All Discussions Tagged 'banking' - Real Estate Finance2024-03-28T13:19:44Zhttps://realestatefinance.ning.com/forum/topic/listForTag?tag=banking&feed=yes&xn_auth=noValue Commercial Property Using Gross Rent Multiplier (GRM) Formulatag:realestatefinance.ning.com,2016-10-03:6517464:Topic:2831702016-10-03T13:27:25.935ZWinston Rowehttps://realestatefinance.ning.com/profile/WinstonRowe
<p><span>The Gross Rent Multiplier (GRM) is a capitalization method used for calculating the approximate value of an income producing commercial property based on the property's gross rental income.</span><br></br><br></br><span>To calculate the value of a commercial property using the Gross Rent Multiplier approach for valuation, simply multiply the Gross Rent Multiplier (GRM) by the gross rents of the property.…</span><br></br><br></br></p>
<p><span>The Gross Rent Multiplier (GRM) is a capitalization method used for calculating the approximate value of an income producing commercial property based on the property's gross rental income.</span><br/><br/><span>To calculate the value of a commercial property using the Gross Rent Multiplier approach for valuation, simply multiply the Gross Rent Multiplier (GRM) by the gross rents of the property.</span><br/><br/><strong><a href="http://www.winstonrowe.com/Free_Real_Estate_Resources.html" target="_blank">How to calculate the Gross Rent Multiplier (GRM):</a></strong><br/><br/><span>In this example, the GRM for a property with a listing price of $640,000 and $80,000 in gross rental income is 8. Next, simply average the respective gross rent multipliers together and you will have a good indication of the local market GRM for your property type.</span><br/><br/><span>To calculate the Gross Rent Multiplier, divide the selling price or value of a property by the subject's property's gross rents.</span><br/><br/><span>The GRM calculation of value</span><br/><br/><span>Property Value = Annual Gross Rents X Gross Rent Multiplier (GRM)</span><br/><br/><span>$640,000 = $80,000 X 8 (GRM)</span><br/><br/><span>In this example - using a GRM of 8 - a property that generates $80,000 a year in gross rental income has a value of $640,000.</span><br/><br/><span>Calculate a GRM</span><br/><br/><span>To calculate a GRM, take the listed selling price and the annual gross rental income and divide one into the other, the equation looks like this:</span><br/><br/><span>GRM = Sales Price / Annual Gross Rents</span><br/><br/><span>8 = $640,000 / $80,000</span><br/><br/><span>The major difference in valuation between the income approach to valuation via the appraisal and the GRM approach to valuation is the former uses net income in the calculation of valuation while the latter uses gross income.</span><br/><br/><span>Winston Rowe & Associates has a core business focus providing expert knowledge, while leveraging their strategic capital source relationships, providing clients with the most competitive rates and terms in the commercial real estate markets.</span><br/><br/><span>They can be contacted at </span><b>248-246-2243</b><span> or visit them on line at </span><a rel="nofollow" href="http://www.winstonrowe.com/" target="_blank">http://www.winstonrowe.com</a></p> The hottest market in real estate!tag:realestatefinance.ning.com,2016-03-12:6517464:Topic:2591632016-03-12T18:25:36.117ZGary Crosshttps://realestatefinance.ning.com/profile/GaryCross
<p>In case you did not know success travels in trends. Where can you find a very desirable market that offers a quality of life unlike any other in the nation? Let's just qualify that statement by first defining quality of life. I describe quality as creature comforts without much hassle.</p>
<p>Beaches, great restaurants and shopping, easy access to highways, airports, great schools, large un-populated communities that offers ample room for expansion.</p>
<p>The market I am describing is ideal…</p>
<p>In case you did not know success travels in trends. Where can you find a very desirable market that offers a quality of life unlike any other in the nation? Let's just qualify that statement by first defining quality of life. I describe quality as creature comforts without much hassle.</p>
<p>Beaches, great restaurants and shopping, easy access to highways, airports, great schools, large un-populated communities that offers ample room for expansion.</p>
<p>The market I am describing is ideal for investment properties, relocation, new development and summer homes, rentals and not too mention far below national industry comps for similar environments.</p>
<p>Also in this market are some very wealthy, highly educated and community friendly neighbors.</p>
<p>This market is so well defined that we cal it " The Golden Isles of Georgia". You guessed it, I am speaking about Brunswick, Georgia which is in the heart of Glynn County, St. Simmons Island, Jekyll Island and a host of perfect get a ways that comes within every budget and price point. </p>
