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Will You Add? - Commercial Mortgages - Four Important Strategies for Small Business Borrowers
Anyone who watches or reads the news today hears about how the sourcing of materials from overseas, particularly from Asia, has impacted the amount of manufacturing jobs available in America. What manufacturing insiders worry about the most when it comes to sourcing from overseas is more closely related to inventory levels. While purchasing material overseas may bring a company advantages in terms of lower prices, the negative impact is the growth of inventory carried o
THREE:
Seller seconds and other variations of subordinate financing should be allowed. This will permit the most aggressive Combined-Loan-to-Value (CLTV) for commercial mortgages, up to 95% of the property value. This is important if you are the buyer because it will provide another financial tool to help with financing. It is important to the seller because it might enable someone to buy the property who could not otherwise do so.
FOUR:
Commercial mortgage borrowers should seek out lenders using Stated Income c
Self-storage is simply, the ability to rent a secure, dry, clean room in a warehouse, giving you the ability to access your possessions whenever you need to. The idea is generally that you personally lock the room with your own padlock and keys and the storage facility company will take care of security and safety issues for you. Self-storage is used by many different people, from businesses to private individuals, and for a number of reasons-such as, moving house or of
Aside from special situations like that, the following advice about four important strategies is based on commercial mortgage qualities considered to be repeatedly critical to the long-term success of a business. There is no attempt to rank these four commercial mortgage strategies in any particular order.
ONE:
Commercial mortgage borrowers should seek out long-term commercial mortgage loans that are not subject to recall or balloon payments. Commercial properties should not be financed with short-term funds. It is essential to obtain long-term financing of at least 15-20 years (and longer is even better). This is a prime example of using contingency planning to help commercial borrowers adapt to unknown future circumstances. Commercial borrowers should expect to encounter higher interest rates for longer-term financing (when compared to short-term traditional bank loans). However, most commercial borrowers will be pleasantly surprised when they see lower monthly payments in spite of a higher rate. The resulting improvement in positive cash flow can be the critical difference that creates a truly successful business investment.
TWO:
Commercial real estate loans under one million dollars should be assumable. This strategy is primarily about flexibility and providing for a more orderly transfer of a business to someone else in the future. It is also an example of using contingency planning to select a commercial lender by anticipating future circumstances and selecting a commercial real estate loan that will help a commercial borrower adapt to those circumstances.
THREE:
Seller seconds and other variations of subordinate financing should be allowed. This will permit the most aggressive Combined-Loan-to-Value (CLTV) for commercial mortgages, up to 95% of the property value. This is important if you are the buyer because it will provide another financial tool to help with financing. It is important to the seller because it might enable someone to buy the property who could not otherwise do so.
FOUR:
Commercial mortgage borrowers should seek out lenders using Stated Income co
Give your customers a choice in how you correspond with them. Although email has received a lot of bad press, there’s still no better or cheaper way to communicate. Ask your customers for their preference, would they rather receive updates, newsletters and discounts via regular mail or email?While there is still some negative thinking associated with email marketing, most everyone (at least those under 60) is pretty much in agreement that email communication has
Aside from special situations like that, the following advice about four important strategies is based on commercial mortgage qualities considered to be repeatedly critical to the long-term success of a business. There is no attempt to rank these four commercial mortgage strategies in any particular order.
ONE:
Commercial mortgage borrowers should seek out long-term commercial mortgage loans that are not subject to recall or balloon payments. Commercial properties should not be financed with short-term funds. It is essential to obtain long-term financing of at least 15-20 years (and longer is even better). This is a prime example of using contingency planning to help commercial borrowers adapt to unknown future circumstances. Commercial borrowers should expect to encounter higher interest rates for longer-term financing (when compared to short-term traditional bank loans). However, most commercial borrowers will be pleasantly surprised when they see lower monthly payments in spite of a higher rate. The resulting improvement in positive cash flow can be the critical difference that creates a truly successful business investment.
