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    <title>In-Vision Financial Holdings Blog</title>
    <link>http://activerain.com/blogs/chrishills</link>
    <description></description>
    <language>en-us</language>
    <item>
      <guid>http://activerain.com/blogsview/1311162/fractured-condos</guid>
      <title>Fractured Condos</title>
      <description>&lt;p&gt;&lt;span style=&quot;font-family: georgia, helvetica, clean, sans-serif; font-size: 15px; color: #030300; line-height: 17px;&quot;&gt;
&lt;p style=&quot;margin-top: 0px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 24px; padding-bottom: 0px; padding-left: 0px; font-size: 11px; line-height: 1.4em;&quot;&gt;&lt;strong&gt;Needed Fractured Condos&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;margin-top: 0px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 24px; padding-bottom: 0px; padding-left: 0px; font-size: 11px; line-height: 1.4em;&quot;&gt;We have fund that has a simple request&amp;hellip;..&amp;rdquo;WE WANT FRACTURED CONDOS&amp;rdquo;. &amp;nbsp;Now I&amp;rsquo;m sure the next question you have is, what is a fractured condo? &amp;nbsp;In this particular case, the fund defines a fractured condo as a condominium development projects that was completed, units were selling&amp;hellip;.then the market disappeared. &amp;nbsp;Options are limited for the original developer or a bank stuck in this unfortunate position.&lt;/p&gt;
&lt;p style=&quot;margin-top: 0px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 24px; padding-bottom: 0px; padding-left: 0px; font-size: 11px; line-height: 1.4em;&quot;&gt;Currently the fund is looking for nationwide buying opportunities. &amp;nbsp;I can give a recent example. &amp;nbsp;In the southeast, a 200-unit high-rise condo project was completed. &amp;nbsp;50% of the units were sold and closed. &amp;nbsp;The market shifted, loan options to end buyers shifted, and the builder was left with 100 unsold condos. &amp;nbsp;In this particular case, the bank who has first lien position at $40 million was also under pressure from the FDIC to liquidate part of it&amp;rsquo;s portfolio.&lt;/p&gt;
&lt;p style=&quot;margin-top: 0px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 24px; padding-bottom: 0px; padding-left: 0px; font-size: 11px; line-height: 1.4em;&quot;&gt;The fund offered to buy out the developers position. &amp;nbsp;Yes the developer lost the original cash invested, however they walked away from $40 million of debt and a lot of headaches. &amp;nbsp;The fund then negotiated a discount with the bank to acquire the property for approximately $20 million.&lt;/p&gt;
&lt;/span&gt;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Fri, 30 Oct 2009 08:24:34 -0500</pubDate>
      <link>http://activerain.com/blogsview/1311162/fractured-condos</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1306946/new-bulk-reo-program-from-in-vision-financial-holdings</guid>
      <title>New Bulk Reo Program from In-Vision Financial Holdings</title>
      <description>&lt;p&gt;&lt;span style=&quot;font-family: georgia, helvetica, clean, sans-serif; font-size: 18px; color: #030300; line-height: 20px;&quot;&gt;
&lt;p style=&quot;margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; font-size: 15px; padding: 0px;&quot;&gt;&lt;strong style=&quot;font-style: normal; font-weight: bold;&quot;&gt;REO Program Highlights&lt;/strong&gt;&lt;/p&gt;
&lt;p style=&quot;margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; font-size: 15px; padding: 0px;&quot;&gt;In-Vision Financial Holdings is pleased to announce an REO lending program provided by one of our private direct investors.&amp;nbsp; The program in essence functions like a blanket loan across an REO portfolio.&amp;nbsp; The basic parameters are as follows:&lt;/p&gt;
&lt;ul style=&quot;margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 10px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 15px; font-size: 15px;&quot;&gt;
&lt;li style=&quot;padding: 0px; margin: 0px;&quot;&gt;Residential:&amp;nbsp; Single Family or Condominium.&lt;/li&gt;
&lt;li style=&quot;padding: 0px; margin: 0px;&quot;&gt;Small to Midsize REO Portfolios.&lt;/li&gt;
&lt;li style=&quot;padding: 0px; margin: 0px;&quot;&gt;Target 60% of Note.&amp;nbsp; For Example: If an client is purchasing an REO portfolio for $10 million, the client needs to invest $4 million, and our investor will provide a loan for the balance of $6 million.&lt;/li&gt;
&lt;li style=&quot;padding: 0px; margin: 0px;&quot;&gt;The target loan size per residential property in the portfolio should be $150-250 thousand.&amp;nbsp; This will ensure rent rates can support each individual property.&lt;/li&gt;
&lt;li style=&quot;padding: 0px; margin: 0px;&quot;&gt;Target loan size per portfolio is $5-8 million.&lt;/li&gt;
&lt;li style=&quot;padding: 0px; margin: 0px;&quot;&gt;Purchase or Refinance.&lt;/li&gt;
&lt;/ul&gt;
&lt;p style=&quot;margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; font-size: 15px; padding: 0px;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; font-size: 15px; padding: 0px;&quot;&gt;If you have questions please feel free to call&lt;/p&gt;
&lt;/span&gt;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Tue, 27 Oct 2009 22:15:49 -0500</pubDate>
      <link>http://activerain.com/blogsview/1306946/new-bulk-reo-program-from-in-vision-financial-holdings</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1299443/strong-rebound-seen-for-us-home-sales</guid>
      <title>Strong Rebound Seen for US Home Sales</title>
      <description>&lt;p&gt;&lt;span style=&quot;font-family: Times; font-size: medium;&quot;&gt;
&lt;div style=&quot;&quot;&gt;
&lt;p&gt;&lt;a href=&quot;http://www.cnbc.com/id/33444809&quot;&gt;Strong Rebound Seen for US Home Sales - Real Estate * US * News * Story - CNBC.com&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;This is great news for the home buying industry. &amp;nbsp;However, I am going to issue a word of caution. &amp;nbsp;Many of these homes that are selling are of short sale and foreclosure type. &amp;nbsp;What is going to happen when this ends. &amp;nbsp;The values of regular home are still down. &amp;nbsp;The average home that was bought in the last three years is pretty much under water or close to it.&lt;/p&gt;
&lt;p&gt;I have many clients who bought 15-20% down and now they are basically valued at what they are owing the mortgage company. &amp;nbsp;These people could not possibly sell their homes. &amp;nbsp;Never mind the people that put 0-15% down, after paying the costs selling they would way to far under water.&lt;/p&gt;
&lt;p&gt;Basically what I am saying is lets not get to exited about what is going on yet, it is moving in the right direction. &amp;nbsp;I talk to some realtors and mortgage bankers and they think this is going to last for ever. &amp;nbsp;Look what happened the last time we thought that way.&lt;/p&gt;
&lt;div&gt;&lt;br /&gt;&lt;/div&gt;
&lt;/div&gt;
&lt;/span&gt;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Fri, 23 Oct 2009 08:53:16 -0500</pubDate>
      <link>http://activerain.com/blogsview/1299443/strong-rebound-seen-for-us-home-sales</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1298094/high-end-residential-to-40mm-nationwide</guid>
      <title>High End Residential to 40mm-Nationwide</title>
