dc \ub354\ud574\uc9c8 \uc218 \uc788\uc9c0\ub9cc, \ubaa8\ub4e0 \ube44\uc6a9\uc774 \uadf8\ub300\ub85c \uc870\uc815\ub418\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ubd80\ub3d9\uc0b0\ubcc4 \uc190\uc775 \uad6c\uc870\ub97c \uc815\ud655\ud788 \ubd84\uc11d\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\ud55c \ucc44\uc758 \ub80c\ud0c8 \uc8fc\ud0dd\uc5d0\uc11c \uc6d4 1,800\ub2ec\ub7ec\ub97c \ubc1b\ub354\ub77c\ub3c4 \ubaa8\uae30\uc9c0\uc640 \ube44\uc6a9\uc774 \ub192\uc73c\uba74 \ub300\ucd9c \uc2ec\uc0ac\uc5d0\uc11c\ub294 \ucd94\uac00 \uc18c\ub4dd\uc774 \uc544\ub2c8\ub77c \uc6d4 \ubd80\ucc44\ub85c \uacc4\uc0b0\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \uc138\uae08\ubcf4\uace0\uc0c1 \uc548\uc815\uc801\uc778 \uc784\ub300\uc218\uc785\uacfc \ucda9\ubd84\ud55c \ud604\uae08 \ud750\ub984\uc774 \ud655\uc778\ub418\uba74, \uc0c8 \ud22c\uc790 \ubd80\ub3d9\uc0b0 \uad6c\ub9e4\ub098 \ubcf8\uc778 \uac70\uc8fc \uc8fc\ud0dd \uad6c\ub9e4 \uc2dc\uc5d0\ub3c4 \uc790\uaca9 \uc694\uac74\uc744 \ubcf4\uc644\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n

\ub300\ucd9c \uc2e0\uccad \uc9c1\uc804\uc5d0 \uc138\uae08\ubcf4\uace0 \ubc29\uc2dd\uc744 \ubc14\uafb8\uac70\ub098 \ube44\uc6a9 \ucc98\ub9ac\ub97c \uae09\uaca9\ud788 \uc870\uc815\ud558\ub294 \uac83\uc740 \uc2e0\uc911\ud574\uc57c \ud569\ub2c8\ub2e4. \uc138\uae08 \uc808\uac10 \uc804\ub7b5\uacfc \ub300\ucd9c \uc790\uaca9\uc740 \ud56d\uc0c1 \uac19\uc740 \ubc29\ud5a5\uc73c\ub85c \uc6c0\uc9c1\uc774\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc138\uae08\uc0c1 \uc18c\ub4dd\uc744 \ucd5c\ub300\ud55c \ub0ae\ucd94\ub294 \uc804\ub7b5\uc774 \ud544\uc694\ud55c \uc2dc\uae30\uc640, \ubaa8\uae30\uc9c0 \uc790\uaca9\uc744 \uc704\ud574 \uc18c\ub4dd\uc744 \uc785\uc99d\ud574\uc57c \ud558\ub294 \uc2dc\uae30\uac00 \uacb9\uce5c\ub2e4\uba74 CPA\uc640 \ubaa8\uae30\uc9c0 \uc804\ubb38\uac00\uc758 \uc0ac\uc804 \uac80\ud1a0\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n

\uc0c8\ub85c \uc0b4 \ud22c\uc790\uc6a9 \uc8fc\ud0dd\uc758 \uc608\uc0c1 \ub80c\ud2b8\ub3c4 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4<\/h2>\n

\uc544\uc9c1 \uc784\ucc28\uc778\uc774 \uc5c6\ub294 \uc8fc\ud0dd\uc774\ub77c\ub3c4 \uc608\uc0c1 \uc784\ub300\uc218\uc785\uc744 \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \ud504\ub85c\uadf8\ub7a8\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub54c \uac00\uc7a5 \uc911\uc694\ud55c \uc790\ub8cc\ub294 \uac10\uc815\ud3c9\uac00\uc11c\uc5d0 \ud3ec\ud568\ub418\ub294 \uc2dc\uc7a5 \uc784\ub300\ub8cc \ubd84\uc11d\uc785\ub2c8\ub2e4. \uac10\uc815\ud3c9\uac00\uc0ac\ub294 \ud574\ub2f9 \uc9c0\uc5ed\uc758 \uc720\uc0ac \uc8fc\ud0dd \ub80c\ud2b8 \uc0ac\ub840\ub97c \ube44\uad50\ud574 \uc801\uc815 \uc2dc\uc7a5 \uc784\ub300\ub8cc\ub97c \uc0b0\uc815\ud558\uba70, \ub300\ucd9c\uae30\uad00\uc740 \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \uc778\uc815 \uac00\ub2a5 \uc784\ub300\uc218\uc785\uc744 \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/p>\n

