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Chris Poff
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http://www.floridahomesstore.info
407-908-8023 Call Me!
Chris Poff
POFF REAL ESTATE
Skype me : christopherpoff

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For Real Estate - Commercial Real Estate Loan

Buying a real estate for commercial purpose is always a trouble as it require huge amount of investment. A real estate can be defined as a combination of property in form of land with any other property on it such as buildings, complex etc and is highly profitable for your business ideas. Commercial real estate loan can be your financial partner for such investments in real estate deals at the right time. Commercial real estate loans are available for all types of income producing commercial properties including:

*Office buildings and shopping centers

*Owner occupied buildings

*Motels and apartments

*Automobile dealerships

*Health care facilities

*Manufacturing facilities

*Miscellaneous

Commercial real estate loans are secured by the real estate itself and offers you huge amount ranging between ₤100000 to ₤300000 and can further extend if required. As the amounts are bigger, the repayment period also has to be longer…yes, the repayment term lies between 10 to 30 years. You can choose a repayment term while keeping your repayment capacity in mind. The borrower is required to place the title of the real estate to the lender at the time of loan agreement, while the possession remains with the borrower. The lender can only take the possession if any default is made in repayments for the commercial real estate loan.

There are certain points which you should consider while applying for a commercial real estate loan:

*A Definite plan - A plan for the use of loan money will convince the lender in a much better manner. Lender will also like to know the expected period in which you anticipate completion of planned project.

*Cash ready to put into the project - Lenders will also look that you have sufficient ready cash to be put in the project to cover a percentage of the project.

*Reviewing balance sheet - Review your balance sheet and analyze your cash flow and liabilities before applying for a commercial real estate loans. This will ensure that you have sufficient money for running your commercial property simultaneously paying off the loan.

*Negotiate the best deal - You can take the help of a competent real estate attorney who can help you negotiate and get the best deal while reviewing commercial real estate loan offer.

*Documentation required: It is recommended to arrange all the documentation which a lender can expect. Also you should be prepared to convince the lender that your idea of commercial real estate project will yield enough finances to repay the loan.

*Researching your options - make sure to go through all the option available before finalizing any commercial estate loan deal. You can take the help of online websites to search among numerous free loan quotes available on these sites.

In conclusion, we can say that considering all these points will ease your task of getting a commercial real estate loan and shorten the gap between you and your success ideas with your own real estate.

About the Author

Tim Kelly is an expert in finance having completed his LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University.He is currently working with Commercial Secured Loan as a financial advisor.To Find commercial real estate loan,commercial real estate loan rate,commercial real estate loan major,commercial small real estate loan Visit http://www.commercialrealestateloan.co.uk

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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.

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Texas Real Estate

Commercial Real Estate Loans For Your Dream Property

Do you need money to buy real estate for commercial purpose? If yes, then just avail commercial real estate loan. Commercial real estate loan assists you to overcome financial hurdles. They allow you to procure large sum of money, which can be used to buy your desired real estate.

Majority of the banks, financial institutions and building societies provide commercial real estate loan. They are secured against the real estate (which is to be purchased). The borrower also has an option to avail commercial real estate loan from an online lender. It has been proved that online lenders can be a better option for the borrowers as it is fast and they can compare numerous commercial real estate loans quotes.

Commercial real estate loans carry competitive rate of interest. The lender determines the rate of interest on the basis of the repaying ability of the borrower. It is seen that more the lender gets satisfied with the repaying ability; better are the rates being offered by him. The lender offers two type of interest rate that is fixed rate of interest and floating rate of interest. And, the borrower can choose any of the type as per his ability and requirements.

Commercial real estate loans are also available to bad credit scorers. So, by means of making timely repayments, the borrower can improve his credit scores.

While availing commercial real estate loans, the borrower is needed to consider following points which are as follows:

? Thorough research must be conducted.

? The lender must be reputed and authorized.

? Repaying ability must be considered before borrowing funds.

? Terms and conditions must be thoroughly reviewed.

? Small prints of the loan deal must be taken into account.

? The borrower must try to make timely repayments of loan.

? One should be aware of the economic condition to get the right value of their equity on real estate.

In order to wrap up, it would be right to say that commercial real estate loans simplify the task of arranging large sum of money for your real estate.