      <description>&lt;p&gt;&amp;gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-family: 'Times New Roman';&quot;&gt;&lt;span style=&quot;font-size: 13pt;&quot;&gt;We pleased to announce the High End Residential program provided by one of our private direct investors.&amp;nbsp; This program offers purchase, construction and refinance options for super jumbo residential.&amp;nbsp; The basic parameters are as follows:&lt;br /&gt; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-family: 'Times New Roman';&quot;&gt;&lt;span style=&quot;font-size: 13pt;&quot;&gt;Loan Amounts from &amp;nbsp;$2&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;span style=&quot;font-family: 'Times New Roman';&quot;&gt;&lt;span style=&quot;font-size: x-small;&quot;&gt;&lt;span style=&quot;font-size: 10pt;&quot;&gt;-40 million permanent loans. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-family: 'Times New Roman';&quot;&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-size: 13pt;&quot;&gt;Loan Amounts up &amp;nbsp;to $10 million for SFR Construction. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-family: 'Times New Roman';&quot;&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-size: 13pt;&quot;&gt;Single Family only. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-family: 'Times New Roman';&quot;&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-size: 13pt;&quot;&gt;Permanent Loans &amp;nbsp;in the 5.5% plus range to 70% LTV. (Submit for an exact rate quote) &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-family: 'Times New Roman';&quot;&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-size: 13pt;&quot;&gt;Purchase or Refinance &amp;nbsp;ok. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-family: 'Times New Roman';&quot;&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-size: 13pt;&quot;&gt;Loan Approval based &amp;nbsp;on strength of borrower and liquidity. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-family: 'Times New Roman';&quot;&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-size: 13pt;&quot;&gt;Full Doc Income. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-family: 'Times New Roman';&quot;&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-size: 13pt;&quot;&gt;Not Fico Driven &amp;nbsp;(credit issues with logical explanation is ok) &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-family: 'Times New Roman';&quot;&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-size: 13pt;&quot;&gt;Construction Loans &amp;nbsp;up to 65% LTV. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-family: 'Times New Roman';&quot;&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-size: 13pt;&quot;&gt;Construction Loans &amp;nbsp;12-24 month term, interest only, no PPP. &lt;br /&gt; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-family: 'Times New Roman', Arial, Helvetica, sans-serif; font-size: large;&quot;&gt;&lt;span style=&quot;font-size: 17px;&quot;&gt;Rates very Competitive&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&lt;span style=&quot;font-family: Calibri, Verdana, Helvetica, Arial;&quot;&gt;&lt;span style=&quot;font-size: 11pt;&quot;&gt;&lt;br /&gt;&lt;br /&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Thu, 22 Oct 2009 12:56:48 -0500</pubDate>
      <link>http://activerain.com/blogsview/1298094/high-end-residential-to-40mm-nationwide</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1284956/judge-reaffirms-crucial-foreclosure-sale-ruling-daily-business-update-the-boston-globe</guid>
      <title>Judge reaffirms crucial foreclosure sale ruling - Daily Business Update - The Boston Globe</title>
      <description>&lt;p&gt;&lt;span style=&quot;font-family: Times; font-size: medium;&quot;&gt;
&lt;div style=&quot;&quot;&gt;
&lt;p&gt;&amp;nbsp;&lt;a href=&quot;http://www.boston.com/business/ticker/2009/10/judge_reaffirms_2.html?comments=all#addComm&quot;&gt;Judge reaffirms crucial foreclosure sale ruling - Daily Business Update - The Boston Globe&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;it is about time someone stopped these out of control lenders. &amp;nbsp;they have no idea who actually owns their property.&lt;/p&gt;
&lt;p&gt;Take my house for instance, the records show that one lender owns, i know for a fact that lender is out of business, and i am now paying a different lender, but the land court still has the lender that i originally bought the house with.&lt;/p&gt;
&lt;/div&gt;
&lt;/span&gt;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Wed, 14 Oct 2009 13:47:29 -0500</pubDate>
      <link>http://activerain.com/blogsview/1284956/judge-reaffirms-crucial-foreclosure-sale-ruling-daily-business-update-the-boston-globe</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1284850/lunacy-in-vegas-housing-this-is-nuts</guid>
      <title>Lunacy in vegas housing-this is nuts</title>
      <description>&lt;p&gt;&lt;a href=&quot;http://www.cnbc.com/id/33310096&quot;&gt;Lunacy in Las Vegas Housing - Realty Check with Diana Olick&amp;nbsp;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;This is an absolutely amzing story, the best part is the Realtor at the end.&amp;nbsp; My god what have we come to when people can just can walk away.&amp;nbsp;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Wed, 14 Oct 2009 13:02:10 -0500</pubDate>
      <link>http://activerain.com/blogsview/1284850/lunacy-in-vegas-housing-this-is-nuts</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1283006/credit-tightens-for-small-businesses-companies-</guid>
      <title>Credit Tightens for Small Businesses &#8211; Companies </title>
      <description>&lt;div class=&quot;storycontent&quot;&gt;
&lt;p&gt;&lt;a href=&quot;http://www.cnbc.com/id/33291572&quot;&gt;Credit Tightens for Small Businesses &amp;ndash; Companies * US * News * Story &amp;ndash; CNBC.com&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;This is what is going to slow the recovery.&amp;nbsp; Banks need to lend for small business to grow.&amp;nbsp; Companies need money to hire and develop new product. And until they do it will be very slow increase in job creation.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;For more stories like this check out our new blog at &lt;a href=&quot;http://www.commloanexperts.com&quot; target=&quot;_blank&quot;&gt;www.commloanexperts.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;And for info on how to get your next project funded please check out&amp;nbsp; &lt;a href=&quot;http://www.in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;/div&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Tue, 13 Oct 2009 12:17:23 -0500</pubDate>
      <link>http://activerain.com/blogsview/1283006/credit-tightens-for-small-businesses-companies-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1278792/full-year-tarp-results-banks-hoard-more-cash-make-fewer-loans</guid>
      <title>Full-Year TARP Results: Banks Hoard More Cash, Make Fewer Loans</title>
      <description>&lt;p&gt;&lt;a href=&quot;http://www.foxbusiness.com/story/markets/year-tarp-results-banks-hoard-cash-make-fewer-loans/&quot;&gt;Full-Year TARP Results: Banks Hoard More Cash, Make Fewer Loans - FOXBusiness.com&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;This is why banks are going to lose their clients to private investment firms like the ones that we are using to fund commercial transactions.&amp;nbsp; Clients know when they are getting the cold shoulder and when they have good deals.&amp;nbsp; So we used tax dollars for what to help make the banks money.&lt;/p&gt;
&lt;p&gt;If you want to get your project funded give us a call.&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.in-visionloans.com&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Sat, 10 Oct 2009 15:24:33 -0500</pubDate>
