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Both options allow you to cash in on the equity already paid into your home mortgage and use it to get yourself out of debt.

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Top Two Negotiation Tips For the Commercial Real Estate Investor

Many great commercial real estate investors rely on sharp negotiation skills to get the terms they want on a deal. They are fast on their feet and know what they want going into the deal. Good negotiators know what they are and are not willing to do when going into a negotiations setting.

Commercial real estate allows for all sorts of terms to be discussed. There is the obvious price factor, but then there are down payments, taking back seconds, taking over existing debt and mortgages, short term and long term owner financing, conditional clauses and a myriad of other factors that can make negotiations quite involved, and interesting.

Some deals are easy as both parties can agree on the terms very quickly and see the deal eye to eye. Or, the terms are so simply negotiated that each party is willing to give a little for the well being of both parties.

Then there are the deals that are hard, long, and difficult to negotiate. When two parties simply don’t see eye to eye, you can bet that tough negotiations can ensue. There may be factors that a party will not be willing to budge. These are known as bottom lines- they are not willing to go any lower or negotiate further on an issue. If the commercial real estate investor is tough, they will be willing to walk away with the deal on the table. You cannot involve personal emotions or interest in many commercial real estate deals because it causes for messy negotiations with unclear thinking and motives. You can bet your decisions will not be backed by solid evidence and supported justifications when personal emotions are involved. There will always be another commercial real estate deal around the corner.
With negotiations being such an important aspect of the commercial real estate investor’s livelihood and success, it is highly suggested that no one else does the negotiations. The person making the deal should be the one negotiating. You may have your lawyer or accountant there for consultation or support, but always do negotiations yourself. It will be far more effective.

There are absolutely two things you must do when headed into a negotiations situation- regardless if you think negotiations are going to be simple or challenging. The first is to always be prepared through homework and research. The other is to take your time. These two points seem rather obvious and simple at first glance, don’t you think? I wonder then WHY so many people refuse to do these two things before negotiating a commercial real estate deal, or any deal at all.
For example, would you go to purchase a car without knowing what it is that you want, what price you are willing to pay, and what the average purchase price was for the car that you wanted? I would hope not.

Coming prepared may require extra work on you and your team, but it is absolutely worth it when you want to make a deal happen. Understand what the other side wants and what they are going to do with the results. Did they have prior problems or have future goals? How does this deal pertain to those factors and what can you do to either help or hinder their operations?

Perhaps you can sweeten the deal with something they need or play hard ball by bringing up a topic that will force them to sway in your favor.

How would you handle their predicament any other way? You must know what you want and know their situation even better than they do. If they do not come as prepared as you, you will definitely have the upper hand. By understanding their situation you know how to maneuver around them and get what you really want- no matter what.
The second tip is to take your time. Many people go in and want to get the negotiations over and done with quickly. This is not to your advantage. You want to think of all avenues, have time to think and the other party thinks of any ramifications the deal might have. If you need to pull a factor in your favor, the longer you take and more time you spend negotiating, the more the other party realizes that you are going to get what you want, or no deal.
When you better understand the urgency, the true urgency of the other party (by coming prepared) you can better judge how to react to their demands. Always take your time, take it one point at a time and don’t rush it. Top negotiators would say this is your best approach.

How successful are you in your commercial real estate negotiations? Do you find yourself not being prepared and rushing through? Or do you take the time to perform pre-negotiation research and go into the negotiations calm, cool and ready to take things slow.

Try these negotiation tips and see how you can improve the outcome of your deals. Sell yourself and your needs and understand the other parties needs even better than your own and most likely you will come to a fine agreement- or at least one that falls in your favor.

Tony Seruga, Yolanda Seruga and Yolanda Bishop of http://www.maverickrei.com specialize in commercial and investment real estate. As of May, 2006, they and their partners are managing over $600 million dollars worth of new projects.

About the Author

Tony Seruga, Yolanda Seruga and Yolanda Bishop of Maverick Real Estate Investments, Inc. work with builders, developers and other players in the commercial real estate industry to acquire and develop properties. They use progressive investment strategies that have proved extremely profitable. In addition to their own deals, they teach both seasoned and inexperienced investors how to be big players in the game. Visit the website for more info.

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Commercial Real Estate Jargons Investors Should Know

Commercial real estate investment is a new territory for many real estate investors. The following is the alphabetical list of most commonly used terms in this area.

Anchored tenants: big brand-name national tenants, e.g. Albertsons, Longs Drug, Walmart that bring in lots of traffic to the shopping center.

CAM: Common Area Maintenance. Associated with CAM is CAM fees. For NNN leases, the term CAM fees refer to the money tenants pay landlord to cover property taxes, insurance and maintenance.

Cap rate: Capitalization rate or the ratio of Net Operating Income over purchase price. The higher the cap rate, the higher the rental income in term of percentage. For people who invest in the stock market, cap rate is the inverse of P/E ratio.
Cash on cash: annual percentage return of your down payment not including appreciation.

Conduit loan: also called Commercial Mortgage Backed Securities (CMBS) loan often with the lower rate than traditional commercial loan but either has high pre-payment penalty (called defeasance or Yield Maintenance Penalty) or does not have payoff flexibility.

CPD: Car Per Day or traffic volume on a road.

CPI: Consumer Price Index. It’s often used to calculate annual rental increase to compensate for inflation.

Due Diligence Period: the duration after acceptance normally 15-30 days to allow buyer to investigate about the property. Buyer can cancel the contract during this time for any reasons and get full refund of the deposit.

Estoppel Certificate: a letter provided and signed by tenant confirming the current rent and terms.

Full-service lease: lease in which tenant pays rent that covers everything including utilities.

Gross income: total annual income before any expenses.

Gross lease: lease in which tenants just pay rent. Landlord pays tax, insurance, & maintenance.

GLA: Gross Leaseable Area or total rentable area. This is the space that can be leased and receive rental income. It does not include spaces for utilities room, elevator, etc.

GRM: Gross Rent Multiplier for apartment. Ratio of purchase price over annual income.

LLC: Limited Liabilities Company. A legal entity many investors formed to own commercial properties.

LOI: Letter of Intent/Interest or the normally non-binding offer letter used to make an offer to buy a commercial property.

MAI appraiser: Member Appraisal Institute commercial appraiser.

Master lease: lease signed by the seller to rent the vacant space to provide rent guarantee.

Mixed Use: commercial properties with retail on 1st floor and apartment on upper floors.

Triple Net (NNN) lease: lease in which tenants pay base rent plus property tax, insurance & CAM fees. Absolute NNN lease is NNN lease that tenants also pay property management fee.

NOI: Net Operating Income. Annual income minus Property Taxes, insurance & CAM fees.