\ub2e8\ub3c5\uc8fc\ud0dd, \ud0c0\uc6b4\ud648, \ucf58\ub3c4, 2-4\uc720\ub2db \uc8fc\ud0dd\uc740 \uc2dc\uc7a5 \uc784\ub300\ub8cc \uc0b0\uc815 \ubc29\uc2dd\uacfc \ube44\uad50 \uc0ac\ub840\uac00 \ub2e4\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\uc815 \uc9c0\uc5ed\uc5d0\uc11c \ub2e8\uae30 \uc784\ub300 \uc218\uc775\uc774 \ub192\ub354\ub77c\ub3c4, \uc77c\ubc18 \uc7a5\uae30 \uc784\ub300 \uae30\uc900\uc73c\ub85c\ub9cc \ud3c9\uac00\ud558\ub294 \ub300\ucd9c\uae30\uad00\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc5d0\uc5b4\ube44\uc564\ube44\ub098 \ud734\uac00\uc6a9 \ub80c\ud0c8\uc758 \ub192\uc740 \uc131\uc218\uae30 \uc218\uc785\ub9cc\uc744 \uadfc\uac70\ub85c \uc77c\ubc18 \ubaa8\uae30\uc9c0 \uc2b9\uc778\uc744 \uae30\ub300\ud558\ub294 \uac83\uc740 \uc704\ud5d8\ud569\ub2c8\ub2e4.<\/p>\n

\uad6c\ub9e4 \uacc4\uc57d \uc804\uc5d0\ub294 \ubd80\ub3d9\uc0b0 \uc5d0\uc774\uc804\ud2b8\uac00 \uc81c\uc2dc\ud55c \uc608\uc0c1 \ub80c\ud2b8\uc640 \ub300\ucd9c \uc2ec\uc0ac\uc0c1 \uc778\uc815 \ub80c\ud2b8\ub97c \uad6c\ubd84\ud574\uc57c \ud569\ub2c8\ub2e4. \ud22c\uc790 \ubd84\uc11d\ud45c\uc5d0 \uc801\ud78c \uc608\uc0c1 \uc6d4\uc138\ub294 \uc2dc\uc7a5 \uc0c1\ud669\uc5d0 \ub530\ub77c \ub099\uad00\uc801\uc73c\ub85c \uc124\uc815\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74 \uac10\uc815\ud3c9\uac00\uc758 \uc784\ub300\ub8cc\ub294 \ube44\uad50 \uac00\ub2a5\ud55c \uc2e4\uc81c \uc0ac\ub840\uc640 \ub300\ucd9c\uae30\uad00\uc758 \uae30\uc900\uc744 \ubc18\uc601\ud569\ub2c8\ub2e4. \ub458 \uc0ac\uc774\uc5d0 \ucc28\uc774\uac00 \ub098\uba74 \ud544\uc694\ud55c \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub098 \ub300\ucd9c \uac00\ub2a5 \uae08\uc561\ub3c4 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

DSCR \ub300\ucd9c\uc740 \ub80c\ud2b8\uc218\uc785 \uc911\uc2ec\uc73c\ub85c \ud310\ub2e8\ud569\ub2c8\ub2e4<\/h2>\n