      <link>http://activerain.com/blogsview/1278792/full-year-tarp-results-banks-hoard-more-cash-make-fewer-loans</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1270527/super-jumbo-loan-program</guid>
      <title>Super Jumbo Loan Program</title>
      <description>&lt;object height=&quot;344&quot; width=&quot;425&quot;&gt;&lt;param name=&quot;movie&quot; value=&quot;http://www.youtube.com/v/wMiyo4yoa5E&amp;amp;hl=en&amp;amp;fs=1&amp;amp;&quot;&gt;&lt;/param&gt;&lt;param name=&quot;allowFullScreen&quot; value=&quot;true&quot;&gt;&lt;/param&gt;&lt;param name=&quot;allowscriptaccess&quot; value=&quot;always&quot;&gt;&lt;/param&gt;&lt;embed allowfullscreen=&quot;true&quot; type=&quot;application/x-shockwave-flash&quot; src=&quot;http://www.youtube.com/v/wMiyo4yoa5E&amp;amp;hl=en&amp;amp;fs=1&amp;amp;&quot; allowscriptaccess=&quot;always&quot; height=&quot;344&quot; width=&quot;425&quot;&gt;&lt;/embed&gt;&lt;/object&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Mon, 05 Oct 2009 14:29:09 -0500</pubDate>
      <link>http://activerain.com/blogsview/1270527/super-jumbo-loan-program</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1266507/new-super-jumbo-program</guid>
      <title>New Super Jumbo Program</title>
      <description>&lt;p&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-family: Times New Roman;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;We pleased to announce the High End Residential program provided by one of our private direct investors.&amp;nbsp; This program offers purchase, construction and refinance options for super jumbo residential.&amp;nbsp; The basic parameters are as follows:&lt;br /&gt; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-family: Times New Roman;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;Loan Amounts from &amp;nbsp;$2-40 million permanent loans. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-family: Times New Roman;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;Loan Amounts up &amp;nbsp;to $10 million for SFR Construction. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-family: Times New Roman;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;Single Family only. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-family: Times New Roman;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;Permanent Loans &amp;nbsp;in the 5.5% plus range to 70% LTV. (Submit for an exact rate quote) &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-family: Times New Roman;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;Purchase or Refinance &amp;nbsp;ok. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-family: Times New Roman;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;Loan Approval based &amp;nbsp;on strength of borrower and liquidity. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-family: Times New Roman;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;Full Doc Income. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-family: Times New Roman;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;Not Fico Driven &amp;nbsp;(credit issues with logical explanation is ok) &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-family: Times New Roman;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;Construction Loans &amp;nbsp;up to 65% LTV. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li&gt;&lt;span style=&quot;font-size: medium;&quot;&gt;&lt;span style=&quot;font-family: Times New Roman;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;Construction Loans &amp;nbsp;12-24 month term, interest only, no PPP. &lt;br /&gt; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Fri, 02 Oct 2009 13:35:39 -0500</pubDate>
      <link>http://activerain.com/blogsview/1266507/new-super-jumbo-program</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1240061/financing-for-large-commercial-real-estate-development</guid>
      <title>Financing for large Commercial Real Estate Development</title>
      <description>&lt;p&gt;We have money for commercial real estate financing for large development projects. the Minimum project size is 50 million.&lt;/p&gt;
&lt;p&gt;Any projects that create jobs, can be funded in this program.&amp;nbsp; Their is a minimum investment in the project of 10 million dollars.(skin in the game)&amp;nbsp; This is a legitimate program that is government approved&lt;/p&gt;
&lt;p&gt;For more information please feel free to contact me. I can not post all the details but can discuss over the phone.&amp;nbsp; Just please have an executive summary available to review.&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Tue, 15 Sep 2009 14:19:57 -0500</pubDate>
      <link>http://activerain.com/blogsview/1240061/financing-for-large-commercial-real-estate-development</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1233416/assisted-living-health-care-facility-financing</guid>
      <title>Assisted Living/Health Care Facility Financing</title>
      <description>&lt;p style=&quot;margin: 0.1pt 0in;&quot;&gt;In-Vision Financial Holdings offers a nationwide lending advisory approach to arrange financing for your assisted living facility. We have provided financing for many health care facilities through out the United States.&lt;/p&gt;
&lt;p style=&quot;margin: 0.1pt 0in;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;margin: 0.1pt 0in;&quot;&gt;Healthcare real estate loans include assisted living facilities, independent care facilities, skilled nursing facilities, medical office buildings, surgery centers, not-for-profit hospitals, and proprietary hospitals.&lt;/p&gt;
&lt;p style=&quot;margin: 0.1pt 0in;&quot;&gt;At In-Vision Financial Holdings, we offer healthcare real estate loans of up to $300 million dollars plus, that are not only competitive, but also offer the very best pricing for assisted living financing.&lt;/p&gt;
&lt;p style=&quot;margin: 0.1pt 0in;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;margin: 0.1pt 0in;&quot;&gt;If you are a borrower, owner or investor looking to finance health care real estate and have found that perfect location to build an assisted living property, In-Vision Financial Holdings can also provide construction financing. In-Vision Financial Holdings will provide financing on all types of assisted living, senior housing facilities/properties as well as additions to elderly care properties.&lt;/p&gt;
&lt;p style=&quot;margin: 0.1pt 0in;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;margin: 0.1pt 0in;&quot;&gt;We can provide financing for refinance, purchase, rehab, and construction. We have many none traditional programs. We have HUD and none HUD programs. It is not unusual that we can design a solution for your needs that will help improve your bottom line. We have also launched a program for those facilities that would like to go green.&lt;/p&gt;
&lt;p style=&quot;margin: 0.1pt 0in;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style=&quot;margin: 0.1pt 0in;&quot;&gt;For a free consultation call 866-926-0576 x704 or visit our website at &lt;a href=&quot;http://www.in-visionloans.com/&quot;&gt;www.in-visionloans.com&lt;/a&gt; and fill out our loan quote form.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;      &lt;span style=&quot;font-weight: bold;&quot;&gt;&lt;span style=&quot;font-size: x-small;&quot;&gt;&lt;span&gt;&lt;br /&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Thu, 10 Sep 2009 19:58:46 -0500</pubDate>