Pad: stand alone building in a prime location of a big shopping center.

Pass Thru: see reimbursement.

Percentage lease: lease in which tenant pays base rent plus a percentage of tenant’s revenue.

Phase I Report: inspection report that provides an assessment for soil/environment contamination. It’s normally required by the lender as part of loan approval process for a commercial property.

Phase II Report: inspection report for soil & groundwater subsurface investigation. This inspection is more extensive which involves testing to see if there is any soil and water contamination.

Proforma income: potential, i.e. higher, income when the property is 100% leased.

Proforma Cap rate: potential cap rate assuming property is 100% leased at market rent.

Reimbursement: the share of property tax, insurance & CAM fees that a tenant has to pay the landlord besides the base rent.

Rent guarantee: rent paid by the seller to buyer for vacant spaces until they are leased.

SBA Loan: a government-guaranteed loan for owner-occupied properties.

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Of course, this depends on your current job, the length of time you plan to remain at that job, and the likelihood of raises in the future.

Connecticut Commercial Real Estate

In the world of business, Connecticut is well known. An interesting variety of businesses abound in this area. From home businesses to financial district companies to tourism related ventures, it seems that there is a little bit of every kind of business in this state. That is why Connecticut commercial real estate is flourishing.

What is Connecticut commercial real estate?

Connecticut commercial real estate are pieces of land intended for business or industrial purposes. The piece of land could have a building on it or it could be a farm, an apartment, or even an office.

This does not necessarily mean that these commercial real estate properties in Connecticut are all located in the busy sections and in the financial districts of the area. The fact is that one could actually find Connecticut commercial real estate in the suburban areas as well as in the bigger cities.

Are there any types of Connecticut commercial real estate?

There is a wide range of Connecticut commercial real estate. Land in this location is used for various commercial and business purposes. These includes bars, clubs, offices, schools, showrooms, company offices, beauty salons, malls, department stores, restaurants, gas stations, ranches, farms, hospitals, clinics, gyms, and factories among many others.

Where can one find Connecticut commercial estate properties?

If you have a trusted real estate agent who is knowledgeable in Connecticut commercial real estate, you can seek his or her help. Or you can also ask Connecticut real estate companies regarding this.

However, you can also try using your favorite search engine to look for these on the Internet. There will be many listings, but you can sift through the information to find the ones that would suit your preferences and needs.

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Make Easy Money Online: Become a Commercial Real Estate Property Scout

There are lots of ways to make easy money online. I am sure you have seen many of them in your email inbox.

One opportunity you may not be aware of is becoming a Commercial Real Estate Property Scout.

What?s a Commercial Real Estate Property Scout?

It?s a person who finds property for investors which meet a specific acquisition criteria.

Here?s the deal: This opportunity has nothing to do with sales, data entry, or any of those other possible questionable online business opportunities you may be aware of.

A Property Scout uses the Internet to search real estate listing databases for properties which meet the investors criteria. There are literally hundreds of these databases, many of which are free to use.

Advantages of the Opportunity

There are many things which make this opportunity attractive.

First, the price to get involved is very modest. It?s under $100 dollars.

Second, the money is really good. Frankly, there?s no comparison between what you can earn doing this and all the rest of the opportunities combined. It truly is one of the ways to make easy money online.

You can really earn hundreds of thousands of dollars a year.

Third, the support the company offers is incredible. While they won?t handhold or baby sit you, they will provide the weekly training, personal direction and weekly Q&A so that you can be successful?that?s more than any of the other opportunities do.

The fourth thing, is that you really can do this from home. There?s no travel involved. Plus it really only requires about twenty hours a week of work on a consistent basis.

The best part for me is that the company, Maverick Real Estate Investments, isn?t one of those schlocky companies promoting the next business opportunity. It?s real. And they sincerely want to see you successful because the big money for everybody involved is made when you find a promising property.

They?re committed to training you to be successful at it.

Maverick Real Estate Investments is in the commercial real estate business. That?s their purpose. And they?ve set up this business opportunity, so that they can attract people to help them find properties which fit their profile for acquisition.

It makes perfect sense if you think about it.

Disadvantages of the Opportunity

Are there bad points? Yes, a small one. But you really can?t blame the company for it, it?s just the nature of the commercial real estate industry.

If you need to make money right away, this is not the opportunity for you. Patience is key. While you can realistically make six figures and up a year, the fact is it takes time to find a property the investors want to acquire. It has to fit their profile (which they?ll thoroughly train you in).

And even when you find a property that meets their profile, they need the time to do whatever it takes to turn the property around which could take as long as 18 months to do.

But still, you have to admit it?s really good money. And let?s face it, you were to go into business for yourself, it would take that long AT LEAST to turn a modest profit?and nowhere near the money you?d earn as a Property Scout.

Now, they do offer an interesting way for you to get paid faster. But I wouldn?t recommend it, unless you really needed the money. You can get paid $15,000 when they buy the property and $15,000 again when they sell the property. It?s good money, but they prefer you to be partner with them and pay you when they sell the property and there are profits to be dispersed. It eases their cashflow.

Summary

In nutshell, this opportunity is legit. It?s lucrative. People ARE making money?and a lot. And it?s a profession which you can easily do from home using the Internet. Although it?s not perfect, it?s one of the few easy ways to make money online which is realistic and easily doable.

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Assessing the Commercial Real Estate Market

There are many important factors that effect the price of commercial real estate, but perhaps few are as important as that of the local job market. Without a strong and growing job market, it?s nearly impossible for an area to support the retail establishments, restaurants and businesses that sustain neighborhoods.

It?s important for any would be commercial real estate investor, whether they specialize in retail, office, industrial, or warehouse properties, to thoroughly research the health of the local job market before making an investment decision. You have to look at the local unemployment rate and compare it to the averages for the state and the nation as a whole. Those areas of the country with lower than average unemployment rates are likely to enjoy future growth, while those with higher than average unemployment may suffer from such associated problems as high crime, long listing times, and depressed lease rates.

Of course, the raw numbers for unemployment don?t tell the whole story. It?s important for would be commercial real estate investors to look not only at unemployment rates, but at income levels, as well. Those neighborhoods with higher than average salary levels should be far better at sustaining the high end shops that often form the backbone of commercial and retail real estate investment.

Further, real estate investors need to make the distinction between local salary levels and levels of disposable income. If the average salary is $100,000 per year, but that person can only afford a 2 bedroom apartment in the local city (think West Los Angeles or Manhattan), these people won?t be shopping at the local high-end fashion boutiques! How much residents have left at the end of each month is a key economic factor in evaluating a neighborhood for commercial real estate activity. This means you have to look at such factors as the local cost of food, rental housing, utilities and other factors that can influence the lifestyle of those in a particular neighborhood.

