Learn To Be A Fix & Flip Investor: texas commercial loan

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Monday, November 6, 2017

Offices in Texas are Going Green and Texas Commercial Loans are Available for These Projects

More offices in Texas are going green than ever before, in part due to the Millennial generation. Because of their popularity, a variety of Texas commercial loans are available for these types of projects.

In 2018, San Antonio will be home to the Cavender Office Project, a 140,000 sq. ft. office development that is calling itself a sustainable and walkable urban project. It will include 125,000 sq. ft. of office space and 15,000 sq. ft. of retail space and is considered, in some ways, the first of its kind in Texas. Instead of using traditional steel and concrete material, they will be using timber to construct much of the building and create a walkable area between old and new buildings.

Creating sustainable office space has been on the rise. Much of this is due to the Millennials—the generation that is roughly defined as those that were born between 1977 and 1995—who have surpassed the baby boomers to become the largest population in the U.S. workforce. This generation typically looks for businesses that give back to their community and have a social conscious. They consider a balanced life first and foremost and appreciate companies that place health and fitness as an integral part of their employee’s amenities, including a healthy workplace. They are, ever so gently, changing the face of America’s office and corporate structure.

You could say that the “green scene” is taking over Texas as well, at least parts of Texas. St. Edward’s University in Austin is committed to maintaining a sustainable campus and to this end was built with eco-friendly construction material. Watters Creek, a mixed-use development in Allen, Texas incorporated a large creek-side village green and is LEED certified which means that is has incorporated sustainable practices in the building of the development including the use of eco-friendly construction materials and maintaining a good indoor-air quality through ventilation and use of low VOC materials.

When Swinerton Builders, a company in Austin, Texas, decided to relocate, it opted to create an office environment with the goal of achieving LEED Gold certification. In order to accomplish this, it was built with reclaimed oak, hemlock and pine and contains furniture with recycled content. All lighting is LED and all finish materials are low VOC. The large windows allow natural light to diffuse through them and the open space aesthetics provides the kind of work environment that promotes interaction. Because of their popularity, there are several possibilities when obtaining Texas commercial loans for these types of projects.

Obtaining LEED Certification

If you’re considering getting into the lucrative real estate development known as sustainable office buildings, getting your buildings LEED certified is a step in the right direction. There are five areas to consider when obtaining this certification: the use of sustainable, eco-friendly materials for construction, the use of energy efficient lighting and HVAC systems, indoor air quality and use of windows for diffuse lighting as well as water conservation mechanisms.

Financial benefits include tax incentives, availability of Texas commercial loans, and tenants that will pay extra for a “green” building.

If you’re looking for funding for your next sustainable project, consider Level 4 Funding. We are private investors that provide hard money asset-based loans to developers, businesses, contractors and home owners. Contact us for a no-obligation quote. We may just be the key to the Texas commercial loan that you require for your next office building. Many find that when banks have said “No” we are able to say “Yes.”

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC Private Hard Money Lender
Arizona Tel: (623) 582-4444
Texas Tel: (512) 516-1177
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701

About the Author: Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Sunday, October 1, 2017

Four Common Mistakes Among First-Time Texas Commercial Real Estate Investors

If you’re just delving into the lucrative investment strategy known as real estate, there is much to learn from those that have come before you. These, then, are the tried and true—the what not to do as you aim and take fire at your first Texas commercial real estate investment.

One of the most common errors first-time investors experience is what is known among the established set as “eyes bigger than their stomach.” Instead of starting small and getting their feet wet, many first time investors start with a major overhaul or a multifamily property instead of a simple rehab or rental. While real estate investing is about the numbers and the bottom line, it’s also about experience, which leads us to the other major faux pas among first-time Texas commercial real estate investors—not sticking with what they know. If you’re a contractor, you’ve got a great head start among those investors or fix-and-flippers whose experience has been derived from watching HGTV. But even you, my friend, who understands timetables and costs, can get in over your head. Team up with other experts such as a real estate agent who knows the markets or a mentor who can lead you down the path of profitable CRE.

