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Education

15
Apr

A Guide to Commercial Real Estate Loans in California

You can use standard commercial loans to purchase equipment, fund marketing campaigns, or sort out your cash flow issues. However, if you’re looking for ways to finance the purchase or lease of a commercial property, the standard business loan may be inadequate for your needs. This is where commercial real estate loans come in handy. Here’s some more information on this

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19
Nov

How to Prepare a Financial Package For a Commercial Loan

For many business owners, knowing the process of preparing a commercial loan package can be one of the most resourceful tools. Although this process may seem overwhelming and even frustrating, it is very important to get right when considering your financial future. When preparing your commercial loan application, here is what you need to know about preparing a financial package.

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5
Nov

Five Ways Commercial Real Estate is Different Than Residential

Commercial and residential real estate are different in more ways than one. When most people think about real estate, they picture a single-family home. However, that’s just one option when it comes to the many types of properties to invest or work in. Each industry has its own risks and benefits. Take a look at the ways in which commercial

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11
Aug

What Does the Current Economic Situation Mean for Commercial Real Estate Investors?

There’s no doubt that coronavirus has disrupted much of our daily lives. Just about every industry has been hit by the pandemic, and there’s no sure way of knowing the outcome. So far, residential prices have remained pretty steady, but many expert investors predict that will change. Similarly, the commercial real estate market has been significantly impacted by COVID-19-induced temporary

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6
Aug

How Risk Retention Affects Lenders, Borrowers, and Bond Investors

One of the most significant benefits of being a CMBS lender is having the money that is loaned to the real estate investors replenished as soon as the bonds are sold to investors on the open market. Because these loans are not kept in the lender’s portfolio, the money paid for the bonds heads back through the securitizers to replace

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16
Jul

What Are the Benefits of Micro-Apartments?

As large cities are increasing their population and urban living is becoming more popular, residing in a good location has become incredibly unobtainable for many. However, the rise in interest of tiny living spaces has boomed over recent months and years, and micro-apartments may be the next big thing.   Micro-apartments are small living spaces in desirable neighbourhoods that may

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9
Jul

Why is a Debt Service Coverage Ratio (DSCR) Needed?

DSCR, or Debt Service Coverage Ratio, is a calculation used typically in commercial lending transactions involving real estate. It measures a property’s cash flow compared to its current debt obligations. The evaluation of a company’s DSCR gives the lender a general idea on whether a business can pay a loan back on time and with interest. The higher the DSCR

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18
Jun

What is Non-Recourse Loan Financing?

What is a non-resource loan? Who are the lenders? What does it take to qualify? These are just some of the questions we get asked. From your mortgage professionals, we’ll give you the run down of what you need to know about non-recourse loan financing.   The Basics About Non-Recourse Loan Financing   A non-recourse loan is a loan secure

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4
Jun

What is a Treasury Swap Rate?

The U.S. Treasury Yield is calculated by the U.S. Department of the Treasury from the daily yield curve. It is also referred to as the Treasury Yield Curve Rate, Constant Maturity Treasury Rate, or CMTs. These rates are essentially the return an investor would receive from the purchase of a U.S. government debt obligation, such as a bill, note, or

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