Fortunately these kinds of statistics are increasingly available and in many cases this information can be found free of charge on the Internet, your local library, or through a good commercial broker. Even if income, unemployment and job growth figures are not available online, chances are good they will be available with only a minimum of effort. Given the importance of this information to real estate investors, it is certainly worth a bit of effort to ferret it out!

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Commercial Real Estate Scouts - Strategies for Success

If you?ve evaluated any of the ?legitimate work at home jobs? ? you can probably appreciate there are plenty of decisions to be made in choosing the right one.

One of the main questions is how you to find your source of ?leads? or opportunities with regards to a specific business. For Commercial Real Estate Property Scouts, it?s is no different any of the other of the legitimate work at home jobs.

Fortunately. leads are quite a bit different for professional Commercial Real Estate Property Scouts, because you don?t have to sell anybody anything. That?s 100% different thean every other business opportunity, isn?t it? You are looking for real estate opportunities, the kind investors would be hungry to put in their portfolio.

And here?s the important insight:

Investors are always looking for great commercial real estate deals. Property Scouts are trained know where to find great deals to present to the investors, who are always are hot for good deals.

Fortunately this problem too has already been solved as well. Which makes Commercial Real Estate Property scouting one of the best legitimate work at home jobs this year as well as the easiest.

Why?

Because a person who is a professional Property Scout has two main alternatives to generating viable deals: Their local area in which they live and the Internet. A savvy property scout will take advantage of both strategies.

In their regional area, an ambitious property scout will always be scouting for promising properties for sale. This strategy doesn?t take any money. You just have to know what the investors want to acquire and be willing to take action. Because you can definitely make a lot of money when you find a property an investor is willing to acquire.

Making money depends on finding or generating deals the investors are looking for. It?s good to know there are always lots of promising properties, and they are located in scores of websites on the Internet.

In a little over an hour or so each day, ambitious property scouts can find more leads than they know what to do with.

Having the exact websites search, and having the precise profile the investors want to acquire? the search is much like hunting for treasure. As you may know, being a treasure hunter is loads of fun. Here?s some of the aspects they are trained in:

1. Knowing the specific types of commercial real estate properties the investors want to acquire

2. Knowing the pricing of commercial real estate properties the investor group wants to purchase

3. Using a very special set of keywords that cause their search results to be much more fruitful, so they are more efficient

4. Having specific checklists and other necessary materials to access the winners and avoid the ?loser? properties

5. Having pre-determined formulas to apply to potential commercial properties, to see if they?re really promising

6. Specializing in one dedicated type of property, such as raw land, or shopping centers, or multi-family residences.

As you can see, while it?s one the legitimate work at home jobs, it is also a way to generate revenue. And not only is it a small business, it is a turnkey system.

So property scouting is one of the ?legitimate work at home jobs?. You don?t have to waste your time doing things that make no difference. Things that won?t make you any money or give you the lifestyle you want. Property Scouting is it for me.

It is definitely qualifies as one of the ?legitimate work at home jobs.?

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Beginners Guide to Your Commercial Real Estate Lease

Trying to completely cover the leasing process in a few paragraphs would be understating its importance. Your rent will be one of, if not the single largest monthly expense. Upon finding a location satisfactory, you must then be able to negotiate the lease to terms which will facilitate your startup, coincide with your anticipated opening (which in our industry is imperative), insure your long-term profitability, and make it possible for you to sell your business in time to someone who may continue on successfully. In order to do so, you must understand that everything is negotiable in a lease. Anything is fair game for discussion. And the stronger your business plan and financials, you will find the more flexible landlords will be.

Negotiating a commercial real estate lease needn’t be a battle. Remember, and you shouldn?t have to remind the landlord of this, that it is in both of your best interests that you are successful. If you lease on bad terms, you go out of business, and they have no tenant. In fact, many landlords now recognize that providing “superior tenant service” begins by making the lease negotiation process as simple and efficient for tenants as possible. As important as it is to arrive at a lease agreement that meets the needs of both tenant and landlord, long delays over minor details serve neither party.

It has become more commonplace that landlords have ?standard? alternate clauses prepared to substitute should the situation dictate. This prevents delays in legal counsel having to re-prepare specific language repeatedly.

If you choose to deal with an agent, make sure that they are looking out for YOUR best interest. Just hiring an agent doesn?t commit them to your success. Bear in mind that oftentimes they are going to be paid by the landlord for filling the space. Building a relationship with your agent can be done, just as building a relationship with your banker, your realtor you bought your home with, or your advertising agent ? with communication. Ask around, ask other agents, ask the agent questions, leave nothing to question.

Terminology

Some basic terminology, to simplify the explanation process.

Request For Proposal (RFP): To be sent, via your agent, to the landlord to request a copy of their standard lease form agreement. The RFP will address many important issues but should always include a section outlining the tenant’s expectations with respect to Common Area Maintenance (CAM) and Tax Escalation.

Standard Lease Form Agreement: The standard lease that every landlord has prepared for any commercial property up for lease. Terms and language may differ from property to property, landlord to landlord, but remain very similar in structure.

Base Rent: The asking price for the space itself, not including any taxes, maintenance, insurance, or any type of financed money that may be used for buildout.

CAM: Common Area Maintenance. Do not assume or mistake CAM for Triple Net, or you may be in for a surprise.

Triple Net: The total between the CAM, taxes, and insurance. Depending on the number of other tenants, you may pay a pro-rata share of this cost, or if you are a free-standing unit, you may have the entire cost.

Gross Rent: The base rent plus the Triple Net. This should be the amount you expect to pay throughout the lease.

Vanilla Box: Very vague terminology that can vary tremendously. Generally defined as primed drywall shell, concrete floor, basic commercial lighting, electrical to breaker box, and basic HVAC. Depending on the landlord?s understanding of a ?vanilla box?, you may walk into more or less than this. Make sure the ?vanilla box? is clearly defined in the lease.

CPI: Consumer Price Index. CPI is a government derived number to measure the value of a dollar relative to previous years. CPI is typically the factor used to figure any increase in lease amounts from year to year or during option periods because the government updates the number on regular intervals and it is easily accessed.

Build Out: Also called TI, or Tenant Improvement. This is the amount of money estimated to go from ?vanilla box?, to a finished club minus equipment. Build out is a major bargaining tool for you, especially while trying to startup with little cash on hand.

Option Periods: Option periods are the time periods, if any, following the initial lease period. Option periods are very important because of the potential fluctuation of lease amounts that may occur. This reveals the importance of the CPI and asking for a cap on the increase. You must define as stringently as possible the costs operating in the future of your business. If not, you may end up paying whatever the market will bear, and that could either put you out of business, kill your profits or business value, or make is simply impossible to sell.