Mistake number three is all about the money and not having enough capital reserves when the unexpected arises—and nine times out of ten, you will get a surprise. From water damage and rotting wood to bad wiring, keeping some funds set aside for these occurrences will keep you from having to search for funds mid-stream, never a good scenario.

Surprises are less likely to occur when you have a good team in place which leads to mistake number four—trying to do it all yourself. If you’re not a real estate agent, consider getting one on your team that knows the market and can suggest what upgrades are worth the price and which ones will price the home out of the market. If you’re not a contractor, find one that has your back, that is excellent at what they do and knows how to bid with precision, and that you can trust explicitly.

Location – Location – Location

The small business mantra—location, location, location—applies to Texas commercial real estate investments as well. It’s important that you understand the market—is it a growing community with a good job market? How is the school district? Is your target tenant or buyer a family, college student, or professional? This needs to be decided before you start your renovation because it will determine, to a large degree, the design.

Consider a private hard money lender for your first Texas commercial real estate project.

At Level 4 Funding, we provide hard money asset-based loans. These types of loans are quick to funding and do not require the stringent credit scores that traditional lenders are bound by. We offer competitive interest rates and terms as long as 60 months. We can also set you up with your next bridge or construction loan and have worked with many a developer to supply all of their funding needs for multiple projects.

About the Author: Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Financing with Texas Commercial Mortgage-Backed Securities

Texas commercial mortgage-backed securities are a choice of funding for real estate developers. Here are the facts concerning this type of commercial real estate loan.

Texas commercial mortgage-backed securities (CMBS) are fixed rate bonds that represent an investment in a portfolio of varying property types and sizes, and that are backed by commercial real estate mortgages. Generally, the loan-to-value is 60 to 70 percent with a 10-year loan term, interest-only payments, and a balloon payment at the time of maturity. When they came on the market in the 1990s, they proved very useful to commercial real estate developers due to the improved loan availability and rates.

As of May 26, 2017, $27 billion in commercial mortgage-backed securities have been issued—down 6.6 percent from the previous year. The reduction is due, in part, to the risk-retention regulations that require the issuer to hold 5 percent of the securities. These regulations favor bigger banks, leaving many of the smaller lenders to observe from the sidelines. Another factor is based on the cyclical nature of things and the growing concern that the market has reached the summit and is heading for a decline.

In 2016, banks made up most of the capital providers—a little over 50 percent of investors. Fannie Mac and Freddie May came in at 18 percent of debt investors while life insurance companies made up 11 percent of the group. The remaining were securitized debt holders such as CMBS. What’s interesting to note is the dramatic drop in CMBS lending, peaking at $229 billion in 2007 and dropping off to $76 billion in 2016. This drop off has been blamed on rising fears of saturation as well as the mounds of loans that were issued in 2005 to 2007 and that are now maturing. The numbers, however, suggest that there is little cause for concern as the $65.6 billion in debt that reached maturity during the first six months of 2017 only showed a 6.4 percent delinquent rate

Obtaining your next Texas Commercial Mortgage

Texas Commercial mortgage-backed securities can be a good choice for longer-term acquisitions; however, the prepayment penalties often associated with these types of loans can serve as a deterrent. In addition, the new requirements have meant that obtaining these types of loans can be more difficult and time to funding longer as underwriting has tightened its belt. Loans are also based on LTP or loan-to-purchase as compared to LTV or loan-to-value which may require additional equity. Modification and additional fees such as insurance review fees can add up. These types of loans have certainly served their purpose and helped many a developer obtain the needed capital. Just be sure to add in all the varying factors when laying out a budget and consider alternative options.

Consider obtaining capital from a private hard money lender.

At Level 4 Funding we work with hundreds of private investors, one who might just be interested in your next project. Our private hard money loans provide quick access to capital, terms up to 60 months and competitive rates. Call us for a complimentary quote.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Obtain your Texas Commercial Mortgage and be prepared for Amazon’s Newest Headquarters

Several cities are vying for the right to be known as home to Amazon’s second and newest headquarters. Be prepared and look into a Texas commercial mortgage in order to jump on the bandwagon and take advantage of the 50,000 employees expected to emerge upon this fortunate town.

