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Commercial & Mixed Loans
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Commercial Mortgage Loans, Business Lending Criteria And Mixed-Use Property Deals
This department covers information specific to commercial property mortgage loans and mixed-use properties. Business people are a unique breed, but they can also be a lucrative new profit center with the right mortgage training. If you've never done a commercial loan before, you may want to give it some consideration as these type of deals are usually large often in the million dollar range. And a small cut of a big loan equals a very nice payday.
RESOURCES IN THIS DEPARTMENT:
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Commercial Mortgage Underwriting Through The Eyes Of The Underwriter
Getting a borrower to approach you with a commercial mortgage loan scenario is only the 1st step in the commercial mortgage loan process. Upon your first analysis of the scenario, there are a great many combined factors that will determine if it will ever fund or close. The best borrower and the best property means nothing if due to some error, a careless mistake or a poorly put together loan package there is no closing. Equally, if not more so than residential financing, the commercial mortgage business is extremely relationship driven, particularly when talking about lenders. . . . >>> READ MORE
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Due Diligence Checklist On Rental Property
What is "due diligence?" Simply put, it is investigating the details of a potential investment, so you know what the real numbers are and what you are getting into. You'll often start this process before you even make an offer, but your offer will normally have provisions allowing for you to review (and approve) certain documents and have certain inspections done before you close on the property. . . . >>> READ MORE
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How To Start With Commercial Properties
In my commercial newsgroup and at seminars, people often ask me, "How I start my career dealing from small to larger properties?" The inquiry is frequently followed by a recital of how the depositor has tried and failed to acquire a bigger property or is uncertain of the steps needed to acquire larger revenue properties. . . . >>> READ MORE
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Commercial Mortgage Strategies Every Business Owner Should Know
We were recently asked what we consider to be the most important qualities to look for in commercial mortgages. The person asking for this assessment recognized as we do that a commercial real estate borrower usually can't have it all: if you can't find all of the commercial mortgage qualities that are important in a particular commercial mortgage, then which qualities should be viewed as the most critical? . . . >>> READ MORE
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Understanding A Commercial Mortgage
In many ways a commercial mortgage is just like a residential mortgage in that you pledge real property as collateral against a loan to either buy or refinance that property. You can also receive a commercial re-mortgage and use it as a line of credit for any business purpose. . . . >>> READ MORE
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A Brief Commercial Mortgage Guide
Commercial mortgage loans are used when purchasing structures such as office buildings, apartment complexes, health care facilities and retail outlets. Whether it's a hi-rise tower or a family-owned restaurant, buyers typically need additional funding to complete the transaction. Commercial mortgages are what they pursue. . . . >>> READ MORE
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The Two Worst Things That Could Happen With A Commercial Loan
It is important to have an understanding of what can go wrong with a business loan. The focus of this article is on two situations that will have the most severe financial consequences. A loan disapproval at an early point in the application process is not included here because it is not likely to have the immediate financial consequences of the examples provided below. . . . >>> READ MORE
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The Top 12 Commercial Mortgage Loan Problems To Avoid
This article describes 12 recurring commercial mortgage problems that commercial borrowers and their advisors need to anticipate before it is too late. The following problems are common in traditional bank commercial real estate loans and should be avoided if feasible (special circumstances will periodically make some of these terms unavoidable). . . . >>> READ MORE
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Maximizing Your Commercial Real Estate Financing
Locating financing for every commercial project is not always an easy feat. Many items can affect the acceptance of a loan, how much is loaned, and under what specific terms the loan is given. As a commercial real estate insider, it is important to always be completely prepared when approaching a lender, whether it is a commercial bank, savings and loan company, or a private investor. . . . >>> READ MORE
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Why Commercial Real Estate?
Every day I am approached by people in residential real estate, by people in different professions such as medicine and law, and others who are not too informed on commercial real estate and what it is really about. . . . >>> READ MORE
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How To Build Your Commercial Real Estate Contact List
In commercial real estate, the quality of contacts and relationships you make is essential to your success. A good portion of this business relies on how you interact with brokers, buyer, sellers, engineers and city municipalities. In order to build a solid contact list that is sure to pull you through any situation, there are some key actions you must make with every person you come in contact with. . . . >>> READ MORE
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How Do You Become A Commercial Real Estate Insider?
Becoming a real estate insider in your specific area of interest is the ultimate position you can achieve in your community. As a real estate insider, you will know the best investments, be able to take advantage of local trends, avoid pitfalls where land values are decreasing, and present yourself as an expert to the people who matter in your business and community. . . . >>> READ MORE
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How To Become A Commercial Real Estate Negotiation Expert
In commercial real estate you are constantly going to be using negotiation skills. Your negotiations skills will be put to use, not only in the process of creating an offer and working to get it accepted, but also with your contacts, brokers, buyers, sellers, engineers, and lenders. In any situation where there are more than two interests, you can rest assured that negotiations must take place in order to satisfy everyone's goals. . . . >>> READ MORE
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Understanding Leverage In Commercial Real Estate
Commercial real estate has many tools that can be used to maximize one's return on investment (ROI). Among the many tools to choose from, leverage is one of the most effective ways to limit (or omit) the amount of personal money you put in a deal, and see the highest return possible. . . . >>> READ MORE
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Fine Tune Your Commercial Real Estate Crystal Ball
Don't you wish you had a crystal ball that showed you what is to come in the future? A simple wave over the crystal ball, the mutter of a magic word, and your entire future is there, revealed in front of you. Now that you know what is to come, you can prepare and move accordingly so you can be ready for what the now identified future holds. . . . >>> READ MORE
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Learn The Three Ratios That Are Used To Determine Commercial Lending
Getting money for your commercial project can be quite a challenge if you do not know how to analyze and present the property properly to a commercial real estate lender. Before presenting your property to a potential lender it is important to determine the most probable ratios that the lender is going to use in making a decision to lend you the money. . . . >>> READ MORE
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Commercial Property Subordination Strategies
There are many strategies in which to purchase commercial property. You can borrow money with a first mortgage, use a private investor's money, use your personal money, or use seller financing. Seller financing is also known as subordination. . . . >>> READ MORE
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Sharpening The Saw: How To Keep Improving Your Commercial Real Estate Empire
A real estate insider is only as good as his or her information, and this information must be up to date, accurate and relevant to the business of interest. The business of interest could be a certain type of property, such as apartments or raw land, a certain area, such as a specific city or state, or even specific types of deals, such as distressed properties that are offered well below market rate. . . . >>> READ MORE
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