<p>Take a look at Brunswick Georgia and plan on increasing a minimum of 30% of your activity from this un tapped community that is overflowing with opportunity. </p>
<p>Take a look at <a href="http://www.brunswickhousingfair.weebly.com">www.brunswickhousingfair.weebly.com</a></p>
<p>also see <a href="http://www.totallyfreeinc.org">www.totallyfreeinc.org</a> </p>
<p>or contact me directly at <a href="http://www.coastalbusinesscenter@gmail.com">www.coastalbusinesscenter@gmail.com</a></p>
<p>Gary Cross 404-907-6881</p>
<p> </p>
<p> </p> Hard Money Lenders For Apartment Buildings No Upfront Feestag:realestatefinance.ning.com,2015-01-09:6517464:Topic:2115942015-01-09T13:31:36.701ZWinston Rowehttps://realestatefinance.ning.com/profile/WinstonRowe
<p>A hard money loan through <span style="color: #000080;"><strong><a href="http://www.winstonrowe.com" target="_blank"><span style="color: #000080;">Winston Rowe & Associates</span></a></strong></span> affords you he opportunity to access the funds necessary to take the next step as an Apartment Building owner.<br></br><br></br>Whether you need a loan to purchase or refinance a multi-unit apartment building, a mixed-use development, or any kind of commercial project, Winston Rowe & Associates…</p>
<p>A hard money loan through <span style="color: #000080;"><strong><a href="http://www.winstonrowe.com" target="_blank"><span style="color: #000080;">Winston Rowe & Associates</span></a></strong></span> affords you he opportunity to access the funds necessary to take the next step as an Apartment Building owner.<br/><br/>Whether you need a loan to purchase or refinance a multi-unit apartment building, a mixed-use development, or any kind of commercial project, Winston Rowe & Associates is there for you.<br/><br/><b>Apartment Building Financing Nationwide:</b><br/><br/>Quick turn-around times<br/><br/>No upfront or advance fees<br/><br/>All credit histories accepted<br/><br/>Loans ranging from $500,000 up to $5,000,000<br/><br/>Loan-to-value (LTV) up to 65%<br/><br/>1-3 year terms, interest-only<br/><br/>Purchase, refinance and cash out<br/><br/>Flexible underwriting<br/><br/>With the need for alternative sources of capital in the apartment and multifamily market has never been greater.<br/><br/>Winston Rowe & Associates is a capital source that provides flexible, reliable and timely solutions for owners of commercial real estate nationwide.<br/><br/>They quickly analyze and asses prospective clients transactions and provide immediate feedback within 24 hours.<br/><br/>They can be contacted at <b>248-246-2243</b> or check them out online at <b><a rel="nofollow" href="http://www.winstonrowe.com" target="_blank">http://www.winstonrowe.com</a></b><br/><br/>Winston Rowe & Associates provides no upfront or advance fee commercial Apartment Building financing in the following states.<br/><br/>Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming</p> Announcing Successful Funding of Vacant Industrial Property – Winston Rowe & Associatestag:realestatefinance.ning.com,2014-03-13:6517464:Topic:1612522014-03-13T16:47:25.358ZWinston Rowehttps://realestatefinance.ning.com/profile/WinstonRowe
<p>Winston Rowe & Associates, a national advisory and consulting firm has successfully completed the funding of a vacant industrial property located in Indiana.<br></br><br></br><b>Transaction Details:</b><br></br><br></br>The client approached Winston Rowe & Associates with a non bankable purchase financing request for a vacant industrial building.<br></br><br></br>Through their extensive contacts throughout the private capital markets, Winston Rowe & Associates was able to quickly provide a bridge loan…</p>
<p>Winston Rowe & Associates, a national advisory and consulting firm has successfully completed the funding of a vacant industrial property located in Indiana.<br/><br/><b>Transaction Details:</b><br/><br/>The client approached Winston Rowe & Associates with a non bankable purchase financing request for a vacant industrial building.<br/><br/>Through their extensive contacts throughout the private capital markets, Winston Rowe & Associates was able to quickly provide a bridge loan solution in just a few days, not weeks or months.<br/><br/>This was a typical hard to do deal that Winston Rowe & Associates sees every day.<br/><br/>They were able to complete the initial due diligence, then move the financing request into underwriting in just a few days.<br/><br/>The client had requested a Ten day close. Winston Rowe & Associates was able to meet this dead line and did provide the funding within the clients time frame objectives.<br/><br/>Winston Rowe & Associates has some of the most aggressive rates and terms available, while managing every step of the financing through their advisory and due diligence processes from document collection to commitment negotiation and closing.<br/><br/>When speed and experience are important and crucial to your commercial real estate investing success, a principal at Winston Rowe & Associates is always available to speak with prospective clients.</p>