      <link>http://activerain.com/blogsview/1233416/assisted-living-health-care-facility-financing</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1231043/jumbo-residental-loans-up-to-3-million</guid>
      <title>Jumbo Residental Loans up to 3 Million</title>
      <description>&lt;p&gt;Some of yo&amp;nbsp; may no that we have a residential side to our business.&amp;nbsp; It is not something that we normally advertise.&amp;nbsp; But this imformation we felt we needed to pass on.&lt;/p&gt;
&lt;p&gt;We have an investor who is provideing Jumbe loans up to 3 million dollars with a 5/1 arm 4.5% and 7/1 Arm at 4.875. Interest onlys would be .500 point higher.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;the LTV breakdowns are has follows&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;up to 850,000 &amp;nbsp; &amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; 70% Loan-to-value&lt;/li&gt;
&lt;li&gt;850,001-1,500,000&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; 65%&lt;/li&gt;
&lt;li&gt;1,500,001-2,000,000-&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; 60%&lt;/li&gt;
&lt;li&gt;2,500,000 to 3,000,000&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; 50%&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;Condos are 55% under 850,0000. anything over would be 50%&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Any questions please call&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Wed, 09 Sep 2009 12:04:37 -0500</pubDate>
      <link>http://activerain.com/blogsview/1231043/jumbo-residental-loans-up-to-3-million</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1221202/masschusetts-hard-money</guid>
      <title>Masschusetts Hard Money</title>
      <description>&lt;p&gt;As a commercial correspondent lender here in Massachusetts, I come across many lenders that want to do business with us. It is very hard to become a lender on our list, especially in the current economic climate that we are in.&lt;br /&gt;&lt;br /&gt;I have found however a new source for commercial hard money, located here in Massachusetts, and that deals specifically with in the state. They will occasionally go to a surrounding state.&lt;br /&gt;&lt;br /&gt;They are looking for Massachusetts commercial Real Estate only. No personal properties will be looked at.&amp;nbsp; For me to present you to them, your deal must contain:&lt;br /&gt;&lt;br /&gt;&amp;bull;&amp;nbsp;&amp;nbsp;&amp;nbsp; Deals that have cash flow&lt;br /&gt;&amp;bull;&amp;nbsp;&amp;nbsp;&amp;nbsp; 50 % ltv which can include property in addition to the subject &lt;br /&gt;&amp;bull;&amp;nbsp;&amp;nbsp;&amp;nbsp; Solid Exit Strategy&lt;br /&gt;&amp;bull;&amp;nbsp;&amp;nbsp;&amp;nbsp; 6-12 month terms&lt;/p&gt;
&lt;p&gt;If your interested please feel free to fill out the &lt;a href=&quot;http://in-visionloans.com/info/pdfs.rad&quot; target=&quot;_blank&quot;&gt;executive summary form my website, and the personal financial statement.&lt;/a&gt;&lt;br /&gt;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Wed, 02 Sep 2009 08:32:01 -0500</pubDate>
      <link>http://activerain.com/blogsview/1221202/masschusetts-hard-money</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1173859/commmercail-loan-application-do-s-and-don-ts</guid>
      <title>Commmercail Loan Application Do's and Don'ts</title>
      <description>&lt;p class=&quot;MsoNormal&quot;&gt;I have seen in the last 6 months some crazy things; While clients are trying to obtain a Commercial Loan.&amp;nbsp; Here are some Do's and Don'ts.&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;Do's&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;Complete and accurate year to date Income and operating Statement&lt;/li&gt;
&lt;li&gt;Clear Executive summary-&lt;a href=&quot;http://blog.in-visionloans.com/2009/02/16/how-to-write-a-commercial-loan-executive-summary.aspx&quot; target=&quot;_blank&quot;&gt;(go here for tips on how to write one)&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;Updated Rent roll&lt;/li&gt;
&lt;li&gt;Complete Personal Financial Statement&lt;/li&gt;
&lt;li&gt;3 years tax returns&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;Don'ts&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;Try to pass of an old Financial Statement&lt;/li&gt;
&lt;li&gt;Lie about you Credit&lt;/li&gt;
&lt;li&gt;Don't try to hide any negatives, it all comes out in the wash.&lt;/li&gt;
&lt;li&gt;Play games with the down payment or Partners&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;These are just some of the things, the main thing is just be honest and i can help put a Commercial loan package together, if you hold stuff back it just delays thing and upsets the underwriter.&amp;nbsp; We need to make the underwriter our friend not an enemy. If you do thing the right way we have a good chance of putting a deal together.&lt;/p&gt;
&lt;p&gt;If you have any question on what you need to put together please feel free to ask.&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;_____________________________________________________________________&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;We have Money to lend!!! We are in all 50 States and provide Great Service, are Honest and Show Professionalism.&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;The above information regarding Commercial Loans 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-visionfinancial.com or by phone at 508-377-5872 x 704.&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;I am dedicated to helping you find the right financial solution for the purchase or refinance of your next commercial project&lt;/p&gt;
&lt;p&gt;For Commercial lending nationwide see In-Vision Financial Holding&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Thu, 30 Jul 2009 08:36:06 -0500</pubDate>
      <link>http://activerain.com/blogsview/1173859/commmercail-loan-application-do-s-and-don-ts</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1172542/commercial-multi-family-programs</guid>
      <title>Commercial Multi Family Programs</title>
      <description>&lt;p class=&quot;MsoNormal&quot;&gt;Commercial Multi Family loans have remained stable through all the turmoil that has surrounded us in the past 2 years.&amp;nbsp; Over the last 2 months rates have not fluctuated that much.&amp;nbsp; Our programs offer the borrower the flexibility to pick the loan programs with terms up to 40 years with options for fixed rates for that long. Loans over 2 million may not require recourse. The local bank may only go to 25 years on a 5 year arm, with a&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;personal guarantee.&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;Most people don't realize that they can get these type of loans they think they are stuck using the same old outlet they had before.&amp;nbsp; Let us help you design the proper loan so that you may increase your cash flow.&amp;nbsp; For example a 30 year amortization vs a 25 year; the payment savings is about $450 a month on a $1,000,000 loan.&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;In this economy stop doing the same old thing and let us help, just give me a call for consultation.&amp;nbsp; I need 3 things to know if we might have a deal; a rent roll, income and expense report, and a Personal finacial statement.&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;____________________________________________________________________________&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;We have Money to lend!!! We are in all 50 States and provide Great Service, are Honest and Show Professionalism.&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;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-visionfinancial.com or by phone at 508-377-5872 x 704.&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;I am dedicated to helping you find the right financial solution for the purchase or refinance of your next commercial project&lt;/p&gt;