Before getting into specifics of the lease, remember your objective: Secure the space you want, at the best rate possible, keeping as much money in your pocket as possible, until you decide you want to/are able to, sell at a good price to someone who can continue to make money. When you sell your business you are selling this lease also, so make sure you negotiate with that in mind.

A brief overview of the basics of a lease:

An initial lease period of (x) years, option periods to extend after the initial period. If the landlord is uncomfortable with the option periods, you may extend your initial period to 7 or even 10 years, depending on your assessment of the area. For a longer lease term, if your business plan and financials are strong enough, you may negotiate for a lower lease amount per square foot. Security over a longer duration is more valuable to the landlord than high dollar, short term, shaky tenants.

When negotiating option periods, your objective is to define your future rent as accurately as possible. To do so, the rent should be adjusted relative to the CPI, and a cap of no more than three percent yearly should be in place.

I recommend asking for a number of months free rent and/or half rent for several months, from the date the Certificate of Occupancy is issued. Your business needs time to get healthy and grow, and this no rent/reduced rent period facilitates that.

When negotiating the buildout, the ideal scenario for you would be that the entire amount will be paid by the landlord. Again, if you have the financials and the business plan, the likelihood of this happening goes up. Even if you don?t have strong statements, you can still get some help here. You may get a percentage of the buildout paid for (ideally the larger ticket items ? HVAC, electrical, etc.), or the landlord may factor the amount into your lease and you repay it over time, or a combination. Be careful that any concession on the landlord?s behalf isn?t overcompensated for in your dollars per square foot lease amount. If the landlord refuses to pay for any of the buildout, you may have to get them to move on the free/discounted rent duration, or some other facet of the lease.

You should be able to sublet space in your own space to another small, related business. This may be chiropractic, massage, or physical therapy. All considerations should be included, from insurance and liability to the access to the building allowed to these subcontractors.

There should also be a specific clause in the lease pertaining to your right to assign the lease without undue landlord interference. At any point you decide it is time for you to sell, dealing with a generic right to assign clause is a headache you want to avoid. This is a clause that you may want to have your attorney draw up, to make sure it is strong enough to prevent a problem.

The Lease should contain exclusions that the landlord will not accept competing businesses in the same center or specified area. This should include all other fitness centers, and may include tanning centers, weight loss centers, supplement stores/juice bars, massage therapists, etc.

Signage should not be overlooked by the tenant, as you can be sure that the landlord hasn?t. First, make sure of your legal rights in your community as they relate to signage. Research sign codes and get in writing exactly what those rights and codes are from the landlord. It must be absolutely clear to both parties exactly what the expectations are with the signage. Size, colors, attachment, etc., all have to be defined and understood in order to avoid any last minute surprises due to violations.

One final note, but certainly not lacking in importance, is the required guarantee on the lease. Similar to banks, most landlords will want you to sign as a business, as a personal guarantor, and possibly a co-signor will be needed. It is in your best interest personally to not sign as a personal guarantor, if at all possible. If the business guarantees the lease, and something goes wrong, the business is liable, but you are not personally. If you personally guarantee the lease, then the landlord may come after your personal assets to satisfy the amount of the lease. This is extremely important if you are involved in a partnership or corporate entity in which the financial burden is unbalanced, meaning someone in the group has more to lose financially. The personal guarantee will also reflect directly on each person?s financial statements. This will be very important when you decide, either individually or as a company, to borrow more money. All of this should be addressed in the business plan ahead of time. If the financials are strong, you may be able to sign as a business, and not worry about the personal guarantee. If not, one way to negotiate is to ask for a clause which will let you sign personally for a designated time period, and then if your business and financial statements are healthy enough, to resign as a business only, removing the personal guarantee, and continuing the remainder of the lease.

To increase the likelihood that you sign the lease that you need and are going to get what you pay for, make sure that you:

? Describe in detail the landlord’s responsibilities to tenant. For example, a carefully drafted lease will set forth the hours during which heating and air conditioning will be provided and will establish agreed-to temperature and humidity ranges.

? Define what constitutes a default by the landlord and describe the remedies available to the tenant if the landlord fails to perform its obligations. Many landlord lease forms eliminate these provisions entirely or severely water down the remedies available to the tenant.

? Provide a method for quick, inexpensive and final resolution of any disputes over the lease.

? Don?t get too emotional about a space or time frame, and make sure you have your money before you sign for anything.

? Negotiate for the future of your business.

Other ideas to consider further:

Option to buy property

Sound proofing the location.

Rent averaging ? lower rate escalating yearly to higher rate.

Substantial and Partial Destruction and Timely Remedies.

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Untold Facts About The Commercial Real Estate Loans

Looking for buying a property? Getting short of money? Avail commercial bridging loans that look after all your financial shortage while you go for buying real estate.

Commercial real estate loans come handy if you want to buy a property of any of your purposes like for business use, agricultural use, development of resorts, recreational center, motels, shopping centers etc.
Commercial real estate loans bridge in the necessary finance needed by you to own a property or real estate.

The loan amount generally approved as commercial real estate loans depends upon the borrower?s repayment ability, income status, credit history etc. Commercial real estate loans are generally secured by collateral. The borrower is required to keep in his assets against the loan amount. Since the borrower keeps his assets as collaterals the interest rates charged on the loan amount is low.
The usual repayment tenure for commercial real estate loans is large and the borrower can repay back in easy monthly installments. However the exact interest rate may vary according to the lenders policies. However the loan amount borrowered should be properly calculated so that the borrower does not borrow an amount that he has difficult in repaying.

Commercial real estate loans can be availed online. The borrower just needs to fill in a simple online application form and apply for different quotes. Many private as well as governmental institutions provide commercial real estate loans. Online one has a range of choices for commercial real estate loans. The borrower needs to do some research to find out the best suited deal out of the lot. Many real estate agents are available in the market which can help you get what you desire for that to on most reasonable rates.

Now you do not need to worry about any financial problem involving real estate. Commercial real estate loans helps in overcoming all your financial difficulties by providing the necessary finance you may require.

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Flat Fee Mls Listings to Sell Homes

By asht paul

 Home sellers now have more options for listing their homes for sale, and in the current economy, many decided to walk the path”For Sale by Owner’, often coined as”FSBO.”While employed FSBO sales method can be cost-effective, there are limitations that one do not face in recruiting estate agents.

Attracting buyers to your home for sale is truly one of the most important ways that your home is sold, the sales at the time that you want for the price you want. But how to attract buyers without spending thousands of dollars to the agency a list of your home? Many home owners who have decided to sell their home on their own have found that it is just a fee MLS listing is the best way to get the most attention to your home, for one-time payment available.