<p>They can be contacted at <b>248-246-2243</b> or check them out on line at <strong><a href="http://www.winstonrowe.com" target="_blank" rel="nofollow">http://www.winstonrowe.com</a></strong><br/><br/>Winston Rowe & Associates provide commercial real estate financing solutions in the ensuing states.<br/><br/>Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming<br/><br/></p>
<div><b>Contact</b><br/>Staff Writer<br/>248-246-2243<br/><a href="http://www.prlog.org/email-contact.html#12286850">processing@winstonrowe.com</a></div> Commercial Property 90% LTC Rehab Loans – No Upfront Feestag:realestatefinance.ning.com,2014-03-13:6517464:Topic:1611662014-03-13T16:45:06.529ZWinston Rowehttps://realestatefinance.ning.com/profile/WinstonRowe
<p>Winston Rowe & Associates has a new commercial real estate bridge loan program for the rehabilitation of apartment buildings, office buildings, hotels, self storage, mixed use retail centers and industrial properties.<br></br><br></br>This program is one of the most aggressive bridge financing programs in the industry, with almost 100% of the improvements financed if needed and the commercial property can be non-stabilized.<br></br><br></br><b>The ensuing are the parameters.</b><br></br><br></br>No upfront or…</p>
<p>Winston Rowe & Associates has a new commercial real estate bridge loan program for the rehabilitation of apartment buildings, office buildings, hotels, self storage, mixed use retail centers and industrial properties.<br/><br/>This program is one of the most aggressive bridge financing programs in the industry, with almost 100% of the improvements financed if needed and the commercial property can be non-stabilized.<br/><br/><b>The ensuing are the parameters.</b><br/><br/>No upfront or advance fees<br/><br/>Capital deployment is Five Million Dollars and up<br/><br/>Interest rates starting at Six Percent<br/><br/>The loan to value must be 65% of initial purchase price<br/><br/>What make this bridge loan program so competitive is that it will go to 90% of the cost of rehabilitation or the property improvement plan.<br/><br/>Winston Rowe & Associates has extremely fastest turn around, issuing term agreements within 48 hours with a complete submission.<br/><br/>When speed and experience are important and crucial to your commercial hard money investing success, a principal at Winston Rowe & Associates is always available to speak with prospective clients.<br/><br/>They can be contacted at <b>248-246-2243</b> or check them out online at <b><a href="http://www.winstonrowe.com" target="_blank" rel="nofollow">http://www.winstonrowe.com</a></b><br/><br/>This rehabilitation bridge loan program is available in the following states in population centers of 100,000 and up.<br/><br/>Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming<br/><br/></p>
<div><b>Contact</b><br/>Staff Writer<br/>248-246-2243<br/><a href="http://www.prlog.org/email-contact.html#12295044">processing@winstonrowe.com</a></div> Land Lots for Sale in Natal, Brazil. As little as $10,000 per lottag:realestatefinance.ning.com,2014-01-05:6517464:Topic:1448572014-01-05T04:13:41.920ZCarlos Da Silvahttps://realestatefinance.ning.com/profile/CarlosDaSilva854
<p>We have lots available in Natal, Brazil. The lots are in the city, in an area called Plan Alto. This is a fast growing area.</p>
<p>In March of this year there were only 10 homes built on this lad. Today, (December 2013) there are over 90 houses built here, and with plans to build over 200 more in the next year.</p>
<p>Real estate values in Brazil have been increasing around 20% - 25% per year over the last 5 – 7 years. But as we all know, in 2014, <b>the World Cup</b> is coming to Brazil…</p>
<p>We have lots available in Natal, Brazil. The lots are in the city, in an area called Plan Alto. This is a fast growing area.</p>
<p>In March of this year there were only 10 homes built on this lad. Today, (December 2013) there are over 90 houses built here, and with plans to build over 200 more in the next year.</p>
<p>Real estate values in Brazil have been increasing around 20% - 25% per year over the last 5 – 7 years. But as we all know, in 2014, <b>the World Cup</b> is coming to Brazil (and Natal is one of the host cities)</p>
<p>And in 2016, the <b>Olympics</b> is coming there.</p>
<p>Real estate prices over the next 3-4 years will rise significantly.</p>
<p> </p>
<p>We have around 30 lots left for sale.</p>
