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From that perspective, it only makes sense to shop around for a lender that you can work with for that length of time.

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Dutch: PSV beats Heracles to keep league lead

AMSTERDAM (AP) — PSV Eindhoven maintained its three-point lead at the top of the Dutch league after a goal from Ola Toivonen secured a 1-0 victory over Heracles Almelo on Sunday.

Commercial Real Estate Loan Myth Debunked!

Setting The Record Straight

There is a metaphorical place in any business when the seeker of inside secrets reaches that signpost that says something like: ?Beewair ? Theyre bee Dragyns ahed.? Again, keep in mind I am being highly metaphorical, but I?ve been asked a number of times about a certain type of commercial real estate financing that makes me begin to suspect that someone is out there selling investment property ?treasure maps? for $5.00 each! And you know just how much treasure you will find following such a map. So as a professional commercial real estate loan broker, I am here to set the record straight:

NO LENDER offers a 100% Loan to Value commercial real estate loan.

And I define ?lender? to mean a source of capital that provides debt financing, secured by real property.

So for all of you seeking that 20% Seller Carry and the 80% purchase money loan on a property you think is worth three times the purchase price ? please, join us back here in reality. If pigs had wings, they would fly. So, if a lender was willing to allow you to purchase a property on those terms, why would they need you? They would make a whole lot more money doing the transaction themselves!

Here is the reality concerning commercial real estate from a lender?s perspective: Commercial real estate is considered an investment, not a basic need, such as a roof over your head. Because investment real estate is ?secondary? to a borrower?s personal residence, it is usually considered a higher risk loan.

Why?

If the fit hits the shan in a borrower?s personal life and money becomes tight, lender?s conventional wisdom says that the borrower will shift his resources to protect his personal residence ahead of his commercial investments. This may not seem immediately apparent when you look at the spread between home loan rates and Wall Street conduit rates (these commercial rates are actually lower than most residential ones). However, you need to check the terms to see the difference.

You can still by a primary residence with no money down and good credit. You can not purchase a commercial property without some form of equity investment. In most cases, the commercial lender wants to see a minimum of 15% equity in the deal, although you can find some that will allow 10% provided the property meets minimum debt service requirements. But good luck finding that situation in most good markets. Oh, and very few commercial loans go full term like residential loans (yes, I know that there are exceptions). Most are balloons at 10 years.

Yes, you can engage a mezzanine lender to fund almost all of the equity difference, but you are really going to pay for it either in points and rate or in some form of equity kicker ? which takes us away from my definition of lender. And mezzanine lenders don?t make loans on the property itself ? which is a whole other story.

Thus, it bears repeating: There are no 100% LTV commercial loan programs! Commercial real estate is for serious investors with equity to risk, a positive net worth, and an asset that a lender would feel comfortable encumbering. So the next time someone approaches you with a map to a pot of commercial real estate loan ?gold? ? save your money for a latte at Starbucks!

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A lender you are considering can give you an indication of the performance of the loan in the past.

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Bulgogi is one of the most famous Korean foods. Many foreigners visit Korea and try this delicious dish and love it. It not only has good flavor, but the way of eating this food is unique. We usually grill bulgogi on the table while we are eating a meal in a restaurant. Wrap bulgogi with lettuce and add soybean paste, garlic, onion, carrot, or cucumber depending on your taste. If you have a chance to visit Korea, I recommend you to try bulgogi. If you don't? Then, try my recipe at home. hehe ** Songs for this Video: Artist: (Jewelry) Title: 1. / 2.

Investing in Commercial Real Estate

You have been investing in residential properties for some time now and you feel like you can make the jump to investing in commercial real estate. This could be true, but keep in mind that investing in commercial real estate is far more risky and more expensive than investing in the residential real estate that you are used to. Because it is riskier, it normally can make you more profit. There are positives and negatives to investing in commercial real estate.

In general, the profit attained from commercial real estate can be traced back to the overall economy. As things look up in the business world, the value of commercial real estate tends to be on the rise. Commercial real estate has increased in volume approximately 20% over the last few years, making it easier for small investors to profit from this niche of the real estate market.

Of course, the value of all commercial real estate is not solely dependent on the overall economy of the country, it is more dependent on the economy of your region, town, or even neighborhood. If your property is located in an area that has seen little growth in recent years, you are not likely to make a decent profit.

During a recession, commercial foreclosures and vacancies tend to be more likely than residential foreclosures. In the case of a vacancy during a recession, the property owner may be forced to sell the property for less than the value in order to keep themselves afloat. These factors contribute to the risk of commercial real estate investment. However, during a boom in the economy, there are many people that want to try their hand at their own business or expand their current business, which opens the door for more tenants for commercial real estate.