Making the decision to sell your home on your own is not always an easy choice. You probably have many questions about how to sell to, what to do and how to put on the market. Although there are many things that deal with domestic sales can be worth your time to help save money. Home owners may choose to sell their homes on their own for several reasons, and usually the most common reason is because they do not want to pay the Agency.

When you decide that your home ready for sale on the market, are you aware that you can avoid the large fees charged by agencies and still get to see your ad? There is a way that many people selling their homes have been found to work well and save money - the listing of your home as a flat fee MLS listing. Why would you want to list your home on your?

Most people have heard of or used MLS listings to find their homes. This is one of the most common tools for home buyers searching for their dream home. You probably have known persons who have their homes listed on the service, but may not be familiar with how to do it themselves. Even if you are not computer savvy, you can still use flat fee MLS listings to post a list of your home.

MLS Listing Service or more, is often used a database containing entries from homes for sale. It is used by agencies and home buyers seeking new homes. This can be accessed by almost anyone and is a great place for your listed home. Listing your home with a flat fee MLS listing allows you the freedom to sell their homes and in their still get the benefits widely viewed listing services.

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Real Estate

What Commercial Real Estate Investors Should Know About Cap Rate

CAP rate or capitalization rate is the ratio of annual rental income of the property over the purchase price. This number is often shown on commercial property listings. So you must know this jargon if you want to invest in commercial real estate. It?s commonly a number between 3% to 10%.

For those who invest in the stock market, cap rate is the equivalence of the inverse of P/E ratio. So a cap rate of 5% is equivalent to P/E ratio of 20. The main difference is in real estate the earning is real while it’s accounting earning in the stock market where earning can be reinstated years down the road!

The higher the CAP rate the higher rental income the property produces and thus the less money you need for down payment. Experienced investors often look at the CAP rate to screen out properties with low rental income. Some investors prefer properties with the cap rate that is higher than the interest rate they pay for the loan. That way they know they collect more from the tenants than they pay the bank.

When the property has high vacancy rate, listing brokers often show proforma (or potential) CAP rate instead to catch investors? attention. Let?s use the following example to illustrate the point. A property is listed for $1M and is 90% leased. It has gross leases with an actual gross income of $90K/year and $30K of annual expense. Assuming the proforma income is $110K/year when it?s 100% leased at higher market rent. So 3 different listing brokers could display 3 different CAP rates for the same property:

? The first broker may use NOI (Net Operating Income) of $60K/year ($90K of gross income less $30K of expenses) and thus the net CAP rate is 6%. This broker calculates the cap the way it should be.

? The second broker may use the gross income of $90K and so the gross CAP rate is 9%.

? The third broker may want to use the proforma income of $110K to get investors? attention and thus the proforma CAP rate is 11%!

So as an investor, you need to know what CAP rate, e.g. net, gross or proforma the broker uses. Otherwise you may offer too much for the property. At the same time, when you tell your broker to look for properties with a certain CAP rate, make sure the broker knows what CAP rate you have in mind.

The returns of a commercial property investment come from 4 sources: appreciation, cash flow, i.e. cap rate, depreciation (tax writeoffs), and principal reduction from your mortgage payments. If you invest in the ?right? property, the biggest chunk of your investment return should come from appreciation. There is often a conflict between cap rate and potential for strong appreciation. Properties that offer potential for strong appreciation, e.g. newer properties or ones in good location tend to have lower cap rate. On the other hand, properties that are in poor condition, or have ground lease are much harder to sell. As a result, seller will try to attract the buyers with a higher cap rate. If you see a property with unusually high cap rate in California, e.g. more than 7%, you should ask yourself ?what?s wrong with this property?? Chances are you will find a compelling reason why it is so high.

Is the property with highest cap rate the ?best? property? The short answer is no. If investment was that simple, you would not need an investment advisor. Cap rate should be one of the various other factors you consider whether you should invest in a property. It should not be the only factor. Besides, you can improve the cap rate by

? Increase the occupancy rate.

? Raise the rent when the current leases expire.

? Negotiate for leases with annual rent increase.

? Bring in tenants willing to pay higher rent.

? Improve the property to attract more upscale tenants.

? Reduce the expenses not reimbursed by the tenants.

By doing so, you can increase the cap rate and consequently the value of your investment.

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After applying, do not forget to keep all records received from the lender and follow up with weekly phone calls to make sure things are moving on time.

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Added: June 24, 2007

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Commercial Real Estate Investment - Beware Of Deceitful Intent

While investing in a real estate, investors have to be very careful taking many precautions, checking and verifying all documents and making sure that they have invested wisely. They have to take adequate precaution to ensure that their investment is secure too and not be subject to fraud or deceitful intent of malicious persons.

What Is Deceitful Intent?
Deceitful intent is any kind of deceit or a breach of confidence or distortion of facts, by which a person tries to gain unjust, mendacious advantage over another person. It is a means by which facts are knowingly misrepresented or stated intending to deceive a person with disregard for the truth and where the victim unaware of the malice believe the facts and acts to his or her discredit.

Investors who are purchasing property with tenants, going to rent a property, or going to offer a lease option should be extra careful in closing any deals and must beware of deceitful intent. There are so many individuals who are on the look out for a trusting landlord, who do not have any fraud prevention programs, and unwittingly rent their property to these frauds who will not only be delinquent in paying the rent but may also have caused extensive damage to the property. They use unsuspecting landlords as revolving lines of credit and with deceitful intent abscond without leaving behind any tracks to trace them.

Senior citizens are the most common victims of commercial real estate investing fraud such as deceitful intent. They unwittingly are duped into buying uninhabitable property by smooth talking frauds.

While purchasing a property extra care should be taken to verify that all facts are correctly represented and that the buyer is not being duped by misleading statements of facts by frauds with deceitful intent. The buyer has to carefully study each document, use a reliable attorney to verify that he is not being duped in any way, insist on document proof for any claims made about the property, study tenant information in detail, asking for records to prove they are not delinquent, problematic tenants etc. Until and unless you have verified, studied and analyzed each and every document relating to the property and you until you find no signs of deceitful intent and are sure it is a legitimate deal where you can expect to profit, do not sign any agreement. Investors have to be extra careful while taking over an existing loan agreement or land sale contract.

Carefully scrutinize the loan balance; expenses incurred, the tenant records, liens if any etc. before finalizing a deal. Carefully verify the due-diligence and proceed if you are sure you are not a victim of deceitful intent.

There are firms that offer help as well as services and products to run businesses successfully.

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Real Estate

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While the costs of the loan are important, choosing a mortgage lender is about more than just the money.

