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Commercial Loan Blog

February 19, 2018

By Terry Painter, Mortgage Banker

Member of the Forbes Real Estate Council

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... more

February 15, 2018

By Terry Painter, Mortgage Banker

Member of the Forbes Real Estate Council

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... more

February 9, 2018

By Terry Painter, Mortgage Banker

Member of the Forbes Real Estate Council

To finance an apartment building you need to complete 7 tasks: analyze the income of the property, analyize market rents, estimate the appraised value, analyze the condition of the property, analyze your financial strength, research lenders, and apply for the best loan that you qualify for.

 

7... more

December 29, 2017

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 collateralizing the financing.... more

December 15, 2017

By Terry Painter, Mortgage Banker

Member of the Forbes Real Estate Council

At Apartment Loan Store, some of our funds for permanent and bridge loans for financing apartment buildings come from REITS. These loans have great rates and reasonable terms with one to 10 year fixed rates and usually a 25 – 30 year amortization.   

REIT stands for Real Estate Investment Trust.... more

December 12, 2017

By Terry Painter, Mortgage Banker

Member of the Forbes Real Estate Council

What is debt service ratio (DSR)? Well, let us start out by saying that although Debt Service Ratio is used more than half of the time by bankers, mortgage brokers and realtors, the correct term is Debt Service Coverage Ratio (DSCR). When you apply for a commercial mortgage, the DSCR is the most important calculation... more

December 6, 2017

By Terry Painter, Mortgage Banker

Member of the Forbes Real Estate Council

What is Yield Maintenance? Why is it so difficult to get a straight answer on this?

So imagine you are taking out a commercial loan and you’re told that the prepayment penalty is yield maintenance. No one—and I mean not even the lender—can likely give you an explanation that gives you that feeling of... more

October 18, 2017

Commercial Real Estate – The Hidden Trap That Turns Your Investment Into a Las Vegas Crapshoot

There is a hidden trap that many commercial real estate investors are not aware of. Not being aware of it will quite possibly cause them to experience big monetary loss.

A substantial number of commercial real estate investors will try to get the biggest loans possible to acquire... more

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