ca: Bridge Loans for Commercial Real Estate - 07/01/15 02:37 AM
Bridge Loans for Commercial Real Estate - Acquisition & Rehab to 100% of Cost
Sound to good to be true?  Maybe it is and maybe it isn't, the devil is always in the details.   There are a lot of bridge lenders (... and pretenders ...) touting their bridge loan product with "100% of rehab cost" included.  Many brokers and borrowers are reading into this, thinking that the loan is a 100% LTV, however, closer examination reveals something entirely different.
Bridge loans for commercial real estate acquisition and rehab are coming back into the market at a very rapid pace and that is a … (0 comments)

ca: Multifamily Financing - FHA/HUD vs Freddie Mac - 06/13/15 05:18 AM
Multifamily Financing - FHA & HUD Programs
FHA and HUD have some fantastic programs to finance multifamily residential properties.  On the positive side they rates that can be sub 4% in some cases.  They also fix those rates for the entire term of 35 years!  That is amazing but it gets better, multifamily residential investors can get LTV (loan to value) ratios as high as 90%.  That's a low down payment of only 10% of the overall cost.
With all these great terms comes a serious downside.  The multifamily residential investor must commit the development to various types of rental assistance programs and in … (0 comments)

ca: Bridge Loans & Commercial Real Estate Investment - 06/08/15 02:46 AM
Bridge Loans & CREI
Bridge loans are a necessary financial tool for any commercial real estate investment enterprise.  Often times commercial real estate investor frown upon the use of bridge loans.  The common complaint is the 'cost of the money' being to high.
However, when the cost of losing a transaction is calculated, all of the sudden a loan with a higher, interest-only, interest rate doesn't look so bad.  The point here is not to argue whether interest rates on bridge loans are high, we all can agree that they are some of the highest in the market today.  The problem is the … (0 comments)

ca: Apartment Bridge Loans - Bridge Lending for Multifamily - 06/06/15 05:48 AM
Apartment Bridge Loans = Bridge Loans for Multifamily
Whether its a bridge loan for an apartment building purchase or a bridge loan for multifamily residential development re-positioning, most bridge loans take on the same characteristics.   When one thinks about bridge loans they should be thinking of a short term loan that helps them span a gap.
The gap can be simply from distressed asset purchase to stabilization or the bridge loan may be used for a quick close until some more patient money with better terms can be put in place.  Regardless of how one uses an apartment bridge loan or deploys bridge lending for multifamily … (0 comments)

ca: Multifamily Financing and Apartment Loan Lenders - 06/04/15 07:48 AM
Multifamily Financing for Apartment Buildings and Apartment Complexes
Multifamily financing and apartment loans are confusing terms and many commercial real estate investors don't understand the difference between the two terms.  The dirty little secret is this... there is really  no difference!
If there is no difference between the basic apartment loan and standard multifamily financing then why do the two terms exist.  The terms exist because many real estate investors 'self-identify' in certain ways and multifamily financing and apartment loan lenders want to capture all those investors in need of a loan.
In general, those commercial real estate investors that invest in large and … (0 comments)

ca: Apartment Loans - Small Balance Loans - 05/28/15 08:16 AM
Searching for apartment loans in the small balance loan category?  First understand the definition and what constitutes a small balance loan? 
Apartment loans and multifamily financing for loans less than $5 million has been difficult in recent years, especially those apartment loans with exceptionally low rates and competitive overall terms.  That has now changed!
Multifamily financing and small balance apartment loans are now an aggressive loan financing category with lenders fighting for the business.  Rates can be as low as 2.875% with fixed periods of up to 10 years, add to that a long amortization period and the newly minted small balance apartment loans become … (0 comments)

ca: Apartment Loans - Acquisition & Refinance - 05/26/15 05:12 AM
Apartment Loans - Acquisition
Apartment loans for acquisitions of additional apartment buildings are available and funding in the small balance loan space is aggressive.  Those commercial real estate investors who are acquiring apartment buildings and apartment complexes in the $1 million to $5 million range can now find easier qualification and more choices.
With loan to value ratios reaching 80% and loans with fixed terms up to 10 years and amortization periods of 25 years, these new apartment loans for acquisition of additional doors are helping real estate investors grow their portfolios in the B/C apartment building and apartment complex space.
Apartment Loans - Refinance
Additionally, … (0 comments)

ca: Physician Loans with Fast Closings - 05/25/15 06:09 AM
Physician Loans - Fast Closing & Easy Qualification
Physician loans with fast closings and easy qualification for doctors who have some credit challenges are easy to obtain through FastLoans.capital and their fast closing Physician Loans program.  This physician loan is designed to allow doctors to borrower up to $250,000 to take care of immediate physician practice financial needs.
Consolidate debt, buy new equipment or expand an existing physician practice with this fast closing, easy qualifying physician loan.  Some doctors use this financing to consolidate debt in order to improve their credit scores and quickly eliminate debt so that they can focus on correcting … (0 comments)

ca: Business Loans - Restaurants, Storage, Commercial, Retail, Industrial - 07/10/12 05:33 AM
Borrowers looking for low cost Business Loans now have a great opportunity in a new SBA 504 program being offered through Dividend America Commercial Lending.  Small Business Administration loans offered through the revised SBA 504 program are great for all types of businesses.
With the new low cost Business Loan developed using revised rules from the Small Business Administration, borrower can not get loans with lower origination fees and very low fixed interest rates amortized over longer periods.  Busines Loans, especially those for small business are critical to the countries recovery and the SBA (Small Business Administration) has tasked lenders with … (0 comments)

ca: Debtor in Possession Financing (DIP) - Debtor in Possession Loans - Equipment Financing - 03/09/12 02:51 AM
Debtor in Possession Financing (DIP) aka/ Debtor in Possession Loans can be used for everything from short-pay of senior debt on a building or facility to Equipment Financing.  Dividend America Commercial Lending has a staff of trained professionals that understands Debtor in Possession Financing or DIP Financing and provides debtor in possession loans for almost any situation.
Most debtors in possession of assets involved in a Chapter 11 bankruptcy get offers of reduced payoffs ... or short-pays ... through the receiver in the bankruptcy case.  Debtors in possession then seek out Debtor in Possession Financing (DIP) - Debtor in Possession Loans as a way to … (0 comments)