Real Estate

Mortgage Rates End Week on Three Day Skid. Fed Rate Hike Not to Blame

Posted To: Mortgage Rate Watch

All I can say about yesterday is that it was an UGLY UUUGLY day for interest rate watchers. Mortgage rates were pressured higher right out of the gate following a warmer than expected read on producer level price inflation. And then, to make matters worse, as the day progressed, benchmark rates drifted even higher, this forced prices of mortgage-backed securities progressively lower. By the end of the day all lenders had repriced for the worse, some even did so more than once! Following two action packed days of economic data, today was a little quieter, we only had one data release. The Bureau of Labor Statistics this morning released the Consumer Price Index. This index measures the price change of a fixed basket of goods and services purchased by consumers, also known as inflation, the enemy…(read more)

MBS CLOSE: Fed Raises Discount Rate. Not A Huge Deal!

Posted To: MBS Commentary

The Federal Reserve Board on Thursday announced that in light of continued improvement in financial market conditions it had unanimously approved several modifications to the terms of its discount window lending programs. Like the closure of a number of extraordinary credit programs earlier this month, these changes are intended as a further normalization of the Federal Reserve's lending facilities. The modifications are not expected to lead to tighter financial conditions for households and businesses and do not signal any change in the outlook for the economy or for monetary policy, which remains about as it was at the January meeting of the Federal Open Market Committee (FOMC). At that meeting, the Committee left its target range for the federal funds rate at 0 to 1/4 percent and said…(read more)

Guide to Selling Commercial Real Estate

Commercial property for sale is gaining popularity more than ever, but is still a difficult venture especially for the newbie real estate agent. This can sometimes cost an enormous amount of money. Which is why free classifieds offers a place for you to list your commercial property, whether you are a real estate agent or a private individual.

The following article offers you some methods in exposing your commercial property without spending a fortune on advertising.

1.List Your Property Online For Free

Many online classifieds allow free ad posting for your property for sale. These sites even lets you list your properties in bulk, without restrictions. Often, Australian real estate listings online get you more exposure quickly without asking you to pay huge prices compared to traditional classified ads in your local paper. Also, they provide more marketing and advertising options for your convenience. Sometimes it is worth putting a little money into some ads if it means the difference between having to pay a commission and pocketing it for yourself.

2.Invest in a Quality “Commercial Property for Sale” Sign

A good quality “Commercial Property for Sale” sign is an excellent way to make people know and get interested in your property. If you are situated on a major road, a good sign attracts passing traffic and locals looking for property to move their business. Basically, your sign targets those people who may not have gone through the Net for Australian real estate, or those who may have missed your real estate listing. In successfully advertising commercial real estate for sale, you have to explore all available options, whether online or offline.

Many people are unaware of the properties around them and do not have the time to go looking. By placing a large visible sign on your property, you can draw attention and create excitement in the property.

3.Free Real Estate Publications

Many suburban areas have ‘free’ local publications that include real estate for sale in the area. Contact these publications and see if they take advertisements free. Since most are looking for ‘free’ content to add to their publications, they are usually very willing to work with you.

If this doesn’t work for you then you may need to contact a commercial real estate agent and work with them to get your property sold. Many sites provide information on property brokers in different areas and they can assist you to find a professional who will be able to help you too.

No matter what, keep your ads going. It can take quite a while to sell your commercial property depending on your area, but continue to provide information in publications and websites, and your efforts will bring rewards in no time.

About the Author

Barbara writes articles and press releases for http://www.ozfreeonline.com - this piece she made served as an article exclusive for http://realestate.ozfreeonline.com - which offers a comprehensive list of office & commercial real estates, homes for rent or sell and an apartment finder to thousands of properties in Australia.

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How to Succeed in Commercial Real Estate - No Matter What the Market is Doing

Last month I talked about how the ease of credit will make owning an investment property, especially an apartment property a little more challenging. I should have probably done a better job of framing this article because, quite frankly many of our members started to panic.

I started to get phone calls, voicemails and emails with about 90% of them wondering if the bottom has fallen out of the real estate market and if they should be running away from commercial investment real estate (especially apartments) at the current time?

My answer is NO WAY!!

For some reason a few people took my article to mean that Armageddon is heading for apartments and investment real estate world. Well, that is not what I meant so lets get to the bottom of what I did mean.

First, there are always good deals to be found. No matter what the state of the market always keep in mind that there is always a good deal. If you know what you are doing you can make money in any market. Hot, cold, slow, fast, etc. It really does NOT matter. Now, are these deals going to come and knock on your door this evening and say,

?Hey, buy me, I am a great deal!!? You and I know that this does not happen (even though many people think that this will happen?you know the kind, no work plus a lot of work plus a few affirmations = success). Really good deals should not be easy to find. That is right, they should not be easy to locate. It gets back to the old saying of ?If it was that easy?.?

I Compare It To Needle In A Haystack

I do compare finding a great deal with finding a needle in a haystack. It is that difficult because of two things: 1) There just are not that many great deals on the market at all at any given time. It gets back to the old 80%?20% rule but in my opinion when it comes to investment real estate I think it is more of a 95%?5% rule.

Some of My Best Clients Still Need Reminding

Even some of my best clients need reminding of this. When some of them contact me they are disappointed that I do not have a great deal for them right there on the spot. Or, even if they have to wait a few weeks many start getting antsy. Let me give you a great real estate law to live by. Let’s call this Garman?s Law: Here it is?..

All Great Real Estate Deals Happen Slow?. Not Fast.

The best real estate deals that I have ever been involved in were slow movers. Slow finding the property, slow due diligence, slow negotiation, etc. It was slow not fast. It is the fast deals that you need to be concerned about. These are the ones that can disappoint you.

So who?s left??

Here is the writing on the wall. If this is the case and our good and even substandard tenants are getting financing to buy their own place, who is left over to rent your property??

People serving time! (Just kidding). But close, people that are sooo bad that they could not get a loan. And, most of the time these are people that you do not want occupying your rental home, apartment or commercial property either.

So, what do you do? Do you run away from this, get out of the commercial investment business altogether?

Of course not. But, you better make sure

So What Does All Of This Have To Do With Ease Of Credit And The Effect Of IT on Us…The Commercial Real Estate Owners and Investors?.

Here is what it means :

1) Great deals will not be as easy to find.

2) Great deals will take longer to find.

3) You will need to be a very, very good manager to lock in profits. No more winging it.

4) You will have to do more due diligence.

5) Bottom line? You will have to ask more questions.

The Main Reason People Work With ME

Of course, the main reason people work with me is that I do all of this for them. Simple as that. However, even though this is the case and I do save people A LOT of time and hassle and they do get good properties from me?.They need to be asking more questions. The majority of people that I work with DO NOT ask enough questions.