&lt;p&gt;For Commercial lending nationwide see In-Vision Financial Holding&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Wed, 29 Jul 2009 12:06:41 -0500</pubDate>
      <link>http://activerain.com/blogsview/1172542/commercial-multi-family-programs</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1171691/commercial-due-diligence-fees</guid>
      <title>Commercial Due Diligence Fees</title>
      <description>&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;The practice of due diligence fees in the commercial lending has caused many problems in today&amp;rsquo;s landscape.&lt;span&gt;&amp;nbsp; &lt;/span&gt;Many Brokers/lenders will tell you that need to collect up front so make sure they get paid, others want to collect to make sure the client doesn&amp;rsquo;t go some where else.&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;In my opinion if you are taken a client&amp;rsquo;s money, you better be able to perform. There is no reason for you to collect any money before an LOI has been presented, and it should only before the hard cost that the lender will incur such has an Appraisal, environmental studies, or other items.&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;Most of these so-called lenders are putting the cart before the horse; they want their profit before they do their job.&lt;span&gt;&amp;nbsp; &lt;/span&gt;In how many business do they collect their pay be before they deliver. We are suppose to be professionals and to many people in our field act like they are used car salesmen.&lt;span&gt;&amp;nbsp;&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;We need to start acting like consultants, and start putting the clients interests ahead of our own. This is why we are in the economic mess that we are in.&lt;span&gt;&amp;nbsp; &lt;/span&gt;Don&amp;rsquo;t get me wrong I am all for making money, but would we not make more money in the long run if did things right.&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;____________________________________________________________________________&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;We have Money to lend!!! We are in all 50 States and provide Great Service, are Honest and Show Professionalism.&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;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-visionfinancial.com or by phone at 508-377-5872 x 704.&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;I am dedicated to helping you find the right financial solution for the purchase or refinance of your next commercial project&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;For Commercial lending nationwide see In-Vision Financial Holdings&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Tue, 28 Jul 2009 19:51:54 -0500</pubDate>
      <link>http://activerain.com/blogsview/1171691/commercial-due-diligence-fees</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1118682/commercial-governement-backed-loans</guid>
      <title>Commercial Governement Backed Loans</title>
      <description>&lt;p&gt;Talking About Government Loans!&lt;br /&gt;&lt;br /&gt;Regardless of political affiliation or how you feel about the government, there is one thing that is very helpful in commercial today, government-backed loans.&amp;nbsp; Because the government is backing them, money is readily available on these types of deals all day.&amp;nbsp; In past newsletters, we have explored SBA loans.&amp;nbsp; But I want to talk today about a much lesser known loan, a USDA loan.&lt;br /&gt;&lt;br /&gt;&amp;nbsp;These loans can be used for owner-occupied businesses, like the SBA loan, but can also be used for INVESTOR PROPERTIES!&amp;nbsp; They can go all the way up to $10 Million &amp;ndash; much higher than SBA.&amp;nbsp; And they require a lot less down, typically 10%-20%, much less than most banks will lend on &amp;ndash; especially on investor deals.&amp;nbsp; And these can be used for construction as well.&amp;nbsp; The key is that they must be in rural areas which is defined by a population of less than 50,000 people in that city.&amp;nbsp; Many lenders won&amp;rsquo;t lend in towns of less than 50,000 people so this loan program really fills a gap.&amp;nbsp; And with so many banks no longer doing construction loans, this product is HOT.&amp;nbsp; If what you are building will create jobs; it is even better.&lt;br /&gt;&lt;br /&gt;For example, say you want to build a hotel in a city that is near a major metro area but only has a population of 30,000 people.&amp;nbsp; This describes a tremendous amount of cities across America &amp;ndash; including the city I live in.&amp;nbsp; If that loan size is $7 Million or so you are going to be stuck.&amp;nbsp; SBA only goes to $5 Million, and the big construction money only wants to look at hotels over $10 Million.&amp;nbsp; But the USDA loan can fill the gap and you will not have to put down 35% either!&amp;nbsp; Rates will usually be tied to prime on an adjustable but that puts you in the 5-6% range right now and fixed rates may be available on extremely strong deals.&amp;nbsp; Because it is a government-backed loan, it does take longer to close but this loan WILL get you closed and with a lot less down than a conventional loan.&amp;nbsp; Hey, you can do investor hotels on this deal!&amp;nbsp; We have a loan that just got approved on this program for a saw mill refinance in Arkansas.&amp;nbsp; That broker had been trying to place that loan for 6 months and we are getting it done!&amp;nbsp; Had terms out in two days and initial approval in less than a week after getting docs!&amp;nbsp; If you have a deal that you think might fit these parameters, give us a call today at 866-926-0576 x 704 .&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Wed, 17 Jun 2009 10:36:00 -0500</pubDate>
      <link>http://activerain.com/blogsview/1118682/commercial-governement-backed-loans</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1118144/hard-money-tip</guid>
      <title>Hard Money Tip</title>
      <description>&lt;p&gt;With all of the deals that I have seen recently.&amp;nbsp; I can tell people are starting to get desperate. They are starting to to take short cuts, instead of doing things the right way.&amp;nbsp; We need to have good executive summaries. They need to have some thought put into them. Here is a look at how to write an &lt;a href=&quot;http://activerain.com/blogsview/937989/how-to-write-a-commercial-loan-executive-summary&quot; target=&quot;_blank&quot;&gt;executive summary&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;I am also starting to see very hold financial statements.&amp;nbsp; If you are going to submit a loan to be underwriting please don't try to pass off a year old financial statement.&amp;nbsp; All it does is cause the process to slow down.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span&gt;____________________________________________________________________________&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span&gt;We have Money to lend!!! We are in all 50 States and provide Great Service, are Honest and Show Professionalism.&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;span&gt;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-visionfinancial.com or by phone at 508-377-5872 x 704.&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span&gt;I am dedicated to helping you find the right financial solution for the purchase or refinance of your next commercial project&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;span&gt;For Commercial lending nationwide see &amp;nbsp;&lt;a href=&quot;http://www.in-visionloans.com/&quot;&gt;&lt;span style=&quot;color: #1e77b9;&quot;&gt;In-Vision Financial Holdings&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Tue, 16 Jun 2009 21:16:03 -0500</pubDate>
