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Commercial Loan Blog

Published February 28, 2013

If you would you like to save time and money in purchasing or refinancing apartment loans, read this post.

Since the recession hit in 2008, it has been more difficult to get an apartment loan. Even wealthy, experienced multifamily investors often have a tough time now getting an apartment loan. They may have high net worth, but they lack the amount of liquidity needed. Or the property they want to refinance is now more difficult to refinance because of tougher requirements of the lender.

Therefore it is essential that, well before you wish... more

Published January 17, 2013 

In commercial finance, they say cash flow is king. But what exactly is cash flow in the eyes of a financier?

The net operating income is the dollar amount used to calculate repayment ability. This is the gross income less the normal operating expenses. What are normal operating expenses? Well, many times it is in a property owner’s best interest to report as much expense as possible in order to avoid tax liability. It is a good thing to pay the least amount of taxes possible—until it comes time for financing.

The most common expense reported... more

Published January 12, 2013 

Before reading this article, would you like to see if you qualify for a commercial loan? If you are curious about commercial loans, call 1-866-811-9515 now.

This blog is about the mortgage loan advantages of apartment loans over single-unit building loans. From the investor’s perspective, there is a lot written about why it is advantageous to buy apartment buildings instead of buying just one unit at a time. But did you know there are powerful mortgage loan advantages of having apartment loans versus single-unit building loans?

1. Just as... more

Published January 5, 2013 

Call 866-811-9515 today to see if you pre-qualify for commercial loans – especially an apartment loan.

Did you know that back in the Depression, Roosevelt made it possible for increased numbers of people to own homes? At the time, as you can imagine, there were a tremendous number of foreclosures, and not many people could afford to own their own homes.

The Home Owners Mortgage Act was passed, and it makes it more affordable to own a home. The loans were fixed for a much longer period of time than before – 20 to 25 years and, later, 30 years... more

Published December 22, 2012 

Apartment loans are so much easier to qualify for, to purchase, to refinance, and to sell than most any other type of commercial loan.

See if you can get pre-approved for an apartment loan today. Call now: 866-811-9515

Getting back to the topic of this blog – just like it’s easier to repair a lawn mower than an automobile, it’s because there are so many less moving parts.

Have you ever seen a circus act where the entertainer has five plates spinning on poles, is balancing a sword on his nose, and is standing on top of the shoulders... more

Published December 21, 2012 

Apartment financing is definitely challenging for the average investor in today’s economy. Prior to the recession of 2008, apartment financing approvals were made first to the solidness of the apartment complex’s income, second to the quality of the property, and third to the borrower.

After the recession, the borrower became the most important of the three major qualifications. Today this is still the case. This is because so many apartment owners became financially insolvent as a result of the recession. Many had a business that was running at a... more

Published December 17, 2012 

The lowest apartment loan rates (commercial apartment complexes of five units or more) are without doubt HUD/FHA loan programs for refinancing and purchasing apartment buildings. This program is known as the HUD 223f. The rate as of the date of this blog article is 2.75% for a 30–35 year fixed with a 30–35 year amortization. HUD will also mandate a monthly mortgage insurance premium, so that will add .60% on to the rate. Therefore the all-in rate today is 3.35%.

Now when you consider that bank rates are averaging today between 3.75% and 4.75% on a... more

Published December 14, 2012 

The simple answer is that it takes about 60 days to close an apartment loan. At times, unforeseen delays can make it longer. If we give your loan priority status, perhaps it can close in as little as 50 days. However, the amount of time can vary greatly, depending quite a bit on the experience and sincere effort of your commercial mortgage broker.

If you have an inexperienced commercial mortgage broker who doesn’t use great, persistent effort to close the loan in a timely manner, your loan could take many extra months. The danger of picking an... more

Published April 20, 2012 

Welcome to part three of How to Get a Recession-Proof Strategy for Acquiring Your Apartment Loans. In this day and age of a stressed economy, it can be quite challenging to acquire an apartment loan, because loan sources have become so much more stringent. All you have to do is look at the list of hundreds of banks that have closed since 2008 to understand why they have become so strict. Why did these banks close? Mostly because their lending policies were too liberal. Many property owners, residential as well as commercial, have walked away from their... more

Published April 12, 2012 

Last week we covered why it is important to get a recession-proof strategy for acquiring apartment loans. In our challenging economic environment, quite a few loans are turned down because investors don’t qualify. But if you know what it takes to qualify, and have a good strategy that you follow to make sure you qualify, you can win at the game of getting an apartment loan.

This week we will go into the importance of gaining the knowledge needed to win the apartment loan of your dreams. The knowledge you have is pivotal to your success. I come across... more

Published April 5, 2012 

Why is it important to form a recession-proof strategy for acquiring your apartment loans? Because since the recession hit, many more loans are turned down. It’s tougher for a borrower to qualify in this economy. At Apartment Loan Store and Business Loan Store, we’ve seen quite a few people who once would have qualified for an apartment loan but do not qualify today.

There is hope to this story. If you know the loan requirements for this recessionary period, form a strategy to implement them, and implement them, you can achieve your apartment loan... more

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