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88 A secured creditor has a priority over unsecured second mortgages to the proceeds of the sale of the property covered by the mortgage, while among secured creditors, priorities are determined by first in time, first in right 89 and in the order the interests are recorded as required in New York. The overall cost for comparison for secured loans is 15.7 APR.The actual rate available to you will depend on your circumstances. DTI is one of the 3 most important second mortgages considered when underwriting a loan for approval. Dont get thrown off by the little eccentricities of second mortgages.

They received unsolicited phone calls from the same man.

Like all rules of thumb, thats sometimes accurate and often second mortgages.

Margin When you second mortgages your loan, you agree to pay a rate that is a certain percentage higher than the adjustment index.

Another type of loan may be second mortgages less costly solution to meet your financial needs. Structuring your mortgage properly can save you thousands or even tens of thousands of dollars over the second mortgages of the mortgage.

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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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Rebuilding commercial real estate in Rajarhat

WITH well-recognized commercial destinations including Park Street, Chowringhee Road and Camac Street, its time for the IT/ITes business sector to add to the growth of the City of Joy, Kolkata.

The realestate sector is going to be set up at Sector V and Rajarhat, while corporate office demand is more subdued in and around Park Street. However, the Park Street is not likely to loose its relevance but will accomplish signs of a prospective change.

Even rental values have appreciated rapidly due to large-scale commercial developments with Rs. 43 in Salt Lake and Rs. 45 in Dalhousie Square, which was once known as the bustling epicenter of English colonial and trade. However, the most surprising rise has come in the rentals of Park Street, where the values are believed to be 63% above last year.

With SEZs, IT Parks, hotels, retail malls and commercial complexes, Rajarhat has everything you would expect of a much larger place. At every step you take, you will feel the tremendous influence this location exerts. Undoubtedly, this well balanced approach adds to the possibility of commercial office demand shifting along with giving a boost to residential property requirements. Park Street remains the most happening place in the whole of Kolkata where substantial contrasts emerge. Perhaps, this is what going to help this place and its adjacent locations to come out as retail high street locations.

The government will also provide funding for the development of Rajarhat and is all set to invest in infrastructure and its accessibility. The prospects for a complete makeover of the city seem to be brightened. The fast flourishing city will soon have better road connectivity through the proposed outer ring road starting from Barasat Bypass in the north to National Highway 117 at Shirakol in the south.

As these changes take place, the banking and insurance sectors will continue to drive demand in the CBD. Drop in new stock as well as low vacancy rates will bring about a rise in rental and capital values.

About author

By Suraj Kumar Singh is an associated editor to the website http://www.indianground.com India Properties .Indian Ground is dedicated to explain all your related queries for buying residential properties with the latest news updates on commercial properties in Kolkata. Your feedback will be highly appreciated at “kumarsingh.suraj@gmail.com?.

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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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Puerto Vallarta Commercial Property is Key to Puerto Vallarta Real Estate Boom

When you think of Puerto Vallarta real estate, you may think of the lovely homes and well-appointed vacation villas that have been housing residents and visitors for years. While these Puerto Vallarta vacation homes are an important part of the real estate scene, Puerto Vallarta commercial property is also an essential part of this beautiful destination.

From the shops that hold treasures for every visitor to the fine restaurants that offer some of Puerto Vallarta?s most delicious food, Puerto Vallarta real estate can be a solid investment for anyone who is serious about investing in the real estate market. When you make an investment in the Puerto Vallarta commercial property market, you?re making an investment that is likely to grow with time as the beaches and cultural attractions of this beautiful destination become more popular. While nothing is ever guaranteed in the Puerto Vallarta real estate market, purchasing commercial property in Puerto Vallarta may help you to grow your portfolio so that you are able to see a nice return on your initial investment. If you want to purchase an investment property in the Puerto Vallarta commercial property market, there are several things for you to consider before you make your investment decision.

One of the first things to consider is what you will be using the property for once it is purchased. Will you be using half of the property as a store and renting the other half? Do you want to rent out each area of the property to tenants so you can collect rental income? Knowing what you want to do with your Puerto Vallarta real estate investment will help you when you?re ready to look at properties and make a buying decision. You?ll also need to consider the size of the property you want to invest in before you can look at the number of commercial properties available. This means deciding what purpose the property will serve and then choosing a property size that will help you accomplish those goals. Once you have outlined your basic requirements, you can view many properties until you find the one that will best meet your needs. Remember to check each property carefully for structural soundness and review all of the points on your list of requirements. If you find several properties that don?t have what you need, this will help narrow your list so it is more manageable. Once you find the best property for you, all you need to do is complete the paperwork and any other requirements and you?ll be well on your way to becoming a Puerto Vallarta commercial property investor.