DSCR \ub300\ucd9c\uc740 \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0\uc758 \uc784\ub300\uc218\uc785\uacfc \uc6d4 \uc8fc\ud0dd \ube44\uc6a9\uc758 \uad00\uacc4\ub97c \uc911\uc2ec\uc73c\ub85c \uc2ec\uc0ac\ud558\ub294 \ub300\ud45c\uc801\uc778 \ud504\ub85c\uadf8\ub7a8\uc785\ub2c8\ub2e4. DSCR\uc740 Debt Service Coverage Ratio\uc758 \uc57d\uc790\ub85c, \ubd80\ub3d9\uc0b0\uc774 \ubc1c\uc0dd\uc2dc\ud0a4\ub294 \uc784\ub300\uc218\uc785\uc774 \uc6d4 \ubaa8\uae30\uc9c0 \ube44\uc6a9\uc744 \uc5bc\ub9c8\ub098 \ucee4\ubc84\ud558\ub294\uc9c0 \ubcf4\ub294 \uc9c0\ud45c\uc785\ub2c8\ub2e4. \uac1c\uc778 W-2 \uc18c\ub4dd\uc774\ub098 \uc138\uae08\ubcf4\uace0 \uc18c\ub4dd\uc774 \ucda9\ubd84\ud558\uc9c0 \uc54a\uc740 \ud22c\uc790\uc790\uc5d0\uac8c \uc2e4\uc9c8\uc801\uc778 \uc120\ud0dd\uc9c0\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc608\ub97c \ub4e4\uc5b4 \uc778\uc815 \ub80c\ud2b8\uac00 \uc6d4 4,000\ub2ec\ub7ec\uc774\uace0 \uc6d0\uae08, \uc774\uc790, \uc7ac\uc0b0\uc138, \ubcf4\ud5d8, HOA\ub97c \ud569\ud55c \uc6d4 \ube44\uc6a9\uc774 3,500\ub2ec\ub7ec\ub77c\uba74 DSCR\uc740 \uc57d 1.14\uac00 \ub429\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \ube44\uc728\uc774 \ub192\uc744\uc218\ub85d \ud604\uae08 \ud750\ub984\uc774 \uc88b\ub2e4\uace0 \ud310\ub2e8\ud569\ub2c8\ub2e4. \ub2e4\ub9cc \uc77c\ubd80 \ud504\ub85c\uadf8\ub7a8\uc740 1.00 \ubbf8\ub9cc\uc758 \ube44\uc728\ub3c4 \uac80\ud1a0\ud560 \uc218 \uc788\uc73c\uba70, \uc774 \uacbd\uc6b0 \ub354 \ub192\uc740 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8, \ub354 \uc88b\uc740 \uc2e0\uc6a9\uc810\uc218, \ub354 \ub9ce\uc740 \uc900\ube44\uc790\uae08 \ub610\ub294 \uc870\uc815\ub41c \uae08\ub9ac\uac00 \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

DSCR \ub300\ucd9c\uc740 \uc18c\ub4dd\uc11c\ub958 \ubd80\ub2f4\uc744 \uc904\uc77c \uc218 \uc788\uc9c0\ub9cc, \uc18c\ub4dd\uc744 \uc804\ud600 \ubcf4\uc9c0 \uc54a\ub294\ub2e4\ub294 \ub73b\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub300\ucd9c\uae30\uad00\uc740 \uc2e0\uc6a9, \ud22c\uc790 \uacbd\ud5d8, \ubd80\ub3d9\uc0b0 \uc720\ud615, \ub9ac\uc800\ube0c \uc790\uae08, \uac10\uc815\ud3c9\uac00\uc0c1 \ub80c\ud2b8, \uc18c\uc720 \uad6c\uc870\ub97c \uac80\ud1a0\ud569\ub2c8\ub2e4. \ub610\ud55c \uc77c\ubc18 \ubcf8\uc778 \uac70\uc8fc\uc6a9 \ubaa8\uae30\uc9c0\uc640 \ube44\uad50\ud574 \uae08\ub9ac\uc640 \ube44\uc6a9\uc774 \ub192\uc744 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc6d4 \ud604\uae08 \ud750\ub984\uacfc \uc7a5\uae30 \ubcf4\uc720 \uc804\ub7b5\uc744 \ud568\uaed8 \uacc4\uc0b0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc790\uc601\uc5c5\uc790\ub098 \ud504\ub9ac\ub79c\uc11c\ucc98\ub7fc \uc138\uae08\ubcf4\uace0\uc0c1 \uacfc\uc138\uc18c\ub4dd\uc774 \ub0ae\uc740 \ud22c\uc790\uc790\uc5d0\uac8c DSCR\uc740 \uc720\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74 \ubcf8\uc778 \uac70\uc8fc \uc8fc\ud0dd\uc744 \uad6c\ub9e4\ud558\ub824\ub294 \uacbd\uc6b0\uc5d0\ub294 \uc0ac\uc6a9\ud560 \uc218 \uc5c6\uc73c\uba70, \uc8fc\ud0dd\uc744 \uc2e4\uc81c\ub85c \ud22c\uc790\uc6a9\uc73c\ub85c \uc6b4\uc601\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2e4\uc81c \uac70\uc8fc \ubaa9\uc801\uc744 \ud22c\uc790\uc6a9\uc73c\ub85c \uc2e0\uccad\ud558\ub294 \uac83\uc740 \ud5c8\uc6a9\ub418\uc9c0 \uc54a\uc73c\uba70, \ud5a5\ud6c4 \ub300\ucd9c \uc870\uac74\uacfc \ubc95\uc801 \ubb38\uc81c\ub97c \ub9cc\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ub80c\ud2b8\uc218\uc785 \ubc18\uc601 \ub300\ucd9c \uac00\ub2a5\ud560\uae4c, \uc2e0\uc6a9\uacfc \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub3c4 \ubd10\uc57c \ud569\ub2c8\ub2e4<\/h2>\n