One way to invest in commercial real estate without going out and purchasing a property is through something called a REIT (Real Estate Investment Trust). These are traded securities that allow the smaller investor to become a part of a large scale commercial project. Most REITs specialize in certain types of properties such as office buildings or hospitals, which add to their stability. There are several benefits to REITs ? they are traded like stocks, so you can buy and sell them as you wish; the share price will increase in value as the property value increases; shareholders, in many cases, get a share of the rents generated from the property.

REITs have become very popular in the last few years because they are generally a positive investment. REITs are required by law to distribute 90% of their profits as dividends. These dividends are paid to the share holders. REITs also hold some tax benefits that will save you money on April 15.

There are several methods of investing in commercial real estate, and we have just touched on a few. Like anything else, investing in commercial real estate is not for everyone, but with a little knowledge of the situation and good problem solving skills, this type of investment could be the boost that your finances need to get you where you want to be.

Ventura County Real Estate

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How to Grow Further in Tampa Commercial Real Estate Market

Art, history and recreation, these are some aspects that Tampa has to offer. Tourism and entertainment, these are where Tampa derives much of its local revenue. Tampa has wide variety of culture and has lots of recreational facilities such as attractive beaches, sunny environment and has even a good place for playing golf. Isn?t that amazing!

Tampa is a tropical city that has a lot of beauty to offer. Tampa, Florida is certainly a good place for business. A lot of corporate centers have relocated there business in Tampa which makes a big growth to the economy of Tampa. High quality and rich life are very much available for all of you who wanted to invest in Tampa. Actually, Tampa is a top choice; since Tampa commercial real estate has a lot of features and there are wide ranges of property types to choose from.

But I would say, for investors, purchasing commercial property like in Tampa is certainly not an easy task. Absolutely, you don?t want to put your money and investment into waste, right! So planning is very important. You have to do certain procedures in buying a commercial real estate.

A lot of investors, actually huge and enormous investors, think that the place has turned into one of the most expensive places for office sites and commercial spaces, that?s why they are wondering on how to have a great deal on leasing for their offices in Tampa commercial real estate. But you?re wrong, very wrong? Tampa commercial real estate market certainly offers the most affordable commercial properties in the US. Honestly, the owner of the commercial real estate can even demand high prices on office rents. You may be asking why that is so! They can demand high prices on office rents since all the amenities are provided for in site where the building was developed.

Tampa commercial real estate has the lowest interest rates and has an outstanding market to offer for relocation. The buildings are very much stable and will always be for the next more years to come. So, Realtors suggest that the commercial real estate market in Tampa will still be competitive selling market. Now, constructions will be a pat of the Tampa commercial real estate life, since it is continuously going strong and growing.

For new commercial investor, looking for sale commercial real estate in Tampa is just like doing the same process as looking for residential real estate. Tampa commercial real estate listings are available for you on the Internet and of course through the real estate companies. If you do not want to waste time on looking through the commercial real estate properties, you can use the help of a Real estate agent. Real estate agents can guide you with the listings and can help you limit your search to few great properties that will definitely suit your needs.

If you are planning to buy a Tampa commercial real estate property, so for sure you already have the parameters that you are assessing for, such as the size, the shape and the site of the property. You have to have listings of the things you want and need in your ideal property in mind. So the Real estate agent would now what is the appropriate commercial real estate for you that will surely fit your needs.

You have to look and make sure that you will have a real estate agent that works mainly in commercial real estate. That agent should now the area and f course the local real estate market. But, I would say do not be afraid to do research on your own. The more you have the idea, the more you can find a better agent. The better the agent, you better you will be.

For all the investors, a new one o even the huge ones, this is for sure the commercial real estate in Tampa will definitely provide you peace of mind. Owning and investing like the condos, retail, offices, buildings and the like, will absolutely be a dream comes true.

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Real Estate

Simple Steps to Building a Buyer’s List - Commercial Real Estate

When you are in the business of rehabbing or wholesaling real estate a buyer’s list can be your best friend. There are many ways to go about obtaining a buyer’s list such as buying one from a host of companies. However, nothing can compare to building your own list for many different reasons.

When you build your own buyer’s list, you know for sure who the people are on your list. In other words, you are not simply buying names, having no real idea if the people listed are actually interested in purchasing wholesale or rehab real estate. For that matter, you have no idea if these people are actually interested in purchasing real estate from your area. Buying a list is never a good idea as a whole.

Building your own list gives you many advantages. The people listed on your buyers list have actually given you their information personally. They have expressed an interest in buying real estate from you and what is more, they have expressed an interest in buying real estate in the area in which you offer it.

Another advantage of a buyer’s list is that it allows you to target specific areas of interest. You may have more investors looking to buy real estate on one side of town than they are on the other. Buy building a buyer’s list you have the opportunity to get a good grasp on what your buyers want and where they want it, allowing you to make the appropriate decisions on your investment. With a buyer’s list you have a better chance at selling and getting a return profit. The real estate sells quickly, in most cases, and the profit starts rolling in, if you have done your homework, research, and built a reliable buyer’s list.