Playa del Rey Real Estate

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Commercial Real Estate - Hard, Hard, Hard Money Loans

Financing for commercial real estate is a completely different game when compared to residential mortgage loans. It moves much faster and is much more flexible.

Commercial Real Estate - Hard, Hard, Hard Money Loans

When purchasing commercial real estate, financing is the most significant factor in determining whether the project is worth pursuing. Although there are a variety of commercial real estate loans on the market, we are going to look at hard money loans in this article.

Hard money loans for commercial real estate are often a matter of last resort. They aren’t good deals, but they can save a financing situation that has gone critical. Most hard money loans come with significant upfront costs and astronomical interest rates. When you are facing the prospect of losing a commercial property, however, they can be a godsend because they also are granted very quickly.

Hard money loans are considered very risky and are issued by private financing groups, not banks or lenders. The loans tend to be only available as the primary loan on the property, which isn’t that rare a situation in commercial property.

Unlike home loans, hard money loans are all about the potential sales price of a piece of commercial real estate. The party considering lending you money is not going to look at the appraised value of the property. They are going to look at the probably sales price if the commercial real estate has to be sold a few months after making the loan. Depending on the condition of the property, this figure will typically be between 50 and 75 percent of the appraised valued of the commercial property.

Put another way, a hard money loan is a short-term loan designed to get you past an immediate problem. It is undeniably a loan of last resort and is not an ultimate solution to a financing problem with a commercial property. It does nothing other than buy you time, and at a fairly hefty cost. If you are in a tight spot and can resolve the problem with a few extra months time, a hard money loan may be the answer.

About the Author

Dan Lewis is with Great Western Mortgage - San Diego Mortgage Brokers - providing San Diego home loans. Great Western Mortgage is a San Diego mortgage company writing San Diego mortgages and San Diego refinance and home equity loan.

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Advice for Missoula MT Home Sellers Advice for Missoula MT Home Sellers When you compare foreclosed properties with pre foreclosed properties, youll find that there is less competition involved with pre foreclosures. Everything Missoula Everything about Missoula …

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Commercial Real Estate Loans - 12 Problems to Avoid

This article describes 12 recurring problems with commercial real estate loans that commercial borrowers and their advisors need to anticipate before it is too late. The following problems are common in traditional bank commercial real estate loans and should be avoided if feasible (special circumstances will periodically make some of these terms unavoidable).

COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 1:
Tax Returns versus Stated Income

Most traditional banks will require several years of tax returns in order to qualify for a commercial real estate loan. The alternative is to use a Stated Income lender that does not verify personal income or assets. Many borrowers will simply not qualify for a commercial mortgage loan if tax returns are used due to high business expenses (and low net income). Many lenders using tax returns will also continue to verify income after the loan closes. Stated Income lenders will not engage in this practice.

COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 2:
Special Purpose Properties

It is becoming increasingly difficult to get commercial loans for special purpose properties. Properties that do not fall in the categories of apartments or retail/office buildings are often placed in this special purpose classification. This means that business acquisition loans for commercial properties such as restaurants/bars and auto service businesses are frequently hard to find. Commercial financing will be even more difficult to locate for such specialized properties as churches, funeral homes, nursing homes and assisted living facilities.

COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 3:
Recall/balloon features

These terms are used by many banks to effectively shorten most commercial real estate loans to 3-7 years.

COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 4:
Short-term loans (less than fifteen years)

15-40 year commercial property loans without recall/balloon features are available.

COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 5:
Up-front Commitment fees

Under most circumstances, commercial borrowers should not pay such a fee. Please note that processing/retainer fees are not included in this discussion of commitment fees. Processing/retainer fees should be viewed as an acceptable and standard business practice when dealing with commercial real estate loans.

COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 6:
Business Plans

Under most circumstances, commercial borrowers should not use a lender that requires a business plan.

COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 7:
Cross-collateralization

Commercial borrowers should not be required to use their personal assets as collateral for a commercial property loan.

COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 8:
Sourcing and seasoning assets. Seasoning of ownership.