So keep all of this in mind as you go through the investment part of your life. Especially in the commercial real estate world. Nothing worth it is easy. Nothing worth it comes to you overnight. You are building wealth not an erector set.

Always Remember 95%?5%

By the way, this applies to more things than just real estate but we will keep it here on our investment real estate planet for now. The best thing you can do is be hooked up to me, constantly aware of what is going on in the marketplace. Always informed. And when that great deal comes up you will know it and not even question it.

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Darin Garman, CCIM - Top 3 Commercial Real Estate Investors Time Management Strategies

One of the questions I get asked a lot from clients is how do I manage
multiple real estate deals projects all at once? “How
to Succeed in Commercial Real Estate?” Here are some specific strategies
for you to consider:

a) Who to spend time with?

You need to consider spending BUSINESS TIME on only those who are going to
contribute to your bottom line and goal achievement. All else needs to get put
into the “we’ll get back to you” pile. It is easy to get locked up with people
that do nothing but take up your time. Don’t do it.

I constantly have people wanting to meet with me, talk with me, etc. that don’t
contribute to the achievement of my goals they get put on the bottom of the pile
and sometimes I never get back to them.

b) Keeping away from time vampires.

Time vampires are those that call you, come into your office, and tell you
the “whole story” constantly. You need to politely tell these people “adios”.
You ever notice that you have those days where you have a lot of activity and by
the end of the day you really have not gotten anything done? Time vampires are
the main reason why.

c) Having a clear objective in the first place.

What are your goals, your objectives?? Where do you want to end up? How do
you plan on getting there? Without a plan you will be spinning your wheels and
the cash flow and value of your will suffer because of it.

So, there you go. We did not reinvent anything today, but it is surprising how
the use of your time is tied to your income and the results you want.

About the Author

From Darin Garman, CCIM:

If you have not taken advantage of my special limited time 2 month
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How to Succeed in
Commercial Real Estate

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Commercial Real Estate Investing: Five Ways to Make Money

Fundamentally, there are about five different ways to make money investing in commercial real estate. Each one should be considered a tool in every investor?s commercial real estate investment toolbox:

Strategy #1?Equity Buildup: Most people are familiar with the concept of increasing the equity in a property. Equity build-up is one of the key ways to make money in commercial real estate. It can be done four ways:

One is to initially buy the property below market value. This gives you immediate equity buildup. To do this successfully, it?s important to have done your ?due diligence? on your property, understand your buyer?s needs, as well be a skilled at negotiating.

The next way to build up equity is through appreciation of the property. This can easily be done if you are keeping the property in good repair and making sure that when you purchase the property, it is in an area that is growing. It?s value is bound to appreciate over time.

The third way to buildup equity is by paying down debt. The key to this strategy is to always strive to get the lowest interest rate possible on your mortgage or other debt instrument.

The fourth way to create equity is when it?s time to sell, invest the effort to sell at above market value. Again, knowing your prospective buyer, having access to critical information, and being skilled at negotiating can give you an immediate boost in equity.

Strategy #2?Depreciation: At tax time every year, you can receive an after-tax profit boost because the calculated depreciation is taken is taken as operational expense directly against your profits. There is one caveat however: You can depreciate the cost of the buildings, but not the cost of the land.

Strategy #3?Collect Rents: Getting the property to carry itself is the goal. But don?t stop there. You want the rents to not only cover the mortgage and ongoing maintenance and any major repairs - you also want the extra cashflow to perhaps pay down the debt to increase equity or fund another investment.

Strategy #4?Offer Attractive Financing: When it is time to sell the property, you can often negotiate a better deal for yourself when you offer attractive financing or more convenient terms to the potential buyer. For instance, a prospective buyer may be willing to pay a higher overall price if they don?t have to pay as much cash upfront.

Strategy #5?Add Significant Value to the Property: This is one of the most valuable ways to make money. When you add significant value to a property, you can often get a big boost in profits. Adding value can be done several different ways:

First, look at making strategic improvements. Making repairs is obvious, but also look for strategic improvements to make in the property. By strategic, we mean to concentrate only on those items that will raise the value by multiples of what they cost you.

Then, analyze whether there?s an opportunity to convert a higher and better use. When there is a higher and better use for the property, it can be worth substantially more. For instance, if you own raw land in the path of progress, you could get it converted to commercial zoning.

There is an old saying ?Buy by the yard, sell by the inch.? Applied to commercial real estate, it means breaking up a property can often increase the value. For example, you can buy raw land, turn it into a subdivision, and sell off the lots to independent developers to build on.

In summary, use this quick ?checklist? as a way to jumpstart your commercial real estate money-making creativity. It will give you some additional ways to make money you may not have thought of before.

Here?s the key takeaway: When investing in commercial property, a savvy investor will always factor in as many possible ways to make money into the investment as possible. Because that?s the name of the game?to make as much money in as many ways as you can, with the least out-of-pocket investment.

Real Estate

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Three Character Attributes Every Successful Commercial Real Estate Investor Must Have

Known for his tremendous wealth, ability to put together the largest, most profitable commercial real estate deals, and famous reputation, Donald Trump is the commercial real estate investor icon of our times.

Although we know he has extremely creative financial and investment strategies, and expert legal advice from people such as George Ross, he has more than just the average investor. There are other investors who probably know as much as Donald does, or more. However, they do not have the successful qualities that allow them to create such wealth from commercial real estate and accomplish the goals Donald has in his years of experience.

Donald has three successful qualities that you need to possess to truly create the quality of deals and wealth he is known for. These qualities are his ability to build relationships with everyone he works with, his ability to sell the big picture, and strong, overpowering charisma that takes a room by storm.

Almost any deal can work to your advantage if you work on and develop these skills. You may have strength for one or another. However, in order to have this industry at your fingertips, you must master each one. Success is delivered through the relationship between these characteristics, as one is not as good without the other or by itself.

Being able to build relationships with everyone that you work with is absolutely critical in the commercial real estate industry. You want to rub elbows with the decision makers in your city; those who run the chamber of commerce and zoning and planning committees at every level of the city. Get past the gate keepers and speak to the core people asking for their advice and become close acquaintances on a first name basis. These relationships can be implemented before you even think about doing a deal where their influence may be necessary. Relationships will not only get you insider information, but will give way for special favors and a good word to others who may influence your accomplishments.

Charisma is the ability to ignite passion and motivation among all those who are in an ear’s reach of the person. Charisma allows everyone to breakthrough barriers that otherwise would remain standing. Those who are charismatic can make even opposing forces to agree on a common goal and move forward ambivalently. Donald can do just this- igniting passion and excitement that lines people up to follow in his direction. He becomes a true leader that others happily follow because they believe in him and his message. This characteristic will let you bring people on board that otherwise wouldn’t even think about working in your favor. It is a very helpful and powerful characteristic to possess.