\ub80c\ud2b8\uc218\uc785\uc774 \ucda9\ubd84\ud574 \ubcf4\uc5ec\ub3c4 \uc2e0\uc6a9\uc810\uc218\uc640 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uac00 \uc57d\ud558\uba74 \uc870\uac74\uc774 \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \ud22c\uc790\uc6a9 \uc8fc\ud0dd\uc740 \ubcf8\uc778 \uac70\uc8fc \uc8fc\ud0dd\ubcf4\ub2e4 \ub300\ucd9c\uae30\uad00\uc774 \ub354 \ud070 \uc704\ud5d8\uc744 \ubcf4\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc784\ub300\uc218\uc785\uc740 \uacf5\uc2e4\uc774\ub098 \uc784\ucc28\uc778 \ubb38\uc81c\ub85c \ubcc0\ub3d9\ub420 \uc218 \uc788\uace0, \uacbd\uae30 \ubcc0\ud654\uc5d0 \ub530\ub77c \ub80c\ud2b8 \uc218\uc900\ub3c4 \ub0b4\ub824\uac08 \uc218 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<\/p>\n

\uc2e0\uc6a9\uc810\uc218\uac00 \ub192\uace0 \ubd80\ucc44 \uad00\ub9ac \uc774\ub825\uc774 \uc548\uc815\uc801\uc774\uba74 \ub354 \ub113\uc740 \ud504\ub85c\uadf8\ub7a8\uc744 \uac80\ud1a0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \ucd5c\uadfc \uc5f0\uccb4, \ub192\uc740 \uc2e0\uc6a9\uce74\ub4dc \uc794\uc561, \uc5ec\ub7ec \uac74\uc758 \uc2e0\uaddc \ubd80\ucc44\uac00 \uc788\ub2e4\uba74 \ub80c\ud2b8\uc218\uc785\uc774 \uc788\ub354\ub77c\ub3c4 \uc2b9\uc778 \uae08\uc561\uc774 \uc904\uac70\ub098 \uae08\ub9ac\uac00 \uc62c\ub77c\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc790\ub3d9\ucc28 \ub9ac\uc2a4, \ud559\uc790\uae08, \uac1c\uc778 \ub300\ucd9c, \uc0ac\uc5c5\uccb4 \ubcf4\uc99d \ucc44\ubb34\ub3c4 \ud568\uaed8 \uc810\uac80\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\ub294 \ub2e8\uc21c\ud788 \uad6c\ub9e4 \uac00\uaca9\uc758 \uc77c\ubd80\ub97c \ub0b4\ub294 \ubb38\uc81c\uac00 \uc544\ub2d9\ub2c8\ub2e4. \ub354 \ub9ce\uc740 \uc790\uae30\uc790\ubcf8\uc744 \ud22c\uc785\ud558\uba74 \uc6d4 \ub300\ucd9c\uae08\uc774 \ub0ae\uc544\uc838 DSCR\uc774\ub098 \ubd80\ucc44 \ub300\ube44 \uc18c\ub4dd \ube44\uc728\uc774 \uac1c\uc120\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \ubaa8\ub4e0 \ud604\uae08\uc744 \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc5d0 \uc4f0\ub294 \uc804\ub7b5\uc774 \ucd5c\uc120\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ub300\ucd9c \ud6c4\uc5d0\ub3c4 \uacf5\uc2e4, \uc218\ub9ac, \uc7ac\uc0b0\uc138, \ubcf4\ud5d8\ub8cc \uc778\uc0c1\uc5d0 \ub300\ube44\ud560 \ud604\uae08 \ub9ac\uc800\ube0c\uac00 \ub0a8\uc544 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc678\uad6d \uad6d\uc801\uc790\uc640 \ube44\uac70\uc8fc\uc790\ub3c4 \ud22c\uc790\uc6a9 \ub300\ucd9c\uc744 \uac80\ud1a0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4<\/h2>\n