Did we say Texas? That may be a little premature, though there are several cities from the Lone Star State jockeying in place in hopes to be the new home for Amazon’s second headquarters. This massive mammoth known as Amazon requires space—some 8 million square feet of it—and employees—some 50,000. That’s a lot of people and a lot of land and, though many cities look to the revenue and job growth Amazon would provide, not all can compete with the type of space they require or that type of labor force—one that often requires a highly technical education. The other element a city must provide is tax incentives, a reasonable cost of living, and easy access to an international airport. According to Amazon’s press release, they are looking for metro areas with at least one million people and ones that think big and creatively in regards to real estate options and also offer a high quality of life. So, just where might this mega-company be headed?

Texas is known as the state where everything is bigger, so Amazon would certainly fit in with this type of culture. Many with their crystal balls in place see Austin as a strong contender. After all, Amazon just bought Whole Foods which is based out of Austin and it definitely has a growing economy and tech-oriented labor pool. Just as important, it has no income tax. Texas commercial mortgages and funding for these types of projects are just another day in the land of Legacy West Developments—the $3 billion development that could rival any western town.

Stepping out of Texas, Denver made the list due to its high quality of life that offers plenty of outdoor recreation along with a strong and growing high-tech workforce. Google and Twitter both have offices in the mile-high city. It’s also still affordable compared with other cities of similar size. And then, of course, there’s Chicago where a developer has already found a site for Amazon—a former steel plant. The developer is Sterling Bay and the plant is a former A. Finkl & Sons. This mixed-use development could take a decade to develop and cost in upwards of $10 billion. Will Amazon consider a city, however, where the taxes are some of the highest in the nation? The 100-plus acres will, if Amazon buys in, be home to a new train station, office and residential towers, restaurants, a brewery and a water taxi stop. With enough tax incentives and hand shaking, Chicago just might be in the running.

Developers are Strategizing

Walk into a boardroom filled with developers and investors and you’ll find their interactive whiteboard filled with arrows pointing to the “wants” of Amazon and the cities that offer these solutions. No, they may not be the developer that transforms 8-million-plus square feet into Amazon City. They do, however, want to be positioned to take advantage of the burgeoning population and high-paid employees by offering apartment units or entertainment venues in the surrounding area.

Once you’ve determined your next market for development, consider a private hard money lender for your Texas commercial mortgage.

At Level 4 Funding we offer nationwide and Texas commercial mortgages from private hard money lenders. These loans are quick to fund and are available up to $50,000,000 with terms that range from 3 to 60 months. Call us for a no-obligation quote.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Tips on Getting Commercial Loans Texas

Getting commercial loans Texas is not as simple as many business owners might think. There are many tips out there but the best all center on being prepared.

Commercial loans Texas are a necessary evil just as any debt is. Due to the overwhelming cost of a commercial property, it is unlikely that just about any business could afford to purchase property without some type of loan. It is a big step to take and one that you should carefully prepare for to ensure that you have the most success possible.

The biggest factor in your approval for commercial loans Texas is your creditworthiness. The lender is going to ask for many different documents to evaluate the financial health of your company and possibly even the personal financial condition of the owners. You will need to prepare a copy of your business plan, financial records including tax forms, bank statements and P & L statements as well as cash flow documentation. It is also important that all of the information be as current as possible. Having this packet of information prepared lets the lenders know that you have invested time and effort into the process and that you are serious about purchasing property.

You also need to be prepared from a financial standpoint. You will need to be in a position to pay certain fees associated with the loan and the down payment for the property. In most cases, a lender will only finance about 75% of the cost of the property so having that remaining balance available in cash is critical. You will also need to pay some fees such as a loan application fee, a loan processing fee or appraisal fees. You might also want to investigate getting your own independent appraisal done to have an unbiased estimate on the property value. Also be prepared to pay for environmental reports on the property. Most lenders now require these reports to ensure that the property is not contaminated.

Manage Your Time

A great deal on a commercial property usually means that the property will sell quickly. For that reason you will want to be sure to begin your application for commercial loans Texas as quickly as possible. It is well known that commercial lenders will greatly overestimate the speed at which they can process your application. They will quote you 45 days but in most cases it will drag out to over three months. Don’t let a great property get away while you are still completing application documents.

