- Name
- Lisa Imbriani
- Company
- Partner- I and S Commercial Finance Inc.
- E-mail
- Contact Lisa Imbriani (Partner- I and S Commercial Finance Inc.)
- Website
- http://www.commercialfinanceconsultant.com
- Office Phone
- (602) 367-6180
- Cell Phone
- (602) 367-6180
- Alt. Phone
- (480) 201-5777
- Address
- Scottsdale, AZ, 85250
- Description
- I and S Commercial Finance (ISCFI) is a conduit to Capital. ISCFI offers its brokers and clients a vast array of financial products and programs, enabling resources required for successful fundings.
Brokers and Real Estate Agents, both Commercial and Residential
I AND S COMMERCIAL FINANCE, INC. ("ISCFI"), is a conduit to capital. ISCFI offer its brokers and clients a vast array of financial products and programs, which will enable them with the resources required for the successful funding of all their commercial projects- anything from Real Estate Investment and Development, Exploratory and Implementation of Energy Projects, the funding of Motion Pictures, Business Acquisitions, Joint Venture Partnerships, Art, Commodities, and beyond.
I AND S COMMERCIAL FINANCE, INC.'s capital resources encompass both domestic and international funding requests. ISCFI have gained the respect, and have earned the privilege of doing business with a select group of capital investment sources. In addition, ISCFI have recently partnered with Arthur D. Little Companies, whose expertise and reputation serve as a value-added service extension for our clients.
In today's capital climate, our extensive knowledge and experience in securing the capital required for your commercial goals is unparalleled. I AND S COMMERCIAL FINANCE, INC. continually proves itself to be the most important component, and the first step necessary to see your project funds come through. You consider your goals important. So does ISCFI, and will consider all projects, regardless of "Type."
ISCFI can arrange requests from 1mm and up, with no maximum.
Services include in-house processing, underwriting, and the structuring of the most complex funding requests.
I AND S COMMERCIAL FINANCE, INC.'s resources are as varied as they are reputable, and have spent many years building a prominent professional network of funding affiliations. Financing entities such as Private Investors, Merchant Banks, Private Banking, Wealthy Individuals, Joint Venture Firms/Partners, Hedge Funds, Insurance Companies, International Hedge Funds and Investors are among the sources of available capital.
ISCFI have the resources, tools, and know-how most companies simply cannot offer in order to secure your project's requested funds, regardless of the complexities involved. If your funding request or client's request has merit, I AND S COMMERCIAL FINANCE, INC. will work hard in order to fund almost any project, even in today's markets.
Specialties
•Access to Capital for International and Domestic Projects
•Extensive experience in the arrangement of Joint Venture Participants
•Consultation services / restructuring of your business plan, model with the partnership I AND S COMMERICAL FINANCE has put into practice with Arthur D. Little Companies; which is one of the world's leading management consulting firms, working closely with Fortune 500 firms across the globe.
•Knowledge and Expertise in Structuring and Presentation for the salability of clients project to our Capital Investors with a primary focus on the strengths of the project and merit including the ROI.
Experience
"I and S Commercial Finance Inc." (ISCFI) Principles have a combined 15 years in the Lending Industry.
Our team and company strengths are built upon our core principle partners experience, which encompasses the knowledge and know-how required in today's Capital Climate.
Our knowledge and expertise ranges from Traditional Bank Lending, Non-Traditional Funding Requests and the Structuring of Projects, to the experience of V.P. of the Risk Management Department, focusing on the entire Bank Lending Portfolio, which also includes running one of the most successful, teams in risk management at a triple "A" rated bank.
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I have built my business based upon referrals from both brokers, agents, and clients. Trust comes from "RESULTS". I have earned my clients trust. I take pride in my knowledge and experience when assisting my clients and brokers with their funding requests. With that said, distinguishing the accurate loan product for my client's current and future goal will afford maximization of their net value/worth.