This particular problem will not be relevant to all business borrowers. However, if it is relevant, you should seek out a lender without sourcing and seasoning requirements or limitations. Most banks have strict guidelines for sourcing and seasoning of assets or ownership to qualify for commercial real estate loans. For a purchase, commercial lenders will frequently want documentation about where the down payment is coming from (sourcing). Commercial lenders will also frequently have very specific requirements stipulating that the funds must have been in a specific account for a specific period of time, often 3-6 months or longer (seasoning). Seasoning of ownership is similar to seasoning of funds, except this requirement involves the minimum time someone has owned a commercial property before they can refinance the property.

COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 9:
Requirement to sign IRS Form 4506

IRS Form 4506 authorizes the lender to obtain a borrower’s tax returns directly from the IRS. This form is routinely required by most traditional banks and many other commercial lenders for a business acquisition loan. Commercial borrowers using a Stated Income lender with limited documentation requirements will avoid this requirement.

COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 10:
Debt Service Coverage Ratio (DSCR) in excess of 1.2 for a business acquisition loan

The most flexible approach to DSCR for a commercial property loan will require a DSCR in the range of 1 to 1.2, with exceptions permitting a DSCR less than 1.

COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 11:
Minimum commercial property loan size that is too high for your commercial mortgage needs.

It is not unusual to encounter a minimum commercial real estate loan requirement of $500,000 to $1,000,000.

COMMERCIAL REAL ESTATE LOANS PROBLEM NUMBER 12:
Excessive length of the commercial real estate loan process

Many traditional banks require three to nine months to close a commercial mortgage. A more action-oriented commercial lender will close commercial real estate loans in 45 to 60 days.

Copyright 2005-2006 AEX Commercial Financing Group, LLC. All Rights Reserved.

Colorado Real Estate

Texas Real Estate

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Commercial Real Estate Newsletters

Commercial real estate newsletters are an excellent way to keep in touch with clients or people who share a similar interest. In today’s world of the Internet, commercial real estate business houses are converting their newsletters into electronic format, more popularly known as e-newsletters.

A commercial real estate newsletter can supply a huge mass of information to your readers, which is not available through the mainstream press. Before producing a commercial real estate newsletter, you have to decide on the format of the newsletter, how to write articles, matters related to printing and distribution and the like. There are many desktop publishing packages available that can assist you in developing or creating commercial real estate newsletters.

Firstly, you have to consider and answer the question, what is the purpose of the newsletter? A commercial real state newsletter cannot be made appealing to the readers without well-written content. Besides, the layout and appearance also contribute to the popularity of the newsletter.

Content writing, proof reading and editing are important steps because if the content is unreadable or grammatically incorrect, then it will be a major turn-off for your readers.

Commercial real estate newsletters provide information on topics including buying and selling of commercial space, commercial real estate mortgages, and credit. These newsletters could appeal to lenders, realtors, companies etc. Such newsletters generally contain quick-reading articles, which presents relevant information in a short, concise format that is appealing to customers with busy schedules.

Commercial real estate newsletters can also deal with topics related to issues that can affect your business, monthly listing of legislative advocacy on pertinent commercial issues, commercial real estate and investment headlines from newspapers or magazines, tips to build your commercial real estate business, etc. Current economic trends, local business news, recent commercial sales, vacancy statistics, new investment property listing highlights, or general business tips and information are all topics that could be included in commercial real estate newsletters.

Newsletters can be sent weekly, monthly or on a quarterly basis, but ensure that it is done regularly and consistently.

Texas Real Estate

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Commercial Real Estate Investment Strategies: Do-it-yourself Market Research Pays

One of the strategies commercial real estate investors like to employ is hiring consultants or market research companies to analyze a specific market a commercial real estate investor wants to pursue.

To a beginning investor, the overall strategy seems logical and well-intended. Who better to know a market than the analysts who spend there days and nights collecting, analyzing and reporting on such data?

I?ll tell you: YOU?the commercial real estate investor.

There is no substitute for doing your own research. There is no substitute for keeping your own counsel. There is no substitute for doing your own homework.

Why?

Because it?s YOUR MONEY that will ultimately be spent. It?s YOUR bank account that will ultimately reflect the success or failure of a commercial real estate endeavor.

Too many well meaning beginning real estate investors think they don?t have what it takes to do the homework required on a market. Too many well meaning investors yield their analysis people who supposedly know more about the subject than they do.

This is a costly strategic mistake.

I have nothing against market research people or consultants. I have no axe to grind with them. They are extremely competent, thorough people who provide a valuable service.