More Knowledge is Always Good

Understanding the process for applying and getting approved for a loan is critical to your success. Having a plan in place to meet the criteria and requests of the lender will make the process less stressful and can even decrease the time it takes to get approved. As with most things in the business world, you will get as much back as you invest in a project. So the time it takes to prepare documents, complete research and make a professional presentation is a good investment in your company’s future.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

What Lenders Look for When Granting Commercial Loans Texas

It can be very challenging to secure commercial loans Texas. But knowing what lenders are looking for can help you to provide the best application possible.

When you are applying for commercial loans Texas, you will find that there are many documents that are being requested and many forms that you will need to complete. But all of that general information is only the beginning. Lenders each have their own set of criteria that they uses to make their final decision about writing commercial loans Texas or declining an applicant. Understanding this criteria can help you to craft a more effective application.

One important factor that lenders are looking for is that you and the business have the needed assets and financial reserves to survive any temporary downturn in your business. This can mean making it through a slow season or even through a period when clients are not paying bills on time. But what a lender needs to see is that you have the means to keep your business operating when there is a lull in your cash flow that is beyond your control. If the business has very limited assets then the lender will want to know that the owners are in a position to personally fund the company to bridge the short term issue.

Your ability to repay commercial loans Texas is what the lender is really trying to determine. They are accessing the risk that you represent and how confident that they are that you can make the payments on a regular and long term basis. This means that your cash flow needs to be strong and consistent. Demonstrating that you will easily be able to make your loan payments is critical to getting approved.

Proven Track Record

If your business is new and has no cash flow history or proven track record in the industry then you will need to demonstrate your personal ability. This is best achieved by showing your successes in the industry and in a management position at another company. Showing that you have experience managing and running a successful business will build confidence in your ability to launch and maintain a new company of your own.

Overall Credit Worthiness

All lenders have an image of the perfect client, but that might not exist in the real world. So lenders begin to compromise when they feel that a potential borrower is a solid individual. Showing that you have personally maintained good credit, that you have the means to offer financial support to the business if it is needed and that you understand the industry trends are all critical. This lets the lender know that you are prepared for changes in cash flow and that you have a plan in place to make it through those difficult times. It also shows that you are diligent in protecting your personal financial future and that will carry over to your business finances as well. Taking the time to understand what the lender is looking for from a borrower will help you to supply all of the needed information and will offer you a better chance at getting the loan that you have requested.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Saturday, September 30, 2017

What You Need to Know about Repayment Terms of Commercial Loans Texas

There are many details and “fine print” to understand how to pay back your commercial loans in Texas. Here we break down what you need to make sure you can repay your lender.

First, it’s important to have realistic expectations about obtaining and repaying a loan. Terms are much different than they are with say a home mortgage, so it’s important not to compare the two — they are totally unique to one another. Residential loans can often have a repayment schedule of up to 30 years, while commercial loans Texas are broken down into tow major categories depending on the length of the repayment terms and schedule.

An intermediate term loan is a shorter-term loan that is three years or less. These loans can be more difficult to repay a large loan amount because the repayment requirements and interest may be quite high. Longer-term loans vary from between five and 20 years. Repayment loans are also amortized loans, meaning the loan will need to be repaid in fixed installments until the entire loan has been repaid. This is similar to what homeowners pay for their home mortgage – making a payment monthly at a “fixed” amount, including principle and interest.

However, amortization of commercial loans Texas are rare, and typically you are required to pay a balloon payment at the end of the terms. This means you will be required to pay the remaining portion of the loan in one large lump sum. This can prove difficult for many small or start up businesses. During the loan repayment, interest is paid, but not principle, so at the end the business owner is responsible for nearly the entire principle amount. The alternative to paying all at once is refinancing the amount of the balloon payment into a new loan

It’s important to know that you are responsible for prepayment terms, too, and can actually be penalized for early payment.

