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This weeks most popular article - Why You Should Join the Non-Recourse Loan Club?

Congratulations! If you are reading this and wanting to learn more about non-recourse financing – you have the opportunity to join one of the most exclusive groups in America – The Non-Recourse Loan Club.

There isn’t really a club. It is just that Non-Recourse Lending is one of the best-kept secrets that an elite group of mostly wealthy developers and investors of commercial real estate reap the benefits READ MORE

Which Apartment/Multifamily Loan is Right for You?

Since 1997, we have shopped our network of affiliated lenders to land our clients the best deals on apartment loans for buildings of 5 units or more, and $500,000 plus.

Apartment Loan Store has specialized in the lowest rate multifamily loans for over 20 years.   Do you want a 30 year fixed rate mortgage with a 30-year amortization?  Well, we have that. An interest only loan? Yes, we can do that. A bridge loan to acquire a property that needs rehab so you can fix and flip? Well, we have that too. Do you own a piece of land that you want to build an apartment building on, but you do not have the experience as a developer, and need to bring in investors? Well… you guessed it, we are really good at that too. Do you want the whole transaction to be non-recourse (no personal guarantees) Yes, that too? As an advisory firm, we will even help put your investment or development team together, help you with your pro forma, and analyze the property for value and financing.  READ MORE

Cap Rate stands for capitalization rate and is used in commercial property valuations. Cap Rate is simply the net operating income (income minus expenses) divided by the purchase price or appraised value.

“There must be some mistake” Rick, my client said to me. “How can my property only be worth $5.25 Million when the exact same property 4 miles away sold for $5.6 million last year.” In fact, he was right on. He had gotten the blue prints to build his new 36 unit multifamily complex from his brother-in-law who had built and sold the exact same design last year. Rick’s apartment... more

January 20, 2019

DSCR - most important factor for a prospective commercial lender to determine

Why is a DSCR - Debt Service Coverage Ratio needed?

DSCR stands for Debt Service Coverage Ratio and is the most important factor for a commercial lender to analyze the risk level of your business or investment property loan.  It is the DSCR that tells the lender that the net income  is more than adequate to support the loan payments.... more



Use our Cap Rate Calculator to check your property





“Are you kidding me?” my client asked.  “You’re telling me that the property taxes are going up by $19,500 when the county reassess the property I’m buying based on the purchase... more

February 24, 2018

Effective Gross Income is much simpler than it sounds, but also a lot more important than it may sound. It is the actual—and I mean actual—amount of money an investment real estate property has grossed in the past 12 months. Keep in mind that realtors when selling an investment or commercial property may brag that the property is fully rented and show you a pro forma or projection based on the... more

February 19, 2018

So you're applying for a commercial real estate loan and you are told "this is a recourse loan." What is recourse?  Is this good or bad?  Does this matter?  Do you have a choice? Yes, it does matter. Often borrowers do not realize when they apply for an investment property or business loan, that if they default on the loan they can lose more than the real estate or equipment that is... more

February 15, 2018

Commercial real estate loans differ in so many ways from residential loans. It is a different world, or you could say "a different planet.” Here are some differences:

1. On a historical basis, commercial loans have been done with concern to the property first and foremost. And residential loans have been done with concern to the borrower. Since the recession though,... more