<p>Each lot is 200 square meters, with all the infrastructure included (water, electricity, etc.)</p>
<p> </p>
<p><b>Price per lot: </b> $10,000 U.S.</p>
<p>We also have payment plans available, whereby you can pay $500 per month until the lot is paid off (Many clients love this option)</p>
<p> </p>
<p><b>Check out the newest video I just made on:</b></p>
<p><b>How to make money buying land in Brazil</b></p>
<p><b> </b></p>
<p><a href="https://www.youtube.com/watch?v=XriuozkMC5k"><b>https://www.youtube.com/watch?v=XriuozkMC5k</b></a></p>
<p><b> </b></p>
<p><b> </b></p>
<p><b> </b></p>
<p><b>For more info, Contact Us:</b></p>
<p> </p>
<p><b>Carlos</b></p>
<p>Phone: (Toronto) +1 (647) 827-0288</p>
<p>Email: <a href="mailto:brazilbeachresorts@gmail.com">brazilbeachresorts@gmail.com</a></p>
<p>Skype: brazilopp</p> Private Capital A Great Opportunity For Commercial Real Estate Investorstag:realestatefinance.ning.com,2013-10-28:6517464:Topic:1280412013-10-28T23:13:47.404ZWinston Rowehttps://realestatefinance.ning.com/profile/WinstonRowe
<p></p>
<p></p>
<p><span lang="EN" style="mso-ansi-language: EN;" xml:lang="EN">The need for alternative sources of capital in the commercial real estate industry has never been greater. Winston Rowe & Associates is a capital source that provides flexible, reliable and timely solutions for owners of commercial real estate nationwide.</span></p>
<p><span lang="EN" style="mso-ansi-language: EN;" xml:lang="EN">They quickly analyze and asses prospective clients transactions and provide…</span></p>
<p></p>
<p></p>
<p><span style="mso-ansi-language: EN;" lang="EN" xml:lang="EN">The need for alternative sources of capital in the commercial real estate industry has never been greater. Winston Rowe & Associates is a capital source that provides flexible, reliable and timely solutions for owners of commercial real estate nationwide.</span></p>
<p><span style="mso-ansi-language: EN;" lang="EN" xml:lang="EN">They quickly analyze and asses prospective clients transactions and provide immediate feedback within 24 hours.</span></p>
<p><span style="mso-ansi-language: EN;" lang="EN" xml:lang="EN">Winston Rowe & Associates is a unique type of commercial real estate finance firm, they do not charge any upfront fees like their competitors to review or perform due diligence for your transaction, because of this savvy investors have been turning to them for their financing needs.</span></p>
<p><strong><span lang="EN" xml:lang="EN">Winston Rowe & Associates always welcomes the opportunity to speak with clients directly. The can be contacted at 248-246-2243 or visit them on line at <a href="http://www.winstonrowe.com">http://www.winstonrowe.com</a></span></strong></p>
<p><span style="mso-ansi-language: EN;" lang="EN" xml:lang="EN">Advantages of private capital from Winston Rowe & Associates</span></p>
<p><span style="mso-ansi-language: EN;" lang="EN" xml:lang="EN">All commercial property types considered, however no raw land please</span></p>
<p><span style="mso-ansi-language: EN;" lang="EN" xml:lang="EN">No advance fees</span></p>
<p><span style="mso-ansi-language: EN;" lang="EN" xml:lang="EN">Nationwide</span></p>
<p><span style="mso-ansi-language: EN;" lang="EN" xml:lang="EN">Fast, reliable capital for time sensitive and opportunistic transactions</span></p>
<p><span style="mso-ansi-language: EN;" lang="EN" xml:lang="EN">Capital for transitional or non-stabilized assets; can accommodate holdbacks for real estate that requires tenant improvements and leasing commissions or construction completion</span></p>
<p><span style="mso-ansi-language: EN;" lang="EN" xml:lang="EN">Discounted Payoff Financing, no new cash required</span></p>
<p><span style="mso-ansi-language: EN;" lang="EN" xml:lang="EN">Capital to owners repurchasing their existing debt</span></p>
<p><span style="mso-ansi-language: EN;" lang="EN" xml:lang="EN">Capital to owners cashing out of one property to purchase another property</span></p>
<p><span style="mso-ansi-language: EN;" lang="EN" xml:lang="EN">Capital for the acquisition of individual or pools of notes</span></p>
<p><span style="mso-ansi-language: EN;" lang="EN" xml:lang="EN">They have some of the most aggressive rates and terms available, while managing every step of the financing through their advisory and due diligence processes from document collection to commitment negotiation and closing.</span></p> Land Banking Referral Opportunitytag:realestatefinance.ning.com,2013-08-05:6517464:Topic:964522013-08-05T21:23:03.389ZKerry Vaughthttps://realestatefinance.ning.com/profile/Kerry
<blockquote><p style="text-align: left;"><span class="font-size-3" style="font-family: andale mono,times;"><a href="http://storage.ning.com/topology/rest/1.0/file/get/124771942?profile=original" target="_self"><img class="align-left" src="http://storage.ning.com/topology/rest/1.0/file/get/124771942?profile=original" width="133"></img></a></span></p>