With that being said, here are some steps you can take to build your own buyer’s list, without even having any property on hand at the start.

Advertisement ? Your local newspaper is the best place to start. The key is to make it realistic and eye catching. You have to stand out, but you also want the prescreening of potential buyer’s to take place through the advertisement. In other words, you want to include the types of property you intend to sell, good credit required, and serious buyer’s only. You could also stretch things a little and say you currently have 16 or 17 properties. This is ok, because you are building your list.

Provide your telephone number and maybe even an incentive for their purchase, such as a free product or something similar. Be sure to identify that you are advertising to investors.

Clubs - Another great way to build your buyers list is to join real estate investment clubs. These clubs hold meetings on a monthly basis and generally are brimming with interested, potential investors. One thing you need to take note of is that you must cater to your potential buyers. Many people buy property with hopes of selling it, then look for a buyer. In other words, they are looking for a buyer for that property. It should be the other way around, you should have a buyer, then find the property based on what they are looking for.

Keep It Fresh ? You want to make sure that your buyer’s list holds only fresh names, telephone numbers, and other information. You want to have variety as well, keep names of investors on the list that are interested in various types of properties, this will help ensure that you always have options.

Make sure you take names off the list, as they are no longer interested, leave the investing business, or move out of your area. This is an important aspect of your buyer’s list, if you do not update it, you may find that you run out of investors or buyers and create unhappy people at the same time, which could hurt your business.

Information ? The information contained on your buyers list should include the following:

? Buyer’s Name

? Buyer’s Telephone Number

? Buyer’s Fax Number

? Buyer’s Email Address

? Buyer’s Area of Preference

? Cash Closing (yes or no)

? Permission to contact with future deals

? Permission to fax or email

? Price Range for Property

? Types of Property Preferences

Once you have this information, it is important to keep it in a safe spot, where you can easily access it, such as Excel or Microsoft Word. Keeping everything at hand and organized is the best way to maximize your use of the buyer’s list. Having it stored digitally in a database will help you keep the buyer’s list fresh and new. You can easily add and remove names as necessary, giving you the most up-to-date buyer’s list possible.

Success in commercial real estate selling is dependent upon buyers and interested buyers at that. Your buyer’s list will help you build a successful empire and keep the profits rolling in at the same time.

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Own a Property at Low Cost on Taking Commercial Real Estate Finance

Buying a property for investment purpose, establishing or expending business is what you are aspiring for. Commercial real estate financing enables you in owning a property that you intend to use for commercial purpose. You can buy any property like hotel, motel, office, a residential or commercial building etc through commercial real estate finance.

Commercial real estate finance is essentially a secured finance as huge funds are involved in the financing of a commercial project. The very property that the finance seeker intends to buy is taken as collateral by the finance provider. The lender will take in his possession the deal papers of the commercial property in concern and will return the papers when the loan is fully paid back. In the mean time the owner of the property can use the property for commercial purpose. But before you approach a lender you should know about the preferences of lender. You must know what is their in the minds of the lenders while considering a loan application for commercial real estate finance.

Most of the commercial real estate finance providers would like to assess the property for its income producing ability. Such a property is seen as less risky for the loan offer. Lenders think that since the property is generating sufficient income, the borrower will not delay or default on loan repayment. Moreover if we talk from the borrower?s point of view, he can take advantage of current cash flow in the income producing commercial real estate in bargaining for easier terms-conditions from the lender which will reduce the loan cost.

While looking for right commercial real estate finance provider, see if the lender knows your field of investment or industry. Such a lender if he knows you business will take your limitations in consideration and will provide a finance package that suits you the most.

See also that what type of financing you need. There are term loans which are provided for common purpose like working capital, acquisitions or purchases and main purpose is to support need of additional funds. You can take larger loan amount for a longer repayment period. If a more flexible loan is what you need then you can opt for credit lines to raise additional cash. There are many variations of credit lines to choose from. The interest rate on credit lines is decided on the outstanding loan balance.

Before settling for the commercial real estate finance deal, do extensive searching for the lenders on internet. Each lender has showcased his loan product on his website giving interest rate and terms-conditions. Comparing these loan offers is useful in settling for suitable deal. Online finance providers do not take any fee on the finance application processing and on giving much required details of the finance. This also lowers the cost of availing finance.

Commercial real estate finance enables you in owning property for commercial purposes. The finance goes a long way in giving a boost to your business.

