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DON’T FALL INTO THE CAP RATE TRAP

By Terry Painter, Mortgage Banker

Member of the Forbes Real Estate Council

“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

By Terry Painter, Mortgage Banker

Member of the Forbes Real Estate Council

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... more

February 19, 2018

By Terry Painter, Mortgage Banker

Member of the Forbes Real Estate Council

Author: The Encyclopedia of Commercial Real Estate Advice – a WILEY book – OUT NOW!

 

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... 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

Apartment loans - Apartment Loan Rates

By Terry Painter/Mortgage Banker   Member of The Forbes Real Estate Council

Author: “The Encyclopedia of Commercial Real Estate Advice” Publisher: Wiley

 

In Short, it takes these 5 components to finance an Apartment Building: 

1. A Great Property – that has 2 or more of these upsides: a good location, under market rents, already cash... 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

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