<p><span class="font-size-3" style="font-family: andale mono,times;"><strong>Cal Choice Investments -</strong></span> <strong><span class="font-size-2" style="font-family: arial,helvetica,sans-serif;">A land banking firm in Chino California is offering Real…</span></strong></p>
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<blockquote><p style="text-align: left;"><span class="font-size-3" style="font-family: andale mono,times;"><a target="_self" href="http://storage.ning.com/topology/rest/1.0/file/get/124771942?profile=original"><img class="align-left" src="http://storage.ning.com/topology/rest/1.0/file/get/124771942?profile=original" width="133"/></a></span></p>
<p><span class="font-size-3" style="font-family: andale mono,times;"><strong>Cal Choice Investments -</strong></span> <strong><span class="font-size-2" style="font-family: arial,helvetica,sans-serif;">A land banking firm in Chino California is offering Real Estate professional/non-professionals, land investment strategies using an extraordinary Tenants In Common Land Banking Sales Webinar</span></strong></p>
</blockquote>
<blockquote><span class="font-size-4"><strong><span style="font-family: arial,helvetica,sans-serif;">A simple two step process</span></strong></span></blockquote>
<p><strong>No real estate background or experience required</strong><br/><strong>No extensive research on feasible investment land</strong><br/><strong>Minimum of $20,000 needed to invest by clients</strong><br/><strong>A licensed Cal Choice Land Banking Specialist will close your deals <br/></strong></p>
<p></p>
<ul style="text-align: center;">
</ul>
<p style="margin-left: 40px; text-align: center;"><strong><span style="color: #000000;" class="font-size-3">Cal Choice Investments Road To Success Video</span></strong></p>
<p style="margin-left: 40px; text-align: center;"><b><iframe width="479" height="256" src="http://player.vimeo.com/video/71853971" frameborder="0"></iframe>
</b></p>
<blockquote><h1 style="text-align: left;" class="ha"><span class="font-size-3"><span style="font-family: andale mono,times;">Sign up for This Monday's Live Land Banking Associate Training Webinar with Andre Vicario, CEO and President of Cal Choice Investments Inc., Monday, August 12, 2013 10:00 AM - 11:00 AM PDT</span> <a href="https://www3.gotomeeting.com/register/779198606" target="_blank">Reserve Your Webinar Seat Now.</a></span></h1>
<p style="text-align: center;"></p>
<p style="text-align: center;"><strong><span class="font-size-4">Cal Choice uses the Tenants In Common Strategy</span><br/></strong></p>
<p style="text-align: center;"><strong><a href="https://vimeo.com/user13637226/review/71758174/28d1f353fa" target="_blank">Attend Cal Choice Investments Live Affiliate Webinar</a> </strong></p>
<p style="text-align: center;"><strong><a href="http://calchoiceinvestments.com/video/calchoice/" target="_blank">Introduce your clients to Land Banking now by using this short video</a></strong></p>
<p style="text-align: center;"><strong>Cal Choice Investments well help get you started making easy money by rewarding you very lucratively for referrals.</strong></p>
<p style="text-align: left;"></p>
<h3><a target="_self" href="http://storage.ning.com/topology/rest/1.0/file/get/124772013?profile=original"><img src="http://storage.ning.com/topology/rest/1.0/file/get/124772013?profile=original" width="129"/></a></h3>
<h3 style="text-align: left;"><a href="https://significant.joinqs2.com/membership" target="_blank">Become A QS2 Advisor</a><span style="color: #008000;"><br/></span></h3>
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<h3 style="text-align: left;"></h3>
<p style="margin-left: 40px;"><em><strong>See the Attachment about Cal choice's 6 Days and 5 Nights in Playa Del Carmen, Mexico vacation! Bring in $250K of closed referral business before September 30th, 2013 to earn an *all expense paid trip for 2 and stay in the luxurious Ambassador Suite! (1,000+ square foot suite has a private terrace with an extraordinary view of the sparkling ocean, and features an interior Jacuzzi.) Attachment: <a href="http://storage.ning.com/topology/rest/1.0/file/get/124772285?profile=original" target="_self">3rd Quarter Playa Del Carmen Contest-PDF</a></strong></em></p>
<div class="discussion-content empty"><div class="discussion-article"><div class="user-contributed"><blockquote><p style="text-align: center;"><strong>Cal Choice Investments will do all the hard work for you</strong></p>
<p style="text-align: center;"><strong>Contact me anytime <br/></strong></p>
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</div>
</div>
</div> National No Advance Fee Commercial Finance Loans Lenders Bankingtag:realestatefinance.ning.com,2013-06-24:6517464:Topic:818922013-06-24T13:37:34.593ZWinston Rowehttps://realestatefinance.ning.com/profile/WinstonRowe