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Real Estate

What “Location” Means In Commercial Real Estate

People often say there are three things that determine the value of a
property: location, location and location. Location is also an important factor
in commercial real estate investment. For retail properties, location is the key
as a lousy business will be successful it is at a good location. When a
commercial property is at a good location, it will attract tenants to the
property and retain them there. It will also attract the customers of your
tenants to the property. As a result, you as the owner of the property can
demand the higher rent & price for the property. So how do you as an investor
determine if the property you would like to invest is at a good location? Look
at the property and see if the property has these features:

1- Near major roads and freeways: This provides easy access to the property so
the customers of the tenants can quickly and conveniently drive to the property.

2- Near busy street with high traffic volume: Commercial listings often mention
the traffic volume in term of Cars Per Day (CPD). More traffic means more
exposure of your tenants businesses to more potential customers. This is free
advertising to your tenants. The traffic could also be foot traffic. For example
retail stores at Pier 39 in San Francisco benefit from the high volume foot
traffic from the tourists.

3- Near anchored tenants: Big retail stores like Wal-Mart, Albertsons, Home
Depot instantly bring lots of customers to their stores. So if your commercial
property is near an anchored tenant, it will benefit from the high volume
traffic.

4- At an intersection: This will give the property more visibility as it has
more frontage feet. If the property is located at a signalized corner then it?s
even better. As cars stop at the traffic light, people in the cars will notice
the stores in your property. The traffic light is also an indication the
intersection has more traffic.

5- Near local amenities: Stadium, college, big shopping mall and hospital will
bring more traffic to the shopping center. Doctors always like the medical
building near the local hospital as it is convenient for them and their
patients.

6- Easy to make left turn: The property should have ease of ingress and egress.
If it?s hard to make left turns, shoppers will less likely come to the shopping
centers. And thus it makes the property less desirable to the tenants.

7- Easy to find a parking space: People don?t like to go to a place where they
cannot find parking spaces. Commercial property must have at least 1 parking
space per 1000 square foot of leasable space. It?s more desirable to have 4-6
parking spaces per 1000 SF. The width of parking space is also important. Who
wants a ding on the door after a shopping trip?

8- Signage: Signage is an important part of a commercial property. Customers
often look for the name of the business rather than the street address. A large
and tall monument sign in front of the property with the names of the businesses
in the property is always desirable.

9- Able to attract and retain tenants: Your tenants will look for a building and
neighborhood that are appealing to them and their customers to determine if they
should sign or renew the leases. So quality of construction, property condition,
landscaping, the appearance of the building and surrounding area are all
important factors to keep the property 100% leased.

10- In a stable or growing area: You want to invest in an area where population
has increased. Review the demographic data in the property brochure to see

• How many percents the population has increased in the last 5-15 years.
• How many new homes have been built in the last few years.
• What the median income in the area is within 1-5 miles radius from the
  property

All these things will give you a picture if the town is growing.

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Embassy Suite Waikiki Beach Walk - All Suite Luxury

The new Waikiki Beach Walk on the Hawaiian

island of Oahu is the largest development in the

history of Waikiki.

The nearly eight acres have been completely rebuilt

with a wide array of restaurants, shops, boutiques,

entertainment and a number of new hotels that are

just steps away from Waikiki Beach.   

One of the new hotels is the upscale Embassy Suites

that is the only all new, all suite, nationally branded

resort in Hawaii.

The hotel offers one and two bedroom suites that feature

flat panel  TVs in all living room and bedrooms, a wet bar,

an alarm clock/radio with CD/MP3 player and many other

amenities.

You will find a 4^th floor Grand Lanai, which features a

sundeck, swimming pool, whirlpool spa, pool bar and

covered pavilion seating.

A full, cooked to order breakfast and an evening Managerss

Reception with live entertainment is included with

with your room.

The Embassy Suites gives you a local flavor by leaving a note

card in your suite that shares a story about the Hawaiian

people and their culture.

You will also receive a free CD of Hawaiian music as a

gift and a Farewell Ceremony filled with the spirit of

Aloha from the staff .

The following photo is of the Embassy Suites Waikiki Beach Walk

This photo shows a room at Embassy Suites Waikiki Beach Walk. 

The Ali’i Luau at the Polynesian Culture Center is a favorite

activity on Oahu.

For Agents And Brokers: Simple Guide To Selling Your Commercial Real Estate

If you are just starting out as a real estate agent, it can be difficult to get started selling commercial real estate. However, commercial real estate is the big money maker in the real estate business. Since commercial real estate has become quite popular since it is such a money maker, it can be difficult and expensive to get started in this type of real estate. There are, however, a variety of ways that you can get started and start getting more commercial real estate deals if you are willing to do a little work.