While you may be tempted to “prepay” your loan amount and save on interest, you may be in for a surprise. Unlike a home mortgage, commercial loans Texas often include clauses to the contract that outline a prepayment penalty fee, calculated by multiplying the present outstanding balance by a prepayment penalty amount stated in the contract. This protects the lender or bank from any loss that might be associated with early payoff. An interest guarantee also protects the lender – stating that they are entitled to receive a specific amount of interest when the loan is paid off prior to the terms of the agreement. This is sometimes refereed to as a “lock out,” meaning the business owner has to wait until this time has passed (five year, for example) to them pay off the full loan amount without penalty.

Before signing your loan agreement, make sure you understand what is required of you

Once you sign the documents, you are responsible for the repayment terms stated in the commercial loans Texas agreement, so it’s important that you go through all the paperwork with a fine-tooth comb and seek legal counsel to review it as well. Understanding exactly what is required of you will make it easier to budget and plan for your repayment schedule.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Sunday, September 24, 2017

Using A Texas Commercial Mortgage To Generate Income: What Are The Advantages?

Generating a revenue stream from a commercial property is a great way to develop a passive income portfolio. However, it is not always easy to get started. So why should you use a Texas Commercial Mortgage to help you reach your real estate dreams?

Commercial real estate properties consist of two different types of income-generating property. The first is an office or retail space, where a business owner pays the landlord to rent space in order to do business. It is common for the land lord to have an office in their own building and property. The second method of generating income through real estate is by owning a multi-family housing unit, which is a general term for an apartment building or similar piece of property.

Getting started in this industry might not be easy, as the application process to obtain a Texas Commercial Mortgage is often long, time consuming and stressful, but the benefits can far out weight the hurdles. Here are a handful of reason why you could pursue a loan to help you acquire property.

The interest rates are comparatively low – Because a loan to purchase property is secured by the property itself (if the loan defaults, the bank becomes the owner of the property), this often times means that interest rates will be lower than with other types of lending. Banks do not need to charge as much because their risk is greatly reduced by having a physical asset as collateral.

Rental Income – Whether it be office space or residential living areas, you can supplement your Texas Commercial Mortgage payments by renting space out to tenants. Not only could this income quickly exceed your monthly payment, but as you build equity in your property, it can be an excellent source of income on a regular basis.

Capital Gains – One of the greatest kept secrets of the real estate industry is capital gains. After you get your feet under you in the real estate market and start buying and selling properties, you will discover the beauty of capital gains. Essentially, the way the tax laws are set up, if you make a profit on a real estate sale, you may immediately roll that profit into another property and not pay a single penny in tax on that income. By doing this, you can grow your real estate empire, with the help of loans, without being penalized in taxes. It simply doesn’t get any better than that.

Is there any way out of a Texas Commercial Mortgage?

While it might not be easy, there are plenty of ways that a borrower can bring a Texas Commercial Mortgage to an end. If you decide to sell the property, you can immediately use the profits to pay off the mortgage and use the rest as capital gains. But even if you go out of business, there are actually options provided by lenders for just such an occasion. Again, it isn’t easy, but it is most definitely possible. Just make sure that you fully understand the terms and rates of your loan so that you do not get stuck in a situation that makes it difficult to move on.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

What Factors Determine My Texas Commercial Real Estate Loans Rate?