AGGRESSIVE RATES AND TERMS NATIONWIDE:
Our Investors and Private Banking Affiliates offer some of the LOWEST RATES and FLEXIBLE TERMS you will find in todays Capital Markets.
APARTMENT BUILDING, MULTI-UNIT HOUSING FINANCING
We are highly competitive when it comes to your apartment mortgage business and we have the capital resources available today in order to offer project funding at the lowest rates with excellent terms. With such a variety of apartment financing scenarios, our Capital Investors have several investment loan products available in order for you to meet your apartment funding request.
Nationwide and International Funding Programs and Products
Please contact me for your funding requests.
For more information 602.367.6180 Email: lisa@commercialfinanceconsultant.com
RESORT FINANCING
When it comes to resort financing in Mexico, our capital resources offer rates and terms can not be matched. We offer our clients the most aggressive pricing that is unheard of in todays enviroment. If you have projects in Mexico please do not hesitate to call me for your funding request. For our brokers, your clients will be very impressed with the product and programs available to your through our direct capital resources.
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Service
Commercial Loan Work-Out and Debt Discount Program
Restructure Assistance; Commercial mortgage bankers and their Commercial borrowers are struggling with how to effectively deal with maturing commercial mortgage backed security(CMBS) transactions. Borrowers need to demonstrate to their servicers and lenders their ultimate payoff plan or why it is in the lender or servicer's best interest to extend, modify or reduce their current debt obligation. These waters can be very difficult to navigate, which is where a law firm we have partnered with comes into play.
The Law Groups practice is comprised of experienced attorneys, commercial real estate analysts, and underwriters ready to assist with the unique issues facings investors, landlords and lenders. The attorneys deal directly with the CMBS/Portfolio Special Servicers or Asset Managers, not paralegals, consultants or analysts. Whether you are trying to reduce the interest rate, short sale the note or property, restructure the amortization, reduce the principal balance to complete a refinance or extend the maturity date on your note, We can help.
As part of our services, we prepare a case file that includes capitalization values, demographic market reports, rental and vacancy analytic reports, and a Net Present Value analysis on the property which are all included in the file submitted to your lender, reducing the work load on the servicer. Our Law Group also identifies the benefits of the proposed workout to your lender with supporting documentation for each claim. The lender's Loss Mitigation department quickly realizes the difference in dealing with a law firm, like our partners, that understands the various financial factors that must be identified and addressed.
If You Can Answer Yes to Any of these Key Questions May Be We Are Able to Help?
•· Does your Loan to Value exceed 90%?
•· Does the loan amount exceed the true value of the
•· property preventing the property from being sold?
•· Has the property been repeatedly turned down for refinancing by both conventional & private lenders?
•· If a discounted payoff was obtained could you refinance or sell the property?
•· Have falling market rents & increasing vacancies caused the property to negatively cash flow?
•· Is there deferred maintenance?
•· Has the lender or servicer previously denied an extension or modification?
For Clients that are experiencing hardship, our Partnered Law Group is the place for them to seek assistance.
They can assist clients who:
•1. have missed a payment(s)due to a financial hardship
•2. have poor credit less than 640
•3. have lost tenants due to current macroeconomic conditions
•4. lack anchor tenants or financing has been capped due to a reduction in the current anchor tenants credit rating (S&P, Reuters, etc.)
•5. are not able to meet the 1.35 DSCR (Debt Service Coverage Ratio)
•6. have deferred maintenance or zoning problems
•7. lack the ability to qualify with full documentation of income
•8. have seen their bottom line drop causing an inability to pay the mortgage on their owner occupied building
•9. have tenants that are requesting a reduction in rents due to declining market rates
•10. have seen a large reduction in their property value due to widening capitalization rates
•11. are unable to sell their property due to being over leveraged
•12. have had construction draws cut off
•13. have ballooning notes
•14. have judgments, liens or lis pen dens
•15. have too many personal obligations to qualify due to their reduced liquidity
•16. have too many personal obligations to qualify due to their reduced liquidity
Having an experience law group go to bat for you/your clients is the difference maker.