Online Free Ads
One great way that you can get started in selling commercial real estate as an agent is to use inexpensive methods of advertisement. One great way to get the word out there about the property you are trying to sell is to use free online ads. There are a variety of different websites that are available for you to post classified ads on that list a property, or even multiple properties for sale, and the great thing is, you will not have to pay a penny. Not only is this a cheap way of exposure, but it is also a quick way to get your property noticed. Many times, your ad will be seen quicker when you put it on the web and by many more people. Local newspapers take more time and money to get you the exposure and only reach a local group of people, while advertising with free online ads can get your world wide exposure and help you sell the commercial property.

Free Real Estate Publications
Another way that newer real estate agents can get their commercial properties noticed is to advertise them in free local real estate publications. Whether it is a publication specifically for real estate or a publication that only includes real estate, this is a great way to advertise your property for free. This is an excellent way to gain local exposure, not only for the commercial property you are trying to sell, but also for you as an agent. Make sure that you continue to run ads for your property in these types of publications. Even though at first you may not see results, remember that many times it takes awhile for commercial real estate to sell, but perseverance can lead to a large pay off when you finally sell the property.

Quality Signs
If you are trying to sell a commercial property, especially one that is near a well traveled road, you may want to invest in a quality sign to advertise the commercial property. A small unprofessional sign may not attract any attention at all, but a larger sign that is well crafted and attractive can get the attention of many people who are driving by. You never know who may drive by the property and see your sign. While it will take a bit of money to get a great sign, it will be worth the money that you spend to get your property noticed. One never knows when a local business will need a new site, or someone with money to invest will be looking for an opportunity, and your sign will make sure that they will see your property when they drive by, which may lead to a sale.

Establish Business Connections
As a new real estate agent, one of the best things that you can do is to start establishing business connections with a variety of different people. Speak with other real estate agents that are successful in selling commercial real estate and learn from their mistakes and their successes. Also try to get involved with local business people and know the market that you are trying to sell in. Often, if you can get the word out that you have a great piece of commercial property, it may spread to the right business people that will want to check it out. A great deal of being successful in the commercial real estate market has to do with the connections that you have, so work on making various business connections.

Find Your Own Leads
Even if you are working in a broker?s office, you should not expect the leads to be coming your way within the office. More than likely any leads within the office will be given to someone with more experience in commercial real estate until you have proven yourself to excel in this field. You will have to take the initiative to get the job done, and it is possible with a great deal of hard work. Check out the Chamber of Commerce in your area and find out who the business people are. You may also want to attend local zoning meetings where you will meet prospective investors who are looking for great properties. Even hitting up your local golf courses can help you make friends with local business people who may be prospective clients.

While it may be difficult to get started as an agent in commercial real estate, it is definitely possible if you are willing to work hard. Using the internet to advertise as well as free local publications can get the word out quickly and inexpensively so you will save money and get a broader base of exposure for what you are selling. Signs will also provide great exposure and show that you are serious about the commercial real estate business. Also important is making the right contacts and finding your own leads so you can excel in this business and prove to be a great commercial real estate agent. There is a great deal of money to be made in the commercial real estate industry, and hard work, dedication, and patience on your part can help you become successful.

About the Author:

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.

Hershey Pa Real Estate

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Top 10 Clues you are Working with a Commercial Real Estate Dealmaker

What makes a successful commercial real estate dealmaker? While not everyone aspires to be a Donald Trump, many will agree he does indeed have qualities of a successful commercial real estate dealmaker.

But specifically what are the qualities of a successful real estate dealmaker? What’s the difference that makes the difference? How do you know one when you see one?

After spending a good many years in the commercial real estate investment arena, I have become pretty adept at spotting them. And frankly, they are a joy to do business with. Here’s why:

Ten Clues Your Working with a Dealmaker

* Clue #1: Dealmakers are KNOWLEDGABLE. They know their market, knows his financial wherewithal in cash and credit, they know their criteria for an investment property, they know how to reduce the gap between the offered price and asking price, they know how to close deals–but most importantly: In essence, they know how to make a decision when the opportunity arises.

* Clue #2: Dealmakers use the tools of financial analysis to quickly size up a property’s potential. They know what to look for in financial statements and they retain sound counsel regarding the legal and financial decisions.

* Clue #3: Dealmakers make a constant commitment to understanding their market and refining their criteria for acquisition. You can tell by the questions they ask. They are prepared. They are thorough. They have researched the market, know what to look for, and don’t waste time looking at properties don’t not fit their profile.

* Clue #4: Dealmakers have financing already in place. They have bank references and track record that indicates they can perform. They maintain established lending relationships, can bid an all-cash price, or can assume existing loans depending on the unique requirements of each deal.

* Clue #5: Dealmakers know how they will manage and improve a property for profitability and increased equity. During their due diligence, one of their major focuses is on anticipated costs so they can factor them into their plans.

* Clue #6: A dealmaker knows it is vitally important to examine a property’s trend of operations over several years, rather than looking at just the current financial statements. This affords them a longer term perspective, once the anomalies have been filtered out.