Coming up with an interest rate for your Texas Commercial Real Estate Loans is not just as simple as going with the current market rate. There are a number of factors that go into determining the rates for individual borrowers.
When it comes to Texas Commercial Real Estate Loans, the more you know about how the actual numbers are arrived at, the better off you will be, not just in understanding where you stand, but also as a potential point for negotiation with lenders. There are four main areas that will affect the rate of your loan.
Credit Risk of the Borrower-A lot of this comes down to the individual’s credit score and the transaction history of the business. To put it simply, if the borrower has a credit score that is very good, they will be receiving a much better rate from lenders. Banks see a high credit score as an indicator of financial responsibility and rates will be lowered because the bank does not have to worry as much about being paid back. With lower credit scores, rates will undoubtedly go up, as the bank is going to want to make sure that they are getting the most out of their loan at the beginning of the process rather than over the course of the loan. In fact, if a borrower’s credit score is too low, it might not even be possible for them to receive a Texas Commercial Real Estate Loans.
Amount and Length of the Loan-This is a tricky factor to nail down, as it depends on the type of lender that is offering the loan. It also has a tendency to go hand in hand with the credit risk presented by the borrower. As a general rule, the higher the credit risk, the higher the interest rate and the shorter the length of the loan. This is especially true with hard money lenders, who offer very short-term loans with higher interest rates for borrowers who have a low credit score. Traditional lenders often work opposite of this, with shorter loans receiving lower rates, while longer loans that require longer terms might have a higher rate.
Market Rates-There is no getting around it. The strength of the economy also impacts the interest rate that a borrower will pay on a Texas Commercial Real Estate Loans. As a general rule, if the economy is strong, the interest rates are going to be low in order to entice borrowers to take out loans and expand their businesses. If you are seeking a loan during an economic upswing, you will likely get a very good rate, but always try to get it locked in, just in case the economy takes a turn for the worse.
Type of Loan-The type of loan that is being acquired will also play a part in the interest rate that is applied to it. Hard Money loans are going to have much steeper rates than traditional or SBA loans. This goes back to the credit risk that is presented by the borrower. Another determining factor in the type of loan is how long the business has been in existence.
So why are Texas Commercial Real Estate Loans interest rates typically lower than other loans?
When a lender is able to have security on a loan in the form of real estate, it ensures them that they will at least get value out of the loan if the borrower is not able to pay. As such, they will lower interest rates because they are less worried about claiming their profit on the front end of the deal. They will allow it to be spread out over a longer term. Texas Commercial Real Estate Loans are a relatively safe loan for lenders because of this security.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Featured Post

Monday, November 6, 2017

More offices in Texas are going green than ever before, in part due to the Millennial generation. Because of their popularity, a variety of Texas commercial loans are available for these types of projects.

Obtaining LEED Certification

Financial benefits include tax incentives, availability of Texas commercial loans, and tenants that will pay extra for a “green” building.

Sunday, October 1, 2017

If you’re just delving into the lucrative investment strategy known as real estate, there is much to learn from those that have come before you. These, then, are the tried and true—the what not to do as you aim and take fire at your first Texas commercial real estate investment.

Location – Location – Location

Consider a private hard money lender for your first Texas commercial real estate project.

Texas commercial mortgage-backed securities are a choice of funding for real estate developers. Here are the facts concerning this type of commercial real estate loan.

Obtaining your next Texas Commercial Mortgage

Consider obtaining capital from a private hard money lender.

Several cities are vying for the right to be known as home to Amazon’s second and newest headquarters. Be prepared and look into a Texas commercial mortgage in order to jump on the bandwagon and take advantage of the 50,000 employees expected to emerge upon this fortunate town.

Developers are Strategizing

Once you’ve determined your next market for development, consider a private hard money lender for your Texas commercial mortgage.

Getting commercial loans Texas is not as simple as many business owners might think. There are many tips out there but the best all center on being prepared.

Manage Your Time

More Knowledge is Always Good

It can be very challenging to secure commercial loans Texas. But knowing what lenders are looking for can help you to provide the best application possible.

Proven Track Record

Overall Credit Worthiness

Saturday, September 30, 2017

There are many details and “fine print” to understand how to pay back your commercial loans in Texas. Here we break down what you need to make sure you can repay your lender.

It’s important to know that you are responsible for prepayment terms, too, and can actually be penalized for early payment.

Before signing your loan agreement, make sure you understand what is required of you

Sunday, September 24, 2017

Generating a revenue stream from a commercial property is a great way to develop a passive income portfolio. However, it is not always easy to get started. So why should you use a Texas Commercial Mortgage to help you reach your real estate dreams?

Is there any way out of a Texas Commercial Mortgage?

Coming up with an interest rate for your Texas Commercial Real Estate Loans is not just as simple as going with the current market rate. There are a number of factors that go into determining the rates for individual borrowers.

So why are Texas Commercial Real Estate Loans interest rates typically lower than other loans?