<p><font style="font-size: 14px;"><strong>248-246-2243</strong></font></p>
<p><font style="font-size: 14px;"><strong>processing@winstonrowe.com</strong></font></p>
<p><font style="font-size: 14px;"><strong><a href="http://www.winstonrowe.com" target="_blank">Winston Rowe & Associates</a>,</strong> a national no upfront fee non investment advisory and due diligence firm specializes in assisting clients in the structuring of complex commercial real estate financing…</font></p>
<p><font style="font-size: 14px;"><strong>248-246-2243</strong></font></p>
<p><font style="font-size: 14px;"><strong>processing@winstonrowe.com</strong></font></p>
<p><font style="font-size: 14px;"><strong><a href="http://www.winstonrowe.com" target="_blank">Winston Rowe & Associates</a>,</strong> a national no upfront fee non investment advisory and due diligence firm specializes in assisting clients in the structuring of complex commercial real estate financing solutions.<br/></font></p>
<p><font style="font-size: 14px;"><font style="font-size: 14px;">They have direct relationships with a finite number of private capital, private equity, joint venture, hedge funds, agency investors and regional and national commercial banks, each with a highly targeted financing practice.<br/> <br/> <font style="font-size: 14px;"><font style="font-size: 14px;">Winston Rowe & Associates advisory and due diligence expertise adds value and speed, for their client's complex and challenging financing requests. <br/> <br/> In many cases they can provide a solution in days, not weeks or months.</font><br/></font></font> <br/> <font style="font-size: 14px;">Commercial real estate investors have been turning to Winston Rowe & Associates, across the nation because there is a shortage of reliable, ethical and honest advisory and due diligence firms in the current banking market place.<br/></font> <br/> Winston Rowe & Associates has solutions for; Apartment Buildings, Hotels, Office Buildings, Medical Buildings, Shopping Centers, Assisted Living Facilities, Senior Housing, Student Housing and Mixed Use properties, no raw land please.<br/> <br/> The following is a general overview of the types of transactions Winston Rowe & Associates provides non investment due diligence, consulting and advisory services for.<br/></font></p>
<p><font style="font-size: 14px;"><u><b>Hard Money Bridge Loans Close In Few Weeks:</b></u></font></p>
<p></p>
<ul>
<li><font style="font-size: 14px;">Apartments, Office, Hotels, Shopping Centers, Medical Buildings<br/></font></li>
<li><font style="font-size: 14px;">Minimum Loan Amount $250,000 to $100,000,000.</font></li>
<li><font style="font-size: 14px;">Two Week Fast Close with a Complete Loan File</font></li>
<li><font style="font-size: 14px;">Rates Starting at 8% Interest Only</font></li>
<li><font style="font-size: 14px;">Terms One Day to Three Years</font></li>
<li><font style="font-size: 14px;">Maximum Loan to Value 70%<br/></font></li>
<li><font style="font-size: 14px;">Purchase, Refinance & Cash Out Refinance</font></li>
<li><font style="font-size: 14px;">Debtor In Possession (DIP) Chapter 11 Exit Financing</font></li>
<li><font style="font-size: 14px;">Balloon Payment Coming Due<br/></font></li>
<li><font style="font-size: 14px;">Discount Note Payoff <br/></font></li>
<li><font style="font-size: 14px;">United States Only</font></li>
</ul>
<p></p>
<p><font style="font-size: 14px;"><u><b>Commercial Real Estate Purchase Loans:</b></u></font></p>
<p></p>
<ul>
<li><font style="font-size: 14px;">Minimum Loan Amount $250,000 to $500,000,000.</font></li>
<li><font style="font-size: 14px;">Interest Rates Starting At 3.5% (as of 6/1/2013)<br/></font></li>
<li><font style="font-size: 14px;">Apartment Buildings, Offices, Hotels & Strip Malls, Medical Buildings<br/></font></li>
<li><font style="font-size: 14px;">Maximum Loan to Value 80%</font></li>
<li><font style="font-size: 14px;">Cash Down Payment Required</font></li>
<li><font style="font-size: 14px;">SBA, Private Capital and Institutional Programs Available</font></li>
<li><font style="font-size: 14px;">Hard Money Available For 2 Week Fast Close</font></li>
<li><font style="font-size: 14px;">United States Only</font></li>
</ul>
<p></p>
<p><font style="font-size: 14px;"><u><b><span>Commercial Real Estate Refinance Loans:</span></b></u></font></p>
<p></p>
<ul>
<li><font style="font-size: 14px;">Conventional & Private Money Solutions</font></li>
<li><font style="font-size: 14px;">Interest Rates Starting At 3.5% (as of 6/1/2013)<br/></font></li>
<li><font style="font-size: 14px;">Office & Medical Buildings, Apartments, Shopping Malls & Retail Centers</font></li>
<li><font style="font-size: 14px;">Bank Discount Note (Mortgage) Refinancing</font></li>