* Clue #7: When determining the valuation on the operations, the dealmaker will use a average, forward-looking projection that reflects his own operation of the property and the effects of his own improvement plan (rather than use the owner’s stated the valuation on the operations).

* Clue #8: A dealmaker is FLEXIBLE. A dealmaker knows success is about fulfilling the seller’s most pressing needs. They sincerely attempt to structure an offer to meet the seller’s needs, rather than attempt to make the one deal structure they are comfortable with fit every situation. In short, they want, have and use the options available to them.

* Clue #9: Dealmakers NEVER try negotiate every last penny because they know real profitability and increased equity will come from their own efforts to improve the property.

* Clue #10: Dealmakers want to develop a sound strategy and business plan for each property they acquire. Then they follow through on their plan.

In commercial real estate, it’s a common posturing strategy among beginners as well as experienced people alike to “talk the talk”. But when a person actually walks the walk, regardless of the size of their investment portfolio, I have incredible respect him or her.

A word of caution: Experience or years in the business is not a good indicator of being a dealmaker. Size of their portfolio makes little difference. Personality is factor because this is a people business, but it can sometimes be misleading.

The best indicator is their ability to “walk the walk”–and that takes a little time to determine with each person.

In summary, the real dealmakers make this business easy. They even make it enjoyable. They know what it takes to be successful and are willing to do it.

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 http://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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Commercial Real Estate Desirability

For those who are looking for an excellent way to generate outside income, the commercial real estate industry is a great way to go. Many people have begun to invest in commercial real estate, and since this type of real estate is continually being purchased and sold, it has become an excellent way to invest money for a guaranteed return. Before one becomes involved in the commercial real estate market, it is highly important that they understand the commercial real estate industry and its many surrounding components.

A Basic Definition of Commercial Real Estate
First and foremost, it is imperative that one understands a basic definition of commercial real estate. Essentially, commercial real estate includes various real estate properties that have the potential to be able to generate outside revenue or even income for the owner. Whether the property has immediate potential for generating income or revenue immediately, or perhaps in the future, it can still be labeled as commercial real estate.

A Desirable Investment
Commercial real estate is an excellent choice for investors for a variety of different reasons. One of the main reasons that investors find commercial real estate to be such a pleasing investment is that is brings about both long term and short term financial benefits. In the short term, commercial real estate can help you bring in a better cash flow from the use of the property, and at the same time, in the long run the property will only appreciate in value, which will result in long term benefits should you choose to sell. Most investors also find that there is a lot less risk involved with commercial real estate than there is when dealing with other types of real estate. If you purchase apartment buildings or a strip mall, the risk of your investment will spread out among those who are renting from you, and even if you lose one of your renters, you still will be making money and seeing a return from your investment.

Commercial Real Estate Properties
Another positive benefit of commercial real estate is that the scope of properties that you can invest in is quite large. Commercial real estate includes various different properties that make excellent investments. As long as the building consists of more than four units, it can be considered a commercial real estate property. Commercial real estate also includes other properties such as strip malls, apartment buildings, RV parks, industrial parks, mobile home parks, and commercial centers.

Jobs within the Commercial Real Estate Industry
There are a variety of different jobs that are included within the commercial real estate industry, and all of them benefit from this excellent market. The investors have a very important job within the industry, since it is their money that is being used to make the property develop and become prosperous. Builders too have an important job, and many times they work within the commercial real estate industry to build new structures on commercial property such as apartment buildings or shopping malls. The lenders have a very important job, and they work to make sure that investors get the loans and mortgages they may need to be able to purchase commercial real estate properties. Also within the industry are the brokers who represent the owners and deal with the sales and property transfer issues. Last of all, but certainly not least, are the users who actually put the money in the investor’s pocket.

Financing Commercial Real Estate
Those who are planning on being involved in commercial real estate need to consider how they can finance any commercial real estate purchases. While few people can actually just purchase the property with money they already have, most people are going to be turning to other methods of financing the property. More than likely you are going to need to go to a lender to be able to finance any commercial real estate that you want to purchase, but there are a few things that you can do to make the process smother.

First of all, you will want to make sure that you have a business plan. You need to be able to show the lender why you want the property and how you plan on making it a successful investment. It is also important that you have at least a portion of the money needed for the property saved up so you can show that this is a serious venture and you are ready to make a personal investment in its success. Also helpful is a current appraisal of the property you are considering. This will help show the value of the property to the prospective lender. Having an attorney to help you and to check out legal issues will also be important, and in the end you should always compare several lending offers before making a final decision.