      <link>http://activerain.com/blogsview/1118144/hard-money-tip</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1112470/commercial-multifamily-acquisition-refinance-rates-at-5-25-</guid>
      <title>Commercial Multifamily &#8211; Acquisition / Refinance Rates at 5.25%</title>
      <description>&lt;div&gt;
&lt;ul&gt;
&lt;li&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;&lt;span&gt;85% Loan-to-Value &amp;ndash; Acquisition or Refinance&lt;/span&gt;&lt;/div&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;&lt;span&gt;80% Loan-to-Value for Cash-Out Refinance&lt;/span&gt;&lt;/div&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;&lt;span&gt;35-Year Amortization&lt;/span&gt;&lt;/div&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;&lt;span&gt;35-Year Term (no balloon)&lt;/span&gt;&lt;/div&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;&lt;span&gt;7.5% Seller promissory note allowed for down payment requirements &lt;span&gt;&amp;nbsp;&lt;/span&gt;&lt;/span&gt;&lt;strong&gt;&lt;span&gt;(Acquisition Only)&lt;/span&gt;&lt;/strong&gt;&lt;/div&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;&lt;strong&gt;&lt;/strong&gt;&lt;span&gt;Low, fixed interest rate, based on market spreads over the Ten-Year Treasury yield.&lt;/span&gt;&lt;/div&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;&lt;span&gt;No maximum loan amount&lt;/span&gt;&lt;/div&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;&lt;span&gt;No personal liability&lt;/span&gt;&lt;span&gt; (non-recourse)&lt;/span&gt;&lt;/div&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;&lt;span&gt;Negotiable pre-payment terms&lt;/span&gt;&lt;/div&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;&lt;span&gt;1:18 Minimum Debt Service Coverage&lt;/span&gt;&lt;/div&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;&lt;span&gt;This loan is always assumable&lt;/span&gt;&lt;/div&gt;
&lt;/li&gt;
&lt;li&gt;
&lt;div class=&quot;MsoNormal&quot;&gt;&lt;span&gt;Third-party expenses and loan costs are financeable.&lt;/span&gt;&lt;/div&gt;
&lt;/li&gt;
&lt;/ul&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;&lt;em&gt;&lt;span&gt;&amp;nbsp;&lt;/span&gt;&lt;/em&gt;&lt;em&gt;&lt;span&gt;Rates and Terms determined by LTV, credit,&lt;/span&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;&lt;em&gt;&lt;span&gt;property type and other conditions. This is limited&lt;/span&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;&lt;em&gt;&lt;span&gt;information and meant for general reference purposes.&lt;/span&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;&lt;em&gt;&lt;span&gt;Contact us for detailed information or a specific quote on&lt;/span&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;&lt;em&gt;&lt;span&gt;a project.&lt;/span&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;&lt;span&gt;866-926-0576 x704&lt;/span&gt;&lt;/strong&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;/div&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Fri, 12 Jun 2009 08:51:35 -0500</pubDate>
      <link>http://activerain.com/blogsview/1112470/commercial-multifamily-acquisition-refinance-rates-at-5-25-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1112459/merchant-cash-advance-program</guid>
      <title>Merchant Cash Advance Program</title>
      <description>&lt;p&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;&lt;span style=&quot;&quot;&gt;In-Vision Financial Holdings merchant cash advance program gives clients the opportunity to get the money they need to improve their business.&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;&quot;&gt;&lt;strong style=&quot;&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;&quot;&gt;&lt;span style=&quot;font-family: Symbol; color: windowtext;&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;middot;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;strong style=&quot;&quot;&gt;&lt;span style=&quot;&quot;&gt;We Provide Commercial Clients With An Alternative&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;&quot;&gt;&lt;span style=&quot;font-family: Symbol; color: windowtext;&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;middot;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;strong style=&quot;&quot;&gt;&lt;span style=&quot;&quot;&gt;Ideal for any business that accepts credit cards&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;&quot;&gt;&lt;span style=&quot;font-family: Symbol; color: windowtext;&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;middot;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;strong style=&quot;&quot;&gt;&lt;span style=&quot;&quot;&gt;Low Documentation&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;&quot;&gt;&lt;span style=&quot;font-family: Symbol; color: windowtext;&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;middot;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;strong style=&quot;&quot;&gt;&lt;span style=&quot;&quot;&gt;Approval and Funding Within 7-10 days&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;&quot;&gt;&lt;span style=&quot;font-family: Symbol; color: windowtext;&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;middot;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;strong style=&quot;&quot;&gt;&lt;span style=&quot;&quot;&gt;Over 90% of Applications Approved&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot;&gt;&lt;strong&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;&quot;&gt;____________________________________________________________________________&lt;/span&gt;&lt;/strong&gt;&lt;span style=&quot;&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;&quot;&gt;We have Money to lend!!! We are in all 50 States and provide Great Service, are Honest and Show Professionalism.&lt;/span&gt;&lt;/strong&gt;&lt;span style=&quot;&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;span style=&quot;&quot;&gt;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.&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;&quot;&gt;I am dedicated to helping you find the right financial solution for the purchase or refinance of your next commercial project&lt;/span&gt;&lt;/strong&gt;&lt;span style=&quot;&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;span style=&quot;&quot;&gt;For Commercial lending nationwide see &amp;nbsp;&lt;a href=&quot;http://www.in-visionloans.com/&quot;&gt;&lt;span style=&quot;color: #1e77b9;&quot;&gt;In-Vision Financial Holdings&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Fri, 12 Jun 2009 08:44:00 -0500</pubDate>
      <link>http://activerain.com/blogsview/1112459/merchant-cash-advance-program</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1112414/-hard-money-commercial-</guid>