<li><font style="font-size: 14px;">Minimum Loan Amount $250,000 to $100,000,000.</font></li>
<li><font style="font-size: 14px;">Maximum Loan to Value 60%</font></li>
<li><font style="font-size: 14px;">SBA, Private Capital & Institutional Financing</font></li>
<li><font style="font-size: 14px;">Discount Note Payoff<br/></font></li>
<li><font style="font-size: 14px;">United States Only</font></li>
</ul>
<p></p>
<p><font style="font-size: 14px;"><u><b><span>Commercial Real Estate Cash Out Refinance Loans:</span></b></u></font></p>
<p></p>
<div style="margin-left: 2em;"><ul>
<li><font style="font-size: 14px;">Apartments, Office & Medical Buildings, Shopping Malls, Hotels & Motels</font></li>
</ul>
</div>
<div style="margin-left: 2em;"><ul>
<li><font style="font-size: 14px;">Minimum Loan Amount $250,000 to $100,000,000.</font></li>
</ul>
</div>
<div style="margin-left: 2em;"><ul>
<li><font style="font-size: 14px;">Maximum Loan to Value 65%</font></li>
<li><font style="font-size: 14px;">Apartment Buildings up to 80% Loan To Value, Rates As Low As 3.5%<br/></font></li>
</ul>
</div>
<div style="margin-left: 2em;"><ul>
<li><font style="font-size: 14px;">SBA, Private Capital & Institutional Financing</font></li>
</ul>
</div>
<div style="margin-left: 2em;"><ul>
<li><font style="font-size: 14px;">United States Only</font></li>
</ul>
</div>
<p><font style="font-size: 14px;"><font style="font-size: 14px;"><font style="font-size: 14px;"><u><b>SBA 7A & 504 Financing</b></u></font></font></font><font style="font-size: 14px;"><font style="font-size: 14px;"><font style="font-size: 14px;"><br/> <br/></font></font></font></p>
<ul>
<li><font style="font-size: 14px;"><font style="font-size: 14px;"><font style="font-size: 14px;">Loan amounts starting at $500,000.</font></font></font></li>
<li><font style="font-size: 14px;"><font style="font-size: 14px;"><font style="font-size: 14px;">Loan to Value up to 90%</font></font></font></li>
<li><font style="font-size: 14px;"><font style="font-size: 14px;"><font style="font-size: 14px;">United States Only</font></font></font></li>
</ul>
<p><u><b><font style="font-size: 14px;">Oil & Gas Project Financing</font></b></u></p>
<p><span style="font-size: 10.5pt;"><br/></span></p>
<ul>
<li><span style="font-size: 10.5pt;">Winston Rowe & Associates core focus includes junior and mid-market oil & gas companies as well as oil & gas income and royalty trusts throughout the United States and Canada.</span></li>
</ul>
<ul>
<li><span style="font-size: 10.5pt;">Prospective clients must have high liquidity (cash) with a strong resume of past successes.</span></li>
</ul> Understanding Commercial Loan Due Diligence & Underwritingtag:realestatefinance.ning.com,2013-03-20:6517464:Topic:605352013-03-20T13:12:42.939ZWinston Rowehttps://realestatefinance.ning.com/profile/WinstonRowe
<p><span style="text-decoration: underline;"><strong><a href="http://www.winstonrowe.com" target="_blank">WINSTON ROWE & ASSOCIATES WEBSITE</a></strong></span></p>
<p>Winston Rowe & Associates is a no upfront fee commercial real estate advisory and due diligence firm specializes in the financing of commercial real estate transactions.<br></br><br></br>For more information about Winston Rowe & Associates and their commercial loan programs, they can be contacted at…</p>
<p><span style="text-decoration: underline;"><strong><a href="http://www.winstonrowe.com" target="_blank">WINSTON ROWE & ASSOCIATES WEBSITE</a></strong></span></p>
<p>Winston Rowe & Associates is a no upfront fee commercial real estate advisory and due diligence firm specializes in the financing of commercial real estate transactions.<br/><br/>For more information about Winston Rowe & Associates and their commercial loan programs, they can be contacted at <strong>248-246-2243</strong> or visit them on line at <strong><a href="http://www.winstonrowe.com/" target="_blank">http://www.winstonrowe.com</a></strong> <br/><br/>They have prepared this article to provide a general overview of the due diligence and requirements for commercial real estate.<br/><br/>Commercial loan financing is underwritten on a case by case basis, with every loan application as unique and evaluated on its own merits with an approach and methodology considering worst case scenarios. <br/><br/><strong>The Application:</strong><br/><br/>All commercial loans begin with some sort of an application that the prospective borrower must complete. It’s critical that borrowers do not misrepresent any material facts pursuant to the proposed transaction. This will only result in your loan request being declined down the road when the loan file enters the due diligence phase.<br/><br/>Common misrepresentations made by applicants are; questionable appraisals, source of down payments, personal credit scores, environmental issues, prior offers or letters of interest, use of proceeds, monies invested to date and bankruptcies. <br/><br/>If your honest and upfront about the negative issues concerning your proposed transaction. Most professionals in the commercial lending business will work with you in providing the best options available.