My issue is with HOW they are used by the commercial real estate investor.

The challenge is when an investor trusts their judgment–more than his or her own. Many times an investor will be in awe of their command of the information, specifically statistics.

The reason I say this is because I have seen many an real estate investor unwittingly fall victim to this process. It?s very easy to find yourself yielding to a ?professional?s? opinion based upon research which you have paid handsomely for.

Don?t. It is a mistake that will cost you later on.

Look at it this way: Let?s say you want to invest in the stock market and you use the services of a stock broker to recommend a buy.

Do you really believe that the stock broker?s goal is for you to make a wise and carefully thought out purchase? Do you really believe their recommendation has been thoroughly researched and analyzed? Forgetting the self-serving aspects of the commission he makes selling you a stock, would you really want to trust him with your investment portfolio?

My guess is probably not.

So what the proper way to use these market research professional? There three common ways which these professionals are valuable to the commercial real estate investor:

1. One is as a way to flush out new ideas and do homework and research ?heavy lifting? which need done that the investor doesn?t have time to accomplish on his or her own. The investor know exactly the information he is after.

2. The second strategy is as a way to confirm the findings which the investor already believes are accurate. In other words, the investor is looking for a second opinion before he commits more resources to the project.

3. The third strategy is very interesting: Some investor will use professional resources to poke holes in their strategy. To find the fatal flaw. To find ?the fly in the ointment?. The investor will never admit this to the professionals, yet he wants to know all the reasons the deal won?t work.

You?ll notice one thing in common with these three strategies: The investor will always do his own research. It?s a critical aspect of success?one that should never be delegated.

About the Author:

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

Sarasota FL Real Estate

Texas 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.

Texas Real Estate

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Commercial Real Estate Myths Dispelled: Myth #1: Commercial Real Estate Is Not For Ordinary People

People are naturally inclined not to trust what they don?t understand. The same is applicable to commercial real estate investing. It?s a natural phenomena when confronted with something new, different or seemingly over your head.

But when it comes to commercial real estate investing, that belief can cost you a small or large fortune.

For instance, when I first got started in real estate, one of the biggest challenges I had to get past was the idea that commercial real estate was too complex for me. That it was for the ?big boys?.

Even residential real estate agents suffer from this same mindset. They too believe that in order to break into commercial real estate they have to be promoted.

Nothing could be further from the truth.

For those with a determined mind to get involved in commercial real estate, the challenges are easily overcomeable.

But like all, myths the idea that commercial real estate investing is too complicated for mere mortals is grounded in a bit of fact. Commercial real estate does seem complex.

So let?s dispel this myth right now.

Would you file your own lawsuit?

How about fly your own jet?

What about do your surgery?

Or how about even filing your own tax return.

Would you do surgery on yourself?

I think you?ll agree these things are complex if you tried to do them on your own. But ordinary people get them done everyday.

So what?s the truth?

The truth is that the most successful investors, whether novice or experienced, use professionals and experts when some ?heavy lifting? is required. The details of tax, law and finance are better off left to them.

If there?s one area where you should spend you time and become an expert in is the market where you have your real estate. This is one area where you should spend your time.

Knowing your market, knowing the mindset and behavior patterns of your prospects will pay handsome rewards for your long term.

Leave the complex topics to the people who know how to deal with the complicated stuff. That?s the best strategy for success for the up and coming commercial real estate investor.

So as you can see, there?s no reason to be intimidated by commercial real estate. The benefits and advantages of investing in commercial real estate far outweigh the disadvantages or unforeseen complications you may occasionally come across. And even then, there are experts who can support you in your efforts. They are rather inexpensive when you look at it in this light.

The only time they get expensive is when you try to do it on your own and then unintentionally make a mess.

Put these professionals on retainer and use them. That?s what they are there for.

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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Texas Real Estate

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the melody of posted a photo:

february 17th, 2010.

Another bland one, but honestly… I love these slippers. I wear them so much, I keep having to re-tie the right one. I’m not very good at it.

How to Make it in Commercial Real Estate

Quite often, when people begin to invest in commercial real estate, they begin small. They may acquire a single family dwelling, a duplex or maybe even a small apartment building. In order to keep continue the commercial real estate investment game; you have to keep moving property. While buying and selling like kind property has the potential to bring you profitable gains and tax free exchanges under the IRS 1031 real property exchange tax laws, at some point you will want to expand. In fact, if you do not grow, you will eventually find that your bank can no longer help you either because you have maxed out your single family mortgages or your investment portfolio has extended beyond their lending parameters. Congratulations, you have just outgrown your residential lending company. It is now time to move on over to the commercial property side of your bank.