      <title> Hard Money Commercial!!!</title>
      <description>&lt;p&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;We are starting to close a lot of these loans but I still see a lot of people trying to do loans that make no sense.&amp;nbsp; You need to understand these deals.&amp;nbsp; Hard money does not mean stupid money.&amp;nbsp; THEY ARE NOT FOR LOW CREDIT SCORE PEOPLE.&amp;nbsp; That is one MAJOR difference between commercial hard money and residential hard money.&amp;nbsp; Remember, 50% of all deals in commercial are not fundable.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;The private hard money lenders, the guys who really have the bucks to lend $5 Million and close in 2 weeks, are not dumb individuals.&amp;nbsp; Their goal is NOT to foreclose, (commercial foreclosed properties can sit on the market for 10 years), their goal is to get their money back quick with a profit between 13% on the low end to 25% on the high end.&amp;nbsp; That is points and interest rate.&amp;nbsp; The stronger the deal, the less the total points.&amp;nbsp; What these guys are looking for is situations where the borrower needs money quick but only needs it for a short time and has a sound exit strategy or pay back strategy that gets them their money back in less then 2 years.&amp;nbsp; Often, these deals are funding the mortgage payments into the loan.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;For example, someone owns a good piece of property and has builders lined up to buy the lots once he gets them developed but needs the money quickly to develop them.&amp;nbsp; Hard money guys can get him 50-70% of the value in a week or two and roll in the mortgage payments and points so the developer gets this thing done with no additional outlay and gets his money in a couple weeks.&amp;nbsp; Or you have a guy who needs to close in 2 weeks or he loses the deal but it is a fundable loan by the local banks.&amp;nbsp; He just needs money quicker then the banks will close.&amp;nbsp; Or any of a thousand types of other scenarios.&amp;nbsp; The thing to look for when screening one of these deals is:&amp;nbsp; 1. A transaction that needs speed.&amp;nbsp; 2.&amp;nbsp; A deal that makes sense. 3.&amp;nbsp; Some exit strategy where the guys loaning the money can get their money back sooner rather then later-almost guaranteed.&amp;nbsp; Saying, &quot;I will use the money to help my credit and then refinance in a year is NOT a hard money deal-they do not see that as a safe risk since so many bad credit people STAY bad credit people.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Again, it is NOT a hard money where the buyer has major credit issues and no real viable plan for re-payment.&amp;nbsp; Where he just needs the money to hold off people, or where the LTV is really high.&amp;nbsp; In residential, hard money is for those really bad borrowers that need to stave off foreclosure.&amp;nbsp; In commercial, they want good borrowers, with good plans, the deals are sound.&amp;nbsp; The story has to work.&amp;nbsp; If the borrower does have bad credit he CAN go hard money in one instance-he has a clear plan to pay off that is nearly guaranteed-such as a contract from another company to buy his property and the company buying it is sound.&amp;nbsp; The scenarios are endless and the good news is that the deals tend to be larger-between $5-$30 million or higher and the closings are quick.&amp;nbsp; We are starting to close a lot of them and we have good lenders for these loans.&amp;nbsp; But they must make sense and the story has to fly.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;____________________________________________________________________________&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;We have Money to lend!!! We are in all 50 States and provide Great Service, are Honest and Show Professionalism.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;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.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;I am dedicated to helping you find the right financial solution for the purchase or refinance of your next commercial project&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;For Commercial lending nationwide see &amp;nbsp;&lt;a href=&quot;http://www.in-visionloans.com/&quot;&gt;In-Vision Financial Holdings&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Fri, 12 Jun 2009 08:17:49 -0500</pubDate>
      <link>http://activerain.com/blogsview/1112414/-hard-money-commercial-</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1082330/talking-about-hard-money-loans</guid>
      <title>Talking about Hard Money loans</title>
      <description>&lt;p&gt;Yes, we have sources for hard money loans.&amp;nbsp; And the need right now in the marketplace is huge.&amp;nbsp; These loans are not for bad borrowers; they are for people who need money quick.&amp;nbsp; Maybe it is a purchase contract that needs to close in 3 weeks, or a tight situation that just needs a short term bridge...these loans are great sources of quick revenue for you.&amp;nbsp; There are two basic types of commercial hard money loans:&lt;/p&gt;
&lt;ul type=&quot;disc&quot;&gt;
&lt;li&gt;Cash flowing properties: Apartment complexes, retail strip centers, etc.&amp;nbsp; These are properties that kick off enough cash to support the debt at almost 1 to 1 coverage or better.&amp;nbsp; When that is the case, there are PLENTY of hard money lenders lending.&amp;nbsp; You may think; &lt;em&gt;why if it is cash flowing does someone need hard money?&lt;/em&gt;&amp;nbsp; The reasons are endless.&amp;nbsp; I have one deal where it is a developer who has a bunch of properties working but because of long delays, they are cash poor.&amp;nbsp; He has one property that he owns free and clear that is cash flowing; we are getting him short term hard money to get him $12 Million to keep things rolling while the other loans close.&amp;nbsp; We have a small $400,000 hard money loan where the guy just needs to close quickly because he shopped too long and now his closing date is in 3 weeks and no one can close him.&amp;nbsp; On these types of properties; money is available all the way up to $25 Million without too much sweat. &amp;nbsp;LTV's up to 75% are possible if the property cash flows strong.&amp;nbsp; These are GREAT loans and can close quickly.&lt;/li&gt;
&lt;/ul&gt;
&lt;ul type=&quot;disc&quot;&gt;
&lt;li&gt;Non-cash flowing properties: Whether it is raw land, or a vacant building that needs to be gutted and rented out or an apartment complex that is mostly empty and losing money; if it doesn't cash flow, the rates are higher and the availability of lenders is greatly diminished.&amp;nbsp; Excellent credit on the part of the borrower and borrower financial strength is critical on these kinds of deals.&amp;nbsp; The lenders will also want a lower LTV, generally 50%.&amp;nbsp; But a good borrower at a low LTV can get the money quick, whether it will be for cash-out, purchase, whatever.&amp;nbsp; Even though these are tougher, we DO have loans available on these products from $200,000 up to $25 Million.&amp;nbsp; Again, closings are generally very quick.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;Remember with hard money loans these are short term loans.&amp;nbsp; 1 to 2 years is preferred.&amp;nbsp; They often have NO pre-payment penalty because the lenders want to get the money back so they can re-deploy it again.&amp;nbsp; The EXIT STRATEGY IS CRITICAL.&amp;nbsp; How are they going to pay it off in 1-2 years?&amp;nbsp; If the exit strategy is compelling, these deals can close.&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Tue, 19 May 2009 12:21:35 -0500</pubDate>
