Vectors and 3D Models
Local Search - Finance
Weather Information
Get the App for Smartphones and Tablets

Go Back

WhmSoft Free Articles Directory
Free Articles for Reprint
Free Articles to Publish
Free Articles for Newsletters
Videos to Watch

Page Generation Date and Time:
06/04/2020 07:12:05

Free the Animation VR / AR
Play to reveal 3D images and 3D models!
Demonstration A-Frame / Multiplayer
Android app on Google Play
vlrPhone / vlrFilter
Project of very low consumption, radiation and bitrate softphones, with the support of the spatial audio, of the frequency shifts and of the ultrasonic communications / Multifunction Audio Filter with Remote Control!

Alexa Data

Go To Articles Directory Home Page

To get the current article, - See Below (at the bottom of the page) -.
For top news titles, see below.
Web sites and videos listed in this page are frequently updated.
If you find that this page is useful (quality of web sites, images and videos, ...), you can add it to your favorites.
Bookmark Page !

Tell a Friend:

With your mobile phone (WAP / I-Mode / iPhone / PDA), for free:
The Top News -
The Daily Files -
All the Directory Files -

Web version of feeds:
Podcast Music -
Daily Files -

You can play the Guitar Drum Revolution game (flash game) by following the link below:
Play Guitar Drum Revolution Game

You can play free online games (flash games) by following the link below:
Free Online Games

Play the samples below:
SheepishMegaman Project XPharaohs TombLa Chambre D AliciaTurtix

You can view the people (celebrities) news and the front page news (with videos, images and constant updates) by following the link below:
View Recent News
or by visiting the WhmSoft Service blog:
News Photos Slideshows

Article Keyword Videos to Watch
Click on the image to start the video.

Related Topics
Images - Links - Articles

Las Vegas

Related Images

Article Category Videos to Watch
Go to the Videos Pages

Commercial Loans: There are Some New Sheriffs in Small Property Town!

It was hot and dusty in the wide open street. The steely-eyed man with the badge standing in front of the small retail center was perfectly still, totally focused on the bank underwriter who had stopped his scribbling on the yellow pad. The underwriter looked scared ... very scared as the Sheriff said: "Put the pen down, pahdner ... and put it down real slow-like."

OK ... so it's a bit dramatic. But there is a new class of lender in the small commercial loan market, one that I call "Hybrid Lenders." For loan amounts up to .5MM on commercial properties, we can get the Loan-to-Value (LTV) as high as 90% in some cases regardless of the property's cash flow. For those of you who have been in the business for a while, you might be somewhat shocked at that statement. But there may be some of you who are thinking: "Big deal, Higdon. I can get that and even better on my home!"

That's true. But then you probably don't know that until recently, most lenders in commercial real estate based their loan amounts on the property's ability to pay the loan payments without regard to how much the buyer made. So even if the borrower made an extra million dollars a year, traditional lenders wouldn't increase a commercial loan amount past their guidelines. On top of that, you'd usually see a maximum LTV of 75% on most commercial properties, with 80% being the top on apartments. So what changed?

These new lenders blend commercial underwriting with residential. They look at the whole picture when considering "free" cash flow and the borrower's ability to pay the payments on the loan. They also require full recourse, meaning that they'll come after the borrower's other assets in the event of non-payment, and they charge more in rate. The good news in all of this is that you can get into commercial real estate with far less capital than you have in previous years.

About the Author: WANT TO USE THIS ARTICLE IN YOUR E-ZINE OR WEB SITE? You can, as long as you include this complete statement with it: ’Craig Higdon, “The Investment Property Insider,” works as a commercial mortgage broker. He publishes the weekly “Investment Property Insider” e-zine and blog, Visit the blog and get a complimentary report on commercial financing techniques.’

Recommended Web Site(s):

Easy Articles Home Page - Articles Directory

Recommended WhmSoft Web Sites, Feeds and WAP Address:

WhmSoft Software Home Page - Software
WhmSoft Services Login Page - Music and Images
WhmSoft Moblog Home Page - Blog - Photo Gallery
WhmSoft Free Online Games Home Page - Flash Games
WhmSoft Services RSS Feed - Daily Music, Image and 3D Flash Animation
Classical Music with Drum RSS Feed - MIDI and MP3 Files
Classical Music with Drum Podcast Feed - MP3 and MP3 Files
WAP / I-Mode / PDAs - Daily Music, Image and Flash Animation

Home Pages:

WhmSoft Free Articles for Reprint Home Page
WhmSoft Services Home Page - Music and Images
Copyright (C) 2006-2020 WhmSoft - All Rights Reserved.