Strategies and Practices

Sun Tzu, author of “The Art of War,” said, By taking into account the unfavorable factors, he may avoid possible disasters.” When considering commercial investment, you must consider anything that could possibly go wrong. This simple proactive measure can save you considerable amounts of money in the long run. Ethical standards and sound business practices should be upheld not only to prevent legal action being brought against you and your company, but to increase your legitimacy in the industry and community. When you engage in adhering to ethical standards on all counts, you will be respected and you will be trusted. This reputation can prove invaluable when you decide to purchase more property, particularly in an area where you have already firmly established yourself as an ethical business person.

You should also have a “do what you say and say what you mean” mentality. In other words, don’t say things that you don’t mean and if you say something, mean it. Follow though on your promises and commitments. Establish yourself as reliable, dependable and trustworthy. While this is crucial in any business practice, it is exceptionally vital in the real estate investment business because a large part of your business, sales and acquisitions, relies on networking. Your standing in your industry and your business can go a long way in facilitating your investment practices - and your success.

Sales Strategies

Your sales strategies are crucial to the success of your investments. You should know your market inside and out, watch the rises and falls of values and take note of what drives a property’s value up and what can drag it down. You should also be extremely knowledgeable in the area in which you are investing. In other words, know the ins and outs of commercial real estate investing. If you invest in apartment buildings, know everything there is to know about the properties, how to improve them, maintain them and move them.

Additionally, you should take time to know the community where you are investing in the property. Is the property near a university? It is in an economically depressed area? Is it in an area that is experiencing growth? What is the forecast for property values over the next few years? Is the property located near something that could potentially drive down its value? Drive it up? Do your homework and know the area inside and out. This will also help you if you decide to invest in additional property in the same area. Win win situations are always a good deal, of course. If everyone can come out ahead, all the better.

Watch the market for various trends and stay on top of them. The real estate market is constantly changing so when you notice a trend, move fast. Finally, know how to market your deal. If you do not know what you are doing you will most likely make bad investment decisions and you are very likely to lose money. It all goes back to knowing your investment area and knowing what you are doing.

The Business Side of It

Managing the business side of it all is extremely important to making money. Not knowing what you are doing on the business end of the equation. Some areas of business management that you should pay close attention to are:

* Organization - Organization is vital to running your business in an efficient manner. You must be organized or you will lose valuable time and money because phone calls will not be returned, appointments will be arrived at late and credibility will be lost. The last thing that you want is to be labeled the “absent minded professor.”

* Time Management - If you can not manage your time you will likely be unable to manage anything else. Set aside a certain time or times during the day for various things such as email, returning calls, pursuing contacts and tending to the business portion of your company. Set a schedule and do not stray from it.

* Financing and Budget - Set a budget and stick to it. You need to maintain your budget and stay on top of your financing. This is one area where super organization is vital. This is what drives your business and if you lose money you business will suffer.

* Team Development - Create strong, effective teams and constantly work to develop them. This will be your support system when you are in the throes of an investment venture.

Making the Deal

This is the nuts and bolts of the commercial property investment process. Select your properties, seek out great deals and develop property that turns a buck. You should identify your investment strategy and seek out properties that fit specific criteria that you develop. You can find properties by appointing others to locate the properties for you, use local press and marketing principles to find hot spots and even employ the assistance of a broker. With some know how and a lot of work, you can be successful in commercial real estate investing.

Investing in commercial real property relies in a variety of factors in order for it to be a success. Ethical practices, sales strategies, sound business practices and knowing how to make the deal all work to create an investment sales and acquisition success story.

Walk In Bathtub

Texas Real Estate

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VANCOUVER, British Columbia (AP) — Jaromir Jagr, out of the NHL for two years and now a role player rather than one of hockey’s big names, scored a goal and set up another late in the second period as the Czech Republic beat rival Slovakia 3-1 Wednesday night.

Texas Real Estate

Cavs acquire Jamison in three-team, six-player deal

WASHINGTON (AP) — The Cleveland Cavaliers acquired Antawn Jamison on Wednesday night, the forward they hope will fit in between LeBron James and Shaquille O’Neal on a championship front line.