TWO:
Commercial real estate loans under one million dollars should be assumable. This strategy is primarily about flexibility and providing for a more orderly transfer of a business to someone else in the future. It is also an example of using contingency planning to select a commercial lender by anticipating future circumstances and selecting a commercial real estate loan that will help a commercial borrower adapt to those circumstances.
THREE:
Seller seconds and other variations of subordinate financing should be allowed. This will permit the most aggressive Combined-Loan-to-Value (CLTV) for commercial mortgages, up to 95% of the property value. This is important if you are the buyer because it will provide another financial tool to help with financing. It is important to the seller because it might enable someone to buy the property who could not otherwise do so.
FOUR:
Commercial mortgage borrowers should seek out lenders using Stated Income c
You can see immediate results in your bank account by remembering that not everyone is like you. The very things that may help you make a sale to one person may just as easily disqualify you from the next. Bob may love to "shoot the breeze" before he gets into any specifics about what he wants to buy or you want to sell. Susie on the other hand may think "shooting the breeze" is a waste of time and because you waste time, she can only expect that your product or serv
TWO:
Commercial real estate loans under one million dollars should be assumable. This strategy is primarily about flexibility and providing for a more orderly transfer of a business to someone else in the future. It is also an example of using contingency planning to select a commercial lender by anticipating future circumstances and selecting a commercial real estate loan that will help a commercial borrower adapt to those circumstances.
THREE:
Seller seconds and other variations of subordinate financing should be allowed. This will permit the most aggressive Combined-Loan-to-Value (CLTV) for commercial mortgages, up to 95% of the property value. This is important if you are the buyer because it will provide another financial tool to help with financing. It is important to the seller because it might enable someone to buy the property who could not otherwise do so.
FOUR:
Commercial mortgage borrowers should seek out lenders using Stated Income c
Harry Truman stated, "The only new thing in the world is the history that you don't know."
Truman spent many years studying the history of those who preceded him. His study paid off. Truman today is regarded as one of America's greatest Presidents.
The reason history is important is because we live in a cause-and-effect universe. Similar choices produce similar results at the individual (micro) level and at the national (macro) level. History is the sto
TWO:
Commercial real estate loans under one million dollars should be assumable. This strategy is primarily about flexibility and providing for a more orderly transfer of a business to someone else in the future. It is also an example of using contingency planning to select a commercial lender by anticipating future circumstances and selecting a commercial real estate loan that will help a commercial borrower adapt to those circumstances.
THREE:
Seller seconds and other variations of subordinate financing should be allowed. This will permit the most aggressive Combined-Loan-to-Value (CLTV) for commercial mortgages, up to 95% of the property value. This is important if you are the buyer because it will provide another financial tool to help with financing. It is important to the seller because it might enable someone to buy the property who could not otherwise do so.
FOUR:
Commercial mortgage borrowers should seek out lenders using Stated Income c
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THREE:
Seller seconds and other variations of subordinate financing should be allowed. This will permit the most aggressive Combined-Loan-to-Value (CLTV) for commercial mortgages, up to 95% of the property value. This is important if you are the buyer because it will provide another financial tool to help with financing. It is important to the seller because it might enable someone to buy the property who could not otherwise do so.
FOUR:
Commercial mortgage borrowers should seek out lenders using Stated Income commercial loans and limited documentation requirements. Very few traditional banks use Stated Income (no income verification and no tax returns) for a commercial real estate loan. Most commercial lenders will perform a thorough income verification as part of their underwriting process. This will typically include copies of tax returns as well as a requirement to sign IRS Form 4506 which authorizes the lender to obtain tax returns directly from the IRS. Many traditional banks will have loan covenants stipulating that the lender must receive financial data even after the loan closing and that the loan can be recalled if the audit of this data is not satisfactory to the lender.
Copyright 2005-2006 AEX Commercial Financing Group, LLC. All Rights Reserved.
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