Getting Started
For those who are interested in commercial real estate and the financial benefits that can be enjoyed, there are many ways to get a start in the business. One of the keys to getting started is to glean all the information about the business that you can, whether from reading books, searching the internet, or speaking with friends and business colleagues that may have experience in commercial real estate investing. Checking into the area you live in and getting a look at what kind of commercial real estate is available and what the prices are running can help you begin to get a closer look at the costs and the availability of commercial real estate in your area. Attending zoning and city planning meetings may also give you insights and ideas for getting started as well. Lastly, one of the best things you can do is to start building a network of friends and business acquaintances that already have their foot in the door of the commercial market. Learning from their successes and mistakes can help you on your way to becoming a successful commercial real estate investor.

About the Author:

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.

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Commercial Real Estate-Traditional Lending vs. Private Funding

Traditional bank and institutional lending has become outdated in some respects and does not always meet the needs of potential commercial customers. Private investor funding has filled many of the gaps while making investing easier and profitable for all parties involved. Although private funding is not actually lending by definition it is still a highly viable alternative.

The typical traditional bank loans take 3 to 6 months to close. The obvious constraint is if your deal needs to close before 3 months or if the seller is anxious to close in a fast time frame. Private funding typically takes 30-90 days to close and the right mix of information, opportunity and ?right-time-right-place? has seen private deals close in a manner of days!

Most commercial lenders have very specific guidelines on documentation of the source of income or proof of asset ownership. Obtaining these documents from the current owner(s) is a big challenge if not impossible. Tax returns and additional personal information are sought but few are willing to open up their finances to just anyone. Private investors tend not to look at past performance of the property but seek a good analysis of what the future potential is. Be prepared with a sound business plan!
Many borrowers can?t qualify for traditional commercial loans if they have existing high business expenses. Again, existing financials need to be examined by the bank to determine if prior performance indicates worthiness for the loan. This time it?s your financials under the microscope. This type of information is useful in proving yourself to private investors but not required.

Special business properties such as mobile home parks, restaurant /bars, cash businesses, new development construction projects, nursing homes, assisted living centers, etc. may be outside of the traditional lenders interest. The reasons differ but are often related to the perceived risk or lack of knowledge about the type of investment. Again, private investors are more interested in your plan and its soundness rather than the category of property.

Relative short balloon payments on special purpose business loans are fairly common with traditional loans, some due in as little a 3 years. If your business plan does not specifically show how returns on the profitability of the property will support the balloon payment the loan is often denied. Private funding may also have balloon payments but you can always seek a different structure that fits your needs and plan rather than trying to plug your plan into an institutions way of doing things.

Assumability of the loan is not often offered with commercial loans. If your plan for the property includes later selling it for a profit you need to consider how potential buyers will finance the purchase from you. If you cannot transfer the loan to a qualified buyer you will be at the mercy of them obtaining a loan from an institution and meeting all of their requirements. This is time consuming and costly for the borrower creating a delay in you moving on. Conversely, private funding can often be structured so that you may transfer your existing agreement to another without any of the constraints.

Banks and lending institutions often monitor their investments by requiring ongoing financial reporting requirements. Although they are not a partner in your venture they behave like they are. Until you break free from the loan this monitoring relationship will continue. Private funding investors may also require periodic financial reports but as long as the agreed terms of the funding are being met they may have little interest.

Some institutional lenders still require the borrower to live in the same state as the property. In today?s realm the reasons for this requirement are lost. Legal issues may be a bit easier to deal with because of the requirement but not enough to limit the borrowers to properties in their own state.

There are many more differences between traditional loans and private funding. The differences usually favor the non-traditional private funding world. You may pay slight more for private funding overall but if you can?t qualify for a traditional loan, or the timing will not work you should not even consider cost when comparing the two options.

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MBS LUNCH: Bonds Soaring As 10yr Flirts With 2009 Ranges

Posted To: MBS Commentary

Even by the time of our last commentary, it was no mystery that we got our bond-friendly eventuality today after the jobs report. That's nice, of course, but somewhere between 3.55 and 3.57, chart watchers will notice that yields held under these levels for the majority of the 2nd half of 2009. It's probable that the short term chart below is picking some of that up in where it decided to offer resistance today. The question is: will Monday confirm this test? And of course we wouldn't talk about such important long term levels without refreshing our collective memory on their validity: In deciding how likely any sort of continuation of this bond rally might be, the stock market continues to suggest itself as a good indicator of bond movements. Sure, this can change from day to day…(read more)

Real Estate

Selling Commercial Real Estate By Maximizing Exposure

One of the hardest parts to selling commercial property is getting your property out on the market and seen by investors. Individuals and small business owners often find it hard to get the word out without spending enormous amounts of money. This article presents three ways to expose your property without shelling out lots of dough.