\ubbf8\uad6d \uc601\uc8fc\uad8c\uc790\ub098 \uc2dc\ubbfc\uad8c\uc790\uac00 \uc544\ub2c8\uc5b4\ub3c4 \ubbf8\uad6d \ud22c\uc790\uc6a9 \ubd80\ub3d9\uc0b0 \ub300\ucd9c\uc744 \uac80\ud1a0\ud560 \uc218 \uc788\ub294 \uacbd\uc6b0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc678\uad6d \uad6d\uc801\uc790 \ub610\ub294 \ube44\uac70\uc8fc\uc790 \ud504\ub85c\uadf8\ub7a8\uc740 \uc77c\ubc18 \ubaa8\uae30\uc9c0\uc640 \ub2e4\ub978 \uc11c\ub958 \uae30\uc900\uc744 \uc801\uc6a9\ud560 \uc218 \uc788\uc73c\uba70, \ubbf8\uad6d \ub0b4 W-2 \uc18c\ub4dd\uc774\ub098 \uae34 \uc2e0\uc6a9 \uc774\ub825\uc774 \uc5c6\ub294 \uace0\uac1d\uc5d0\uac8c\ub3c4 \uac00\ub2a5\uc131\uc744 \uc5f4\uc5b4 \ub461\ub2c8\ub2e4.<\/p>\n

\uc774 \uacbd\uc6b0 \ub80c\ud2b8\uc218\uc785\uc740 \ub354\uc6b1 \uc911\uc694\ud55c \ud310\ub2e8 \uc694\uc18c\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \uc5ec\uad8c, \ube44\uc790 \ub610\ub294 \uac70\uc8fc \uad00\ub828 \uc11c\ub958, \ud574\uc678 \uc740\ud589 \uc794\uace0 \uc99d\uba85, \uc790\uae08 \ucd9c\ucc98, \ubbf8\uad6d \ub0b4 \ubd80\ub3d9\uc0b0 \uad00\ub9ac \uacc4\ud68d \ub4f1\uc744 \uc694\uad6c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uad6d\uac00\ubcc4 \uc790\uae08 \uc1a1\uae08 \uaddc\uc815\uacfc \ud658\uc728 \ubcc0\ub3d9\ub3c4 \uc2e4\uc81c \uad6c\ub9e4 \uc77c\uc815\uc5d0 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\uc73c\ubbc0\ub85c, \uc790\uae08 \uc774\ub3d9 \uacc4\ud68d\uc740 \uacc4\uc57d \uc804\uc5d0 \uc815\ub9ac\ud558\ub294 \ud3b8\uc774 \uc548\uc804\ud569\ub2c8\ub2e4.<\/p>\n

\ud574\uc678 \uc18c\ub4dd\uc744 \ubcf4\uc720\ud55c \uace0\uac1d\uc740 \ubbf8\uad6d \uc138\uae08\ubcf4\uace0\uc11c\uac00 \uc5c6\ub2e4\ub294 \uc774\uc720\ub9cc\uc73c\ub85c \ubc14\ub85c \ubd88\uac00\ub2a5\ud558\ub2e4\uace0 \ud310\ub2e8\ud560 \ud544\uc694\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. \ubc18\ub300\ub85c \ud574\uc678 \uc790\uc0b0\uc774 \ub9ce\uc544\ub3c4 \ubbf8\uad6d \ub300\ucd9c \uc2ec\uc0ac\uc5d0\uc11c \uc778\uc815\ub418\ub294 \ubc29\uc2dd\uacfc \uae30\uac04\uc774 \uc815\ud574\uc838 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5b4\ub5a4 \ud504\ub85c\uadf8\ub7a8\uc774 \ubcf8\uc778\uc758 \uc2e0\ubd84, \uc790\uc0b0, \uc784\ub300 \uacc4\ud68d\uacfc \ub9de\ub294\uc9c0 \uba3c\uc800 \ube44\uad50\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

