Commecial Real Estate Lending Update - 02/24/09 03:09 PM
Today I came across an article on MSNBC that Commercial Real Estate Activity Continuing to Decline, I don’t necessarily agree with this.  And here is why businesses still need to grow and receive money.  While it is true that many lenders have closed their Commercial mortgage books for the time being, many have decided to take advantage of the down turn and pick up solid assets that they normally could not get. The downturn that many are seeing are from banks that have residential components to them.  Many lenders in the Commercial Mortgage, business have never lent residentially and still have … (0 comments)

Commercial real estate's Lending crisis point approaching? - 02/19/09 12:03 PM
Here is an interesting article in the San Diego newspaper on the credit Crunch and how it is effecting the Commercial Loans.  It is my experince that local banks are not lending.  And most banks that have a residential componet to them are also not lending.  However there are many commercial only banks that are lending on solid deals.  They were always conservative.  For the most part Commercial lenders over the years have not taken many risks, except for the Interbays and the Silver Hill's of the world.  $171 billion in loans coming due this year By Mike Freeman UNION-TRIBUNE STAFF WRITER 2:00 a.m. … (3 comments)

Multi Family Commercial Real Estate Investing - 02/17/09 12:44 PM

for more information feel free to call or visit www.in-visionloans.com  
We have Money to lend!!! We are in all 50 States and provide Great Service, are Honest and Show Professionalism.
The above information regarding Commercial Lending was provided by Christopher Hills, the Senior Vice President for In-Vision Financial Holdings, LLC. Chris can be reached via email at chris.hills@in-visionfinacial.com or by phone at 508-377-5872 x 704.
I am dedicated to helping you find the right financial solution for the purchase or refinance of your next commercial project
For Commercial lending nationwide see  In-Vision Financial Holdings

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How to Write a Commercial Loan Executive Summary - 02/17/09 06:45 AM
When I am reviewing a loan file one of the first things I look at and look for is the executive summary or loan summary.  A well written executive summary shows the quality of the borrower and the value of the project. The goal of well written loan summary is to give the underwriter enough information to understand the commercial loan and to determine if the loan will fit within the lender's lending guidelines. Below are items that should be included in a well written and complete executive summary.
Salient Facts

 Lenders want to know the details of the commercial real estate loan. Property … (1 comments)

Multifamily and Commercial Loan Originations Plunge 80 Percent - 02/16/09 02:15 PM
Commercial and multifamily mortgage loan originations were no exception to the falling trend seen in single-family home originations over the past year. Fourth-quarter 2008 originations for commercial and multifamily mortgages were a whopping 80 percent lower than the same period the prior year, according to a quarterly survey released Tuesday by the Mortgage Bankers Association . And that year-over-year decrease was seen across all property types and investor groups. Read More here I find it amazing that this is happening.  Our company is up 50 percent year over year. We have multiply lending relationships, that are still lending in this environement.  With terms … (0 comments)

FHA Temporarily Relaxes Multifamily Insurance Rule - 02/15/09 03:31 PM
To make it easier for owners of apartment properties to secure financing, the Federal Housing Administration has temporarily relaxed one of its rules for insuring multifamily mortgages. Normally the agency, part of the Department of Housing and Urban Development, will not insure a loan to buy or refinance a multifamily property if it was built or substantially rehabilitated in the last three months. But now the FHA will waive this restriction for at least six months. For an FHA insurance application to be eligible under the waiver, the building must have a certificate of occupancy dated no later than July 31, … (0 comments)

Commercial Real Estate: Deloitte Release 2009 Industry outlook - 02/14/09 09:48 AM
Following several years of spectacular returns for the commercial real estate industry, global credit problems that began in the U.S. residential subprime market have spilled over into the commercial debt markets, resulting in suppressed transaction volumes and limited access to financing. Although real estate remains a relatively good investment option, especially in light of the recent volatility of competing asset classes such as stocks and bonds, the real estate sector itself faces several challenges in 2009 that are symptomatic of a general economy in distress.
 
Read more Here:

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What is a yield-maintenance prepayment penalty and how is it calculated? - 02/13/09 07:04 PM
Yield Maintenance is a prepayment penalty that, in the event the borrower pays off a loan before maturity, allows the lender to attain the same yield as if the borrower had made all scheduled mortgage payments until maturity. Yield maintenance premiums are designed to make lenders indifferent to an early prepayment by a borrower. On the flip side, it can mean that if a borrower currently has a 9.5% rate on its mortgage with 5 or 6 years to go until maturity, at this time the penalty could well be huge.For example, let's assume a 15-year interest-only $1,000,000 mortgage at  7%. After … (2 comments)

Cost Segregration is valuable tax strategy for the real estate investor - 02/04/09 12:53 PM
 
Cost segregation studies are one of the most valuable tax strategies available to owners of commercial real estate today. This increasingly popular phenomenon, offers facility owners the opportunity to defer taxes, reduce their overall current tax burden, and free up capital by improving their current cash flow. Virtually every taxpayer who owns, constructs, renovates, or acquires a commercial real estate structure stands to benefit from a cost segregation study.
Depreciation is a non-cash tax deduction which reduces federal income taxes. Commercial real estate owners often overlook a tax reduction opportunity by using simplistic methods to develop their depreciation schedules. Federal … (1 comments)

Commercial Lending: Non-Recourse Office, Retail, and Warehouse loans - 02/03/09 08:29 AM
We are please to announce the creation of our new Non recourse Loans
Eligible Locations: Strong/Stable primary and secondary markets- No tertiary markets. 150,000+ population within 5 mile radius of the asset. Eligible Transactions: Acquisition or refinance of existing stabilized income-producing properties - no earn-outs Eligible Properties: Multi-tenant office, retail, warehouse, industrial, credit singe tenant, also select flagged hotels.Properties that are Not Eligible : Non credit single tenant, restaurant/bar, church/school/day care, funeral home, dry cleaner; any automotive fuel/service/repair; bed & breakfast; co-ops, rest/nursing home, health care; raw land; single family homes; no properties with high vacancy, environmental contamination, needing substantial rehab … (1 comments)