      <link>http://activerain.com/blogsview/1082330/talking-about-hard-money-loans</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1044323/commercial-loan-in-7-10-days-not-hard-money</guid>
      <title>Commercial Loan in 7-10 days-not hard money</title>
      <description>&lt;p&gt;
&lt;p class=&quot;style33&quot; style=&quot;&quot;&gt;That&amp;rsquo;s right; there are a few products that allow you to receive quick money in commercial. One of the hottest is a securities loan.&amp;nbsp; These loans allow someone to get money at incredible rates with no verification of income, credit, etc.&amp;nbsp; There are no strings on the money you can use it for anything.&amp;nbsp; All you need is a substantial amount of assets in stocks, bonds or treasuries.&lt;/p&gt;
&lt;p class=&quot;style33&quot; style=&quot;margin: 0in;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p class=&quot;style33&quot; style=&quot;margin: 0in;&quot;&gt;And it is easy!&amp;nbsp; Give us one simple statement showing the asset, like a quarterly report, and send it in.&amp;nbsp; Within 2 days, we will have a contract.&amp;nbsp; Once the you as the client signs that they get funded in 7-10 days.&amp;nbsp; If we get it rolling this week, you could be funded by the end of the month!&amp;nbsp; The rates and terms will depend on the strength of the asset, so Treasury bonds will get a better deal than stocks and blue chip stocks will get a better deal than some other stocks.&amp;nbsp; Rates will be between 2.5% and 5% or so &amp;ndash; interest only for 2-5 years.&amp;nbsp; That is some of the cheapest money available!&amp;nbsp; And with no credit check or income verification!&amp;nbsp; They keep ownership of the securities, and if the stock goes up&amp;hellip;they get all the benefit.&amp;nbsp; A lien is placed against the stocks/bonds or treasuries, so they cannot trade them for the duration of the loan.&amp;nbsp; But unlike a margin loan, the loan cannot be called if the stocks go down in value.&amp;nbsp; It is a safe way of tapping the asset for short term needs while protecting the asset for long term gains, retirement, etc.&amp;nbsp; When they pay the loan off, the lien is released!&lt;/p&gt;
&lt;p class=&quot;style33&quot; style=&quot;margin: 0in;&quot;&gt;&amp;nbsp;&lt;/p&gt;
&lt;p class=&quot;style33&quot; style=&quot;margin: 0in;&quot;&gt;This money could be used for a developer to finish construction.&amp;nbsp; Or a small business to keep afloat until the economy turns.&amp;nbsp; It could be used to pay off high interest debt, remember, we are often talking rates below 5% interest only.&amp;nbsp; It can be used by real estate investors to grab some cheap homes or commercial properties&amp;hellip;the opportunities are endless.&amp;nbsp; One deal we have working is a developer who was building a hotel and was half done when the bank got taken over by the FDIC.&amp;nbsp; Because it is half way through construction, there is not a lot of interest among other lenders to get the hotel completed.&amp;nbsp; But he has $7 Million in his stock portfolio.&amp;nbsp; We can get him a quick $5 Million and he can finish out the hotel and get it open.&amp;nbsp; Remember, you just fax us or scan and e-mail us a copy of your securities and we can have you a contract in 48 hours.&amp;nbsp; How easy is that?&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;&quot;&gt;____________________________________________________________________________&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;&quot;&gt;We have Money to lend!!! We are in all 50 States and provide Great Service, are Honest and Show Professionalism.&lt;/span&gt;&lt;/strong&gt;&lt;span style=&quot;&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;span style=&quot;&quot;&gt;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.&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style=&quot;&quot;&gt;I am dedicated to helping you find the right financial solution for the purchase or refinance of your next commercial project&lt;/span&gt;&lt;/strong&gt;&lt;span style=&quot;&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;span style=&quot;&quot;&gt;For Commercial lending nationwide see &amp;nbsp;&lt;/span&gt;&lt;a href=&quot;http://www.in-visionloans.com/&quot;&gt;&lt;span style=&quot;&quot;&gt;In-Vision Financial Holdings&lt;/span&gt;&lt;/a&gt;&lt;span style=&quot;&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Tue, 21 Apr 2009 14:27:46 -0500</pubDate>
      <link>http://activerain.com/blogsview/1044323/commercial-loan-in-7-10-days-not-hard-money</link>
    </item>
    <item>
      <guid>http://activerain.com/blogsview/1034377/commercial-construction-programs</guid>
      <title>Commercial Construction Programs</title>
      <description>&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span&gt;I would like to announce that we have a new program for commercial construction projects. We can do all types of projects, including hospitality, apartment buildings, and many other types of projects.&lt;span&gt;&amp;nbsp; &lt;/span&gt;Please call to receive more information. &lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span&gt;We can fund these projects in about 30 days. &lt;span&gt;&amp;nbsp;&lt;/span&gt;If you would like more information please call me or email.&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span&gt;____________________________________________________________________________&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span&gt;We have Money to lend!!! We are in all 50 States and provide Great Service, are Honest and Show Professionalism.&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;span&gt;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.&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span&gt;I am dedicated to helping you find the right financial solution for the purchase or refinance of your next commercial project&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;span&gt;For Commercial lending nationwide see &amp;nbsp;&lt;/span&gt;&lt;a href=&quot;http://www.in-visionloans.com/&quot;&gt;&lt;span&gt;In-Vision Financial Holdings&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;span&gt;----------------------------------------------------------------&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;span&gt;To see the # 1 Commercial Correspondent lender in the US&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;span&gt;&lt;a href=&quot;http://www.in-visionloans.com/&quot;&gt;&lt;span&gt;In-Vision Financial Holdings&lt;/span&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;div class='agent_signature'&gt;&lt;p&gt;We have Money to lend!!!&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;In-Vision Financial Holding's LLC&quot; href=&quot;http://in-visionloans.com&quot; target=&quot;_blank&quot;&gt;www.in-visionloans.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;866-926-0576 x704&lt;/p&gt;&lt;/div&gt;</description>
      <dc:creator>In-Vision Financial Holdings, LLC</dc:creator>
      <pubDate>Tue, 14 Apr 2009 18:06:32 -0500</pubDate>
      <link>http://activerain.com/blogsview/1034377/commercial-construction-programs</link>
    </item>
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