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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.
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
How Millennials Are Changing Commercial Real Estate: Crowdfunding
Millennials, those born between 1982 and 2004, entered the job market during one of the most difficult times that the nation experienced – the Great Recession. Loaded with student debt, no savings, big dreams, and skills learned while taking unpaid internships, millennials were trying to navigate the jobs market when large businesses were letting seasoned staff go. However, with their
Interest Rate Swaps and How to Use Them
If you have a loan with a variable rate, there’s a good chance that you keep a close eye on interest rates. A change in interest rates will impact your borrowing costs and make your monthly payments uncertain. Changes in variable rate indexes can make it difficult to forecast debt service levels. An interest rate swap could be a good
How to Sell Seller Carry-Back Mortgages
Getting a mortgage from a bank isn’t the only way to finance the purchase of a home. In fact, seller-financing in real estate is a hot topic and can often be a viable alternative to a traditional mortgage loan. Here is what you should know about a seller carry-back mortgage and how to sell one effectively. Seller Carry-Back Mortgages
Commercial Property Mortgage Rates: How Do They Work?
Commercial mortgages are a complex process and there are many things to consider when deciding whether it’s the best choice for your business. To help you understand what commercial property mortgage rates are and how they work, read on. Commercial Property Mortgages Commercial property mortgage rates are not consistent in the same way as residential mortgages. Generally with
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
How Risk Retention Affects Lenders, Borrowers, and Bond Investors
Previously, one of the largest benefits of being a CMBS lender is having the money that is loaned to the real estate investors replenished once the bonds are sold to investors on the open market. Because these loans are not kept in the lender’s portfolio, the money that is paid for the bonds heads back through the securitizers to replace
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