\uc2b9\uc778 \uac00\ub2a5\uc131\uc744 \ub192\uc774\ub294 \uc11c\ub958 \uc900\ube44 \uc21c\uc11c<\/h2>\n

\ub80c\ud2b8\uc218\uc785\uc744 \ubc18\uc601\ud558\ub824\uba74 \ubd80\ub3d9\uc0b0 \uad00\ub828 \uc11c\ub958\uc640 \ubcf8\uc778 \uc7ac\uc815 \uc11c\ub958\uac00 \uc11c\ub85c \ub9de\uc544\uc57c \ud569\ub2c8\ub2e4. \uae30\uc874 \ub80c\ud0c8 \uc8fc\ud0dd\uc740 \ucd5c\uadfc \uc784\ub300\ucc28 \uacc4\uc57d\uc11c, \ub80c\ud2b8 \uc785\uae08 \ub0b4\uc5ed, \ubaa8\uae30\uc9c0 \uba85\uc138\uc11c, \uc7ac\uc0b0\uc138\uc640 \ubcf4\ud5d8 \uc815\ubcf4, \ucd5c\uadfc \uc138\uae08\ubcf4\uace0\uc11c\ub97c \uc6b0\uc120 \uc900\ube44\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uacc4\uc57d\uc11c\uc0c1 \ub80c\ud2b8\uc640 \uc740\ud589 \uc785\uae08\uc561\uc774 \uacc4\uc18d \ub2e4\ub974\uba74 \uadf8 \uc0ac\uc720\ub97c \uc124\uba85\ud574\uc57c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc0c8 \ud22c\uc790\uc6a9 \uc8fc\ud0dd\uc740 \ub9e4\ub9e4\uacc4\uc57d\uc11c, \uc608\uc0c1 \ub80c\ud2b8 \uc790\ub8cc, HOA \uaddc\uc815, \ubcf4\ud5d8\ub8cc \ucd94\uc815\uce58, \uc7ac\uc0b0\uc138 \uc815\ubcf4\uac00 \uc911\uc694\ud569\ub2c8\ub2e4. \ucf58\ub3c4\ub098 \ucee4\ubba4\ub2c8\ud2f0\uc5d0 \uc784\ub300 \uc81c\ud55c\uc774 \uc788\ub294\uc9c0\ub3c4 \ubc18\ub4dc\uc2dc \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \ub80c\ud2b8\ub97c \uae30\uc900\uc73c\ub85c \uc218\uc775\uc131\uc744 \uacc4\uc0b0\ud588\ub294\ub370 HOA\uac00 \uc7a5\uae30 \uc784\ub300 \ub610\ub294 \ub2e8\uae30 \uc784\ub300\ub97c \uc81c\ud55c\ud558\uba74, \ub300\ucd9c \uc2b9\uc778 \uc774\ud6c4\uc5d0\ub3c4 \ud22c\uc790 \uacc4\ud68d \uc790\uccb4\uac00 \ud754\ub4e4\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc790\uae08 \ucd9c\ucc98\ub3c4 \ubbf8\ub9ac \uc815\ub9ac\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e4\uc6b4\ud398\uc774\uba3c\ud2b8\uc640 \ud074\ub85c\uc9d5 \ube44\uc6a9\uc774 \uc5ec\ub7ec \uacc4\uc88c\uc5d0 \ud769\uc5b4\uc838 \uc788\uac70\ub098, \ud070 \uae08\uc561\uc774 \uac11\uc790\uae30 \uc785\uae08\ub418\uc5c8\ub2e4\uba74 \ucd94\uac00 \uc124\uba85\uacfc \uc11c\ub958\uac00 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac00\uc871 \uc99d\uc5ec, \ud574\uc678 \uc1a1\uae08, \uc0ac\uc5c5\uccb4 \uacc4\uc88c \uc790\uae08\uc740 \uac01\uac01 \ud655\uc778 \uc808\ucc28\uac00 \ub2e4\ub97c \uc218 \uc788\uc73c\ubbc0\ub85c, \uacc4\uc57d \ud6c4 \uae09\ud558\uac8c \uc900\ube44\ud558\uae30\ubcf4\ub2e4 \uc0ac\uc804 \uc2b9\uc778\uc744 \ubc1b\uc744 \ub54c\ubd80\ud130 \ud22c\uba85\ud558\uac8c \uc81c\uc2dc\ud558\ub294 \ud3b8\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc22b\uc790\ub9cc \ubcf4\uc9c0 \ub9d0\uace0 \uacf5\uc2e4 \uc2dc\ub098\ub9ac\uc624\ub97c \uacc4\uc0b0\ud574\uc57c \ud569\ub2c8\ub2e4<\/h2>\n