Our goal is to present lender with a case file from our analytics team and auditing staff with overwhelming evidence supporting the mutual beneficial scenario a workout or debt restructure would provide. We propose an option that works best for your client while protecting the current lenders fiduciary responsible to its Master & Special Services along with its Bondholders.
Whether it is a rate reduction, forbearance agreement, principle reduction discounted pay off, subordinated note, extended terms, or discounted note sale, we look to protect your or your clients interest in retaining their properties at terms that allow them to succeed in this marketplace. In most cases we will set them up for continued success through one of our Bridge Lending partners who may even have the interest in providing permanent or long term financing.
Documents Required For Work Out Program
•· Most Recent Mortgage statement for each lien
•· Appraisal
•· Promissory Note
•· Any Personal Guarantees that were signed
•· Copy of the listing (in a short sale)
•· PFS statement for the client
•· Credit Report
Areas of Practice in addition to Commercial Loan Work-Outs:
Partner Dissolution
Reverse Mergers
Venture Capital Placement
Public Offerings
PROFESSIONAL SERVICE
Contact:
Lisa at 602-367-6180 Email lisa@commercialfinanceconsultant.com
OR
Steve Sills at 480-201-5777 Email: ssills@cox.net
What my clients are saying
"When my wife and I purchased our first commercial real estate investment, I did my homework and searched for a reputable lender. After many discussions with other investors, Lisa at I and S Commercial Finance, Inc. "ISCFI" came highly recommended from a one of my business associates at Columbia Pictures. He too is one of her clients and stated her industry knowledge and efficiency in structuring apartment building loans as well as getting deals closed in a timely manner was my deciding factor on choosing Lisa.
Not only did she explain each process of this somewhat complex situation, she had dedicated her services to us 24/7.
Just to test, I called her on the weekend and in the evening hours after 9pm. She was there for us every step of the way! We are now the proud owners of our first apartment complex. When she asked us if we would mind writing a letter of referral and reference, we were obliged.
Jason and Sherri Lombardi, CA
"Lisa made the stress and thought of home financing simple! Being in the music industry sometimes has its draw backs as far as privacy, however Lisa was very professional and very discreet in handling all aspects of my financial needs. She also went above and beyond by locating a realtor that I could work with on the purchase of a new home." I have already and always will refer her to my friends and family, and will only use Lisa for my future financing needs."
Phil McCormack " Molly Hatchet "
" Knowledge and professionalism along with VIP treatment is what we received from Lisa. I will recommend her to my family, friends and people in my industry!"
Shannon Larkin " Godsmack"
"Lisa assisted my parents with their refinance allowing them a more manageable loan with substantial savings with the utmost of respect for my parents'. We have several properties and she will be handling all of our financing needs in the future. Thank you for service Lisa. "
Michelle, Buckeye, AZ
"When trying to payoff our debts and liens via refinancing, everyone told us no. They couldn't help us out due to to many mortgage late payments and a mess with the trustees pay history, Lisa was the only one who said she could help us out and she did. She refinanced our mortgage and helped us payoff a bankrupcty and start over fresh. By doing the refinance, we were able to save over a thousand dollars a month! She was determined in helping us out and for that I am very grateful! I will only use Lisa for any of my future financing. Thank you Lisa. You did everything you said you would and more."
John and Kathy, Chandler, AZ
"With a bankruptcy hanging over my head and rising monthly payments, I was at my wits end! Lisa showed me my options that would prove invalueable, a fresh start. Thank you Lisa! You gave me a second chance"
Kathleen, Gilbert, AZ
"Thanks Lisa, my mortgage refinance could have been a nightmare, however, you made sure to streamline it every step of the way while at the same time, addressing and easing my peace of mind. You acknowledged and handled my concerns during a time when the mortgage industry for SUPER JUMBO LOANS at 100% seemed almost impossible as your industry made changes, it seemed daily. Thank you again!"
Michelle Sarocka, Scottsdale, AZ
