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Atricle Dump - Loan Philosophy: The Difference Between Lenders and Investors
When deciding or choosing what life insurance is best for you, you can avoid feeling pressured into a policy by searching for a term life insurance quote online. The service is terrific and it can be a fast turnaround because you control how fast or slow the process can be. Getting a term life insurance quote online is as simple as the click
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A common scenario is a refinance or a purchase where the investor comes to me with something like: "Man, this is the BEST property in the area, it's worth $5 Million Dollars, and I'm buying it for $3 Million! I need a 90% loan and I need it NOW!" OK ... so I've exaggerated just a bit. In reality the value of the property will probably be accurate for the market, but I'll still get the request for the high loan to value.
Until recently, I probably couldn't have gotten a 90% loan on a commercial property except in the limited case of a Small Business Administration guaranteed acquisition loan. First, because no one offered a 90% loan on commercial property and second, because the property most likely wouldn't have supported the debt service.
The big change in that scenario has been the advent of the "small balance commercial lender" in the last couple of years. They blend commercial and residential underwriting methods to get higher LTVs. I'll save an article on this kind of lender for later because I want to foc
One of the fastest ways to propel your business to the next level is to nurture and enhance your relationship with your existing customers. Satisfied customers are still the #1 best way of advertising. Studies show that it costs as much as five times more to win a new customer than to keep a current customer. Unfortunately, many business o
Until recently, I probably couldn't have gotten a 90% loan on a commercial property except in the limited case of a Small Business Administration guaranteed acquisition loan. First, because no one offered a 90% loan on commercial property and second, because the property most likely wouldn't have supported the debt service.
The big change in that scenario has been the advent of the "small balance commercial lender" in the last couple of years. They blend commercial and residential underwriting methods to get higher LTVs. I'll save an article on this kind of lender for later because I want to fo
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Until recently, I probably couldn't have gotten a 90% loan on a commercial property except in the limited case of a Small Business Administration guaranteed acquisition loan. First, because no one offered a 90% loan on commercial property and second, because the property most likely wouldn't have supported the debt service.
The big change in that scenario has been the advent of the "small balance commercial lender" in the last couple of years. They blend commercial and residential underwriting methods to get higher LTVs. I'll save an article on this kind of lender for later because I want to fo
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The big change in that scenario has been the advent of the "small balance commercial lender" in the last couple of years. They blend commercial and residential underwriting methods to get higher LTVs. I'll save an article on this kind of lender for later because I want to fo
The difficulty that most people experience when it comes to Starting a home based business stems from one fact: they don't have money to invest or they don't want to invest any money at all. The internet has become a "money tree" for anyone who really wants to make a living online. There are some home based business models, anyo
An investor is concerned with maximizing the return on his equity. Whether through leverage, adding value by making improvements, or adding value through improving a property's cash flow, the goal is to make as much money on the equity investment as possible. The return he receives is commensurate with the risk he takes with his equity investment
A lender is concerned with something entirely different: Getting paid back! A lender approaches a loan as an "investment," as well. In fact, in the loan business we often call our lenders "investors." But these investors approach their investment from the standpoint of managing their risk in return for an acceptable rate of return: The note rate on the loan. The property that the investor views as a growing asse
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