\uc88b\uc740 \ud22c\uc790\uc6a9 \ub300\ucd9c\uc740 \uc2b9\uc778\ub9cc \ubc1b\ub294 \ub300\ucd9c\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ub80c\ud2b8\uac00 \ud55c\ub450 \ub2ec \ube44\uc5b4\ub3c4 \ubaa8\uae30\uc9c0\ub97c \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uad6c\uc870\uc778\uc9c0 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4. \ud2b9\ud788 \ucc98\uc74c \ud22c\uc790\ud558\ub294 \uace0\uac1d\uc740 \ucd5c\ub300 \ub300\ucd9c \uac00\ub2a5 \uae08\uc561\ubcf4\ub2e4, \uc608\uc0c1\uce58 \ubabb\ud55c \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud588\uc744 \ub54c\ub3c4 \uc720\uc9c0\ud560 \uc218 \uc788\ub294 \uc6d4 \ubd80\ub2f4\uc744 \uae30\uc900\uc73c\ub85c \uad6c\ub9e4 \uac00\uaca9\uc744 \uc815\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud569\ub2c8\ub2e4.<\/p>\n

\ubcf4\ud5d8\ub8cc\uc640 \uc7ac\uc0b0\uc138\ub294 \uad6c\ub9e4 \ud6c4\uc5d0\ub3c4 \ubcc0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\ubd80 \uc9c0\uc5ed\uc740 \uc7ac\uc0b0\uc138 \uc7ac\ud3c9\uac00 \ud3ed\uc774 \ud06c\uace0, \uc790\uc5f0\uc7ac\ud574 \uc704\ud5d8\uc774 \uc788\ub294 \uc9c0\uc5ed\uc740 \ubcf4\ud5d8\ub8cc\uac00 \ud06c\uac8c \uc624\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4. HOA \ud2b9\ubcc4 \ubd84\ub2f4\uae08, \uc9c0\ubd95\uc774\ub098 HVAC \uad50\uccb4, \uc784\ucc28\uc778 \ud1f4\uac70 \ud6c4 \uc218\ub9ac \ube44\uc6a9\ub3c4 \ud604\uc2e4\uc801\uc778 \ud22c\uc790 \ube44\uc6a9\uc785\ub2c8\ub2e4. \uac10\uc815\ud3c9\uac00\uc0c1 \ub80c\ud2b8\uac00 \ubaa8\uae30\uc9c0 \ube44\uc6a9\uc744 \uaca8\uc6b0 \ub118\ub294 \uad6c\uc870\ub77c\uba74, \uc791\uc740 \ubcc0\uc218\uc5d0\ub3c4 \ud604\uae08 \ud750\ub984\uc774 \ub9c8\uc774\ub108\uc2a4\ub85c \ubc14\ub014 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

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URI Financial\uc740 \uace0\uac1d\uc758 \uc18c\ub4dd \ubb38\uc11c, \uac70\uc8fc \uc2e0\ubd84, \ud22c\uc790 \ubaa9\uc801, \ubcf4\uc720 \ubd80\ub3d9\uc0b0\uc744 \uae30\uc900\uc73c\ub85c \uac00\ub2a5\ud55c \ub300\ucd9c \uad6c\uc870\ub97c \ube44\uad50\ud574 \ub4dc\ub9bd\ub2c8\ub2e4. \uc0ac\uc804 \uc2b9\uc778 \ub2e8\uacc4\uc5d0\uc11c \uc778\uc815 \uac00\ub2a5\ud55c \ub80c\ud2b8\uc640 \ud544\uc694 \uc790\uae08\uc744 \uba3c\uc800 \ud655\uc778\ud558\uba74, \ud611\uc0c1 \uac00\ub2a5\ud55c \ub9e4\ubb3c\uc744 \ub354 \uba85\ud655\ud558\uac8c \uc120\ubcc4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

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