1) Put Up a Sign
Putting up a sign on your property is a good way to get local interest in your property. Many people are sometimes looking for property to move their businesses to but are not aware of the property around them and do not have the time to go looking. By placing a big visible sign on your property you can draw their attention and possibly get a lead. This technique is very effective if your property is located near a major road.

2) List Your Property Online For Free
There are many sites online that allow you to put your property online for free. One of the best free sites out there is CIMLS. This site allows you to list your property for free just by signing up for a free account. They have no restrictions on which listings can be searched as many of the other listing services have. Many times listing properties on these types of sites can get you exposure quickly without paying a dime. The sites also provide more marketing and advertising options for a little more money. Sometimes it is worth putting a little money into some ads if it means the difference between not having to pay a commission or not.

3) Put Your Property in Free Real Estate Publications
Many cities have free local publications that include real estate in the area. Contact all these types of publications and see if they allow you to add your property information for free. Since most are looking for free content to add to their publications they are usually willing to work with you.

If all else fails you may need to contact a broker and work with them to get your property sold. Many sites provide information on property brokers in different area. For example, CIMLS has a Find a Professional directory with lots of brokers throughout the United States.

Finally, don?t get discouraged! It can sometimes take quite a while to sell your property depending on the area. Continue to put your information out in publications and websites and keep on it.

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Real Estate India, Indian Commercial Real Estate Investors - Property Sales In India

Commercial real estate sector is in boom in India. After liberalization of the economy, Indian real estate business took an upturn in the last fifteen years. With the advent of multinational companies to India to set up base here, especially the IT sector ,the demand for land has risen up and with that the prices have also shot up. Research estimates that Indian Real Estate market is expected to grow from the current USD 14 billion to a USD 102 billion in the next 10 years. ..

The main growth thrust is coming due to favorable demographics, increasing purchasing power, existence of customer friendly banks & housing finance companies, professionalism in real estate and favorable reforms initiated by the government to attract global investors.

In India, the commercial real estate requirement is led by the leaders of the IT industry, this includes the BPO and ITES sectors.

It is estimated that the demand for space by the IT/ITES sector alone is expected to be 150 million sq.ft by 2010.

The demand for land in metro cities like Delhi, Mumbai and Chennai is huge and prices for the same have shot up to huge proportions. These cities are expanding in a huge manner to accommodate the ever demanding requirement for land. For example, Bangalore which is considered as the IT capital of India, is already short of land and is expanding to create something called as Greater Bangalore. This is to dedicate land to the IT and BT (Biotechnology) industries.

The increase in purchasing power has resulted in big retailing companies setting up base in India; as a result there is a mushrooming of retail centers across the country.

The industrial sector is experiencing a huge surge, resulting in increase demand for land. There is a shortage of land in bigger cities, which has resulted in companies setting up bases in smaller cities. These cities are also called as Two-Tier cities.

Indian real estate is experiencing an overall growth in all sectors like IT, BT, Industies, Healthcare etc,apart from this , in urban India, there is a shortage of space in the residential sector by approx 6.7 million housing units. The bigger cities are expanding to accommodate the growing population and as a result there is a huge demand for land.

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No waiver shall be binding unless executed va mortgage loan writing by the party marking the waiver. That is a mistake often made by first time homebuyers who are excited va mortgage loan into a house.

It may va mortgage loan an equity position in a property or a percentage participation in the income stream.

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1031 Exchange for Commercial Real Estate

A 1031 exchange is defined under section 1031 of the Internal Revenue Code. This code states that if an asset, usually some kind of real estate like land or building, is sold and the proceeds of the sale are reinvested in a similar kind of asset, then no gain or loss is recognized, permitting the deferment of capital gains taxes. A 1031 exchange is also called Like Kind exchange.

If an investor buys a commercial property and sells the property profitably after a period of time, he has to pay capital gains tax on that amount. But if the investor invests the amount in another commercial real estate, then he is not required to pay any tax, in which case, he defers his taxes till a later date.

To qualify for a 1031 exchange, both the relinquished property and the replacement property must be held for investment or for productive use in some business. You cannot exchange a personal residence. Once the investor decides to pursue a 1031 exchange, a Qualified Intermediary (QI) has to handle the proceedings. Then the commercial property is put on the market and the offer to buy the property is accepted. Escrow for the sale is opened and a preliminary title report is produced. The QI sends the necessary exchange documents to escrow closer for signing at property closing. Within the initial 45 days after the close of escrow on the sale of the handover property, the investor has to identify a replacement property as per law. Within 180 days after the close of escrow on the sale of the relinquished commercial property, the investor closes on replacement property that was identified by them, thus completing the exchange.

The most difficult part of 1031 exchange is the identifying of replacement property by the investor within a period of 45 days following the sale of the commercial property. The Internal Revenue Code is very strict and no extensions are allowed. It is best to carefully think about your replacement property alternatives before you chose to sell your property.

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