<br/><br/><strong>Debt Service Coverage Ratio (DSCR):</strong><br/><br/>A key component in making an underwriting evaluation is the debt coverage ratio (DCR). The <br/>DCR is defined as the monthly debt compared to the net monthly income of the investment property in question. Using a DCR of 1:1.10 a lender is saying that they are looking for a $1.10 in net income for each $1.00 mortgage payment. <br/><br/>Typically they will determine the DCR ratio based on monthly figures, the monthly mortgage payment compared to the monthly net income. <br/><br/>The higher the DCR ratio is the more conservative the lender. Most lenders will never go below a 1:1 ratio (a dollar of debt payment per dollar of income generated). Anything less then a 1:1 ratio will result in a negative cash flow situation raising the risk of the loan for the lender. DCR's are set by property type and what a lender perceives the risk to be. <br/><br/>Today, apartment properties are considered to be the least risky category of investment lending. As such, lenders are more inclined to use smaller DCR's when evaluating a loan request. Make sure that you are familiar with a lender's DCR policy prior to spending money on an application. <br/><br/>Ask them to give you a preliminary review of the investment property that you want to purchase. Information is free, mistakes are not. <br/><br/><strong>Loan to Value:</strong><br/><br/>Unlike residential lending, commercial investment properties are viewed more conservatively. <br/><br/>Most lenders will require a minimum of 20% of the purchase price to be paid by the buyer. The remaining 80% can be in the form of a mortgage provided by either a bank or mortgage company. <br/><br/>Some commercial mortgage lenders will require more than 20% contribution towards the purchase from the buyer. What a bank/lender will do is subject to their appetite and the quality of the buyer and the property. Loan to value is the percentage calculation of the loan amount divided by purchase price. <br/><br/>If you know what a lender's LTV requirements are, you can also calculate the loan amount by multiplying the purchase price by the LTV percentage. <br/><br/>Keep in mind that the purchase price must also be supported by an appraisal. In the event that the appraisal shows a value less then the purchase price, the lender will use the lower of the two numbers to determine the loan that will be made. <br/><br/><strong>Credit Worthiness:</strong><br/><br/>For businesses less than three years old, personal credit of principals will be evaluated. This may hold true for longer periods of time for tightly held companies. <br/>For corporations, business performance and credit ratings will be evaluated with a proven track record. <br/><br/>As with all lending, business and personal credit plays an important role. As business professionals we are all taught to shop for the best deal in the marketplace,<br/><br/>This is not true when applying for business credit. If you submit your loan request to too many potential lenders in a short period of time (less than a year), you will be deemed a high risk and most likely have your loan request declined or be forced to pay very high interest rates. This creates a high risk profile because most bank fraud is done through the shot gun approach. <br/><br/>If this may be an issue for you, let your prospective lender know upfront and provide them with all past offers for financing that you received with a letter of explanation. Lenders are business people like you and will review the reasons for rejecting valid and invalid offers for financing. <br/><br/><strong>Property Analysis:</strong><br/><br/>Fair Market Value and Fair Market Rent will be analyzed. Special use property may require additional underwriting. Age, appearance, local market, location, and accessibility are some other factors considered.<br/><br/><strong>Report Costs:</strong><br/><br/>Every commercial real estate transaction requires reports which include; appraisals, environmental, certified financials, property inspection and engineering just to name a few. <br/><br/>Reporting costs are not generally part of the loan amount, so expect to pay for these in advance to the funding of your commercial loan.<br/><br/>At Winston Rowe & Associates, their primary objective is to provide the most reliable and efficient means of sourcing both debt and equity for your commercial real estate loans. <br/><br/>Winston Rowe & Associates provides no upfront fee commercial loans in the ensuing states.<br/><br/>Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming</p>