The final characteristic is selling everyone on the pig picture- everyone who is influenced by the value created in the deal. The community, the city, builders, developers, banks and even businesses around the location in which the project is growing all need to understand what is not there currently. As you know, these projects that were once old, dilapidated buildings that did absolutely nothing but bring the city down, can be turned into multi-million dollar establishments that can change the value of the entire city.

Do you have these qualities? Do you see yourself having the same effect on others as Donald Trump has had on the many people he has worked for? Everyone can master these abilities with a little focus and practice. Study others who are successful and possess these qualities. And remember that they are most effective when working together, not standing alone.

Specializing in commercial and investment real estate, Tony Seruga, Yolanda Seruga and Yolanda Bishop are always searching for new and profitable commercial properties across the U.S. Visit www.maverickrei.com for more great information.

About the Author

Tony Seruga, Yolanda Seruga and Yolanda Bishop of Maverick Real Estate Investments, Inc. work with builders, developers and other players in the commercial real estate industry to acquire and develop properties. They use progressive investment strategies that have proved extremely profitable. In addition to their own deals, they teach both seasoned and inexperienced investors how to be big players in the game. Visit the website for more info.

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The February 15, 2010 Implementation Date Will NOT Change for Mortgagee Letters 2009-28 and 2009-51

Important FHA notice for all mortgagees: The February 15, 2010 Implementation Date Will NOT Change for Mortgagee Letters 2009-28 and 2009-51: Implementation Date for New Requirements in ML 2009-28: As indicated in the industry email of December 22, 2009, enactment…

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Press Release: February 17, 2010 Oklahoma City, OK a la mode, inc., the dominant provider of appraisal-related technology and services to the mortgage industry, today released the first public edition of The Appraisal Fee Reference. The AFR is the…

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Real Estate

Commercial Real Estate Loans

Are you considering buying a new house soon? Buying a new house is probably the biggest investment one can make in his lifetime. Buying a new real estate certainly requires a lot of money. It is not possible for everyone to finance the real estate from own sources. This is where Commercial real estate financing becomes a necessity in gaining access to the much-needed funds.
Commercial real estate loan is one of the types of real estate loan. This loan can be used to buy, improve or refinance commercial property, if you own 50% or more of the real estate. Commercial loans are the best option if you are looking for funds to finance buildings or land for business purposes. This type of loan falls under specialized mortgages owing to the fact that the lender has a legal claim over the property until the loan has been repaid completely.

Financing for commercial real estate loans is completely different game when compared to residential mortgage loans. Commercial real estate loans move faster as compared to residential mortgage loans and are more flexible. National standards require a commercial loan for any property with more than four units.
To apply for a commercial real estate loan you need to provide the following:
? Provide at least two years worth of tax records
? You need to provide balance sheet statements from the building to demonstrate its success as a business enterprise.
? You will have to make a down payment of at least 20% to satisfy commercial lending requirements.
? For small investors interest rates may be around 1% higher as compared to the residential loans.
You need a moneylender who can assure you
? Highly competitive interest rates on loans depending upon your situation
? Dedicated and pre-approved lenders with knowledge and decision making ability
? Flexible financial solutions
? Flexible terms and rate options
? Less paperwork including no financial documentation program
? Save thousands of dollars on closing cost
Today one can find thousands of financing lenders on the web. This makes it very much important to select a financial lender that best suits your requirements. It would be advisable to make use of commercial mortgage lenders database that enables direct access to your type of lender and avoid you falling in the hands of a broker.

Commercial lenders are fussy. So just relax even if your loan gets down, simply go to the next four cheapest commercial loan lenders on the list and apply with a simple mouse click. There are lots of “A” paper lenders; “B” paper lenders and easy “C” paper lenders. All you have to do is just fill an online application form and a lender will contact you within 24 hours giving you details about the loan.

About the Author

Darren Dunner is a professional writer currently writing about I Loan Resource. Visit www.iloanresource.com/
for more information on the subject.

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Buying Guides of Commercial Real Estate

Buying Guides of Commercial Real Estate

If you are looking for the perfect storefront or an apartment complex to generate some extra income, commercial real estate can be a solid investment. Halfvalue enables you to search for commercial real estate properties nationwide. These are few guidelines which will help you to buy a perfect commercial real estate.

* Find out Commercial Real Estate Commercial real estate is potentially any real estate other than a single-family home. The term generally applies to office buildings, apartment complexes, retail properties, warehouses, educational buildings, and manufacturing facilities. Commercial real estate can already have a business on it, like a gas station or a restaurant. It can also be unused space, like a vacant lot or mini-mall.

* Goals of Your Commercial Real Estate Buying commercial real estate can be a good way to invest your money. Most people start buying commercial real estate for one of the following reasons: a specific business use, extra rental income, or to build equity.

* Build equity with Commercial Real Estate Equity is the value of the owner’s share in a property. When you finance a large sale commercial real estate purchase, you’re borrowing the money from the bank and slowly paying the bank back. With each dollar you pay back, that much of your equity is growing. Think of it as the ultimate piggy bank, where every dollar you put in gives you a little more of the property. And if your commercial real estate property appreciates, that single dollar can end up being worth more than a dollar. As the value of your commercial real estate property increases over time, so does your equity.

* Plan Commercial Real Estate Investments No matter what kind of commercial real estate property you buy, real estate appreciation is usually a slow process. You’ll need to make a solid plan and account for potential problems.

* Finance Commercial Real Estate Before you secure financing, it’s important to know exactly what you can afford and how much risk you’re willing to accept. Determine whether the rental rates can support the expenses of the property, including but not limited to the loan payments, taxes, insurance premiums, and repair and maintenance.

* Pick the right Commercial property Before you can decide what kind of commercial real estate property you want to buy, it’s important to take into account your skills, ability, and the amount of time you want to put into it. If you can afford a 10-unit apartment complex but don’t have the time (or the stomach) to deal with 10 different tenants, then maybe a duplex is more your speed. If you’re a do-it-yourselfer, then maybe you can buy a fixer-upper and make more money by doing the work yourself.

* Tax and investment goals Consult an accountant and make sure you structure your investment to meet your tax and investment goals. There are many commercial real estate books available on Halfvalue to help. You learn more about buying commercial real estate property and how to make it work for you.

* Buy Commercial Real Estate With Confidence The information contained in this Buying Guide is intended for general information purposes only. You should conduct your own due diligence into all aspects of a real estate purchase and depending on your situation; you should get assistance from experts, including a licensed real estate broker, a property inspector, title/escrow company, attorney, and/or financial advisor.

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