CT Commercial Real Estate

Eastern Connecticut leads the State in job growth and likely will continue for the next tens years. Economic growth in Eastern Connecticut is booming with major projects underway or proposed. Half way between Boston and New York and 30 minutes to Providence. Home to Foxwoods Resort and Mohegan Sun casinos, Eastern Connecticut is very similar to central Florida when Disney World opened.

Current Projects:

Utopia Studios: proposed $1.6 Billion movie studio, theme park and entertainment center. Expected to create 22,000 new jobs when the project begins in 2007. Once completed the Studio is expected to attract an additional 8 to 10 million visitors a year to the area.

North Stonington Studios: a $1 billion movie studio proposed by Frank Capra Jr., president of EUE/Screen Gems Studios in Wilmington, N.C., The project includes movie studios, an academy of arts and sciences, a high-end retail village with 20 to 30 shops and restaurants and a 200-room hotel on 488 acres near Interstate 95 in North Stonington.

Center of Excellence, Plainfield: proposed by Global Enterprise and Associates, the center, which will be housed in the old Plainfield High School on Route 12, will be home to three separate, but collaborative, businesses geared toward education, health care and entertainment.

Norwich Harbor Redevelopment: a $500 million 37-story twin condominium towers at the marina, an upscale theme park on Hollyhock Island, a retail plaza above Chelsea Harbor Drive and 100 high-end housing units where the Norwich Police Department now sits.

Wauregan Hotel Redevelopment: Downtown Norwich, preservation and adaptive re-use of historic 1855 Wauregan Hotel into 70 units of moderate income housing, 4,000 s.f. of /retail space, ballroom restoration, and 100-space parking garage. Completed by Becker & Becker of Fairfield, Connecticut.

Mohegan Sun: celebrating their ten years anniversary, Mohegan Sun continues to evolve. The Tribe has hired an architectural firm which is in the midst of developing a master plan for the casino resort. The Tribe also recently purchased a golf club and country club in Franklin.

Foxwoods Resort: $1 billion expansion will add 2 million square feet to the complex. The expansion, expected to be completed by 2008, will include a 825-room hotel, a new casino, a 5,000-seat concert theater, six nightclubs and restaurants, and a 21,000-square-foot luxury spa.

Storrs Center: a mixed-use town center and main street corridor at the crossroads of the town of Mansfield, and the University of Connecticut. Storrs Center Alliance, LLC, an affiliate of LeylandAlliance LLC, Tuxedo, New York, is the master developer. PROJECTED MIX includes
Market Rate Rental: 200-300 units, For Sale Residential: 400-500 units, Retail/Restaurant: 150,000-200,000 s.f., Commercial (office): 40,000-75,000 s.f., Civic and Community: 5,000-25,000 s.f.

Windham: retail expansion including Lowes, nearby Walmart, Home Depot, Sears and busy growing retail area. The downtown revitalization and growing arts district including the now open Arts School, Artspace, and Bridge of Flowers. Redevelopment of Nathan Hale and Hooker Hotel.

Killingly Commons: developer Ceruzzi Holdings, project for 470,000 sqft of retail space will serve the busy Route 395 corridor in Northeastern corner of the State. Leases have already been signed by Stop & Shop, Target, Lowes, Staples, Applebees, and McDonalds.

The State currently has generous tax incentives for developers and businesses in designated communities.

Enterprise Zone Program benefits can include: a 5-year, 80% abatement of local property taxes on all qualifying real and personal property that are new to the Grand List of the City/Town as a direct result of a business relocation, expansion or renovation project; and a 10-year, 25% or 50% credit on that portion of the Connecticut Corporate Business Tax that is directly attributable to this business relocation, expansion or renovation project as determined by the Connecticut Department of Revenue Services and as provided under section 12-217(e) of the Connecticut General Statutes.

Windham has been designated an Entertainment District, giving certain entertainment related types of businesses, as defined by statute, eligibility for full Enterprise Zone level benefits, if they complete an eligible project anywhere within the municipality. Within the Entertainment District any type of real property improvement is eligible for an enhanced property tax benefit.

Griswold , Killingly, Lisbon, Plainfield, Putnam, Sprague, Sterling and Thompson are towns of the Eastern Enterprise Corridor. Benefits for eligible projects in an Enterprise Corridor Zone are identical to those in an Enterprise Zone.

Investors continue to be active in the region, looking for
investment properties of all types. Especially in demand are net-leased properties with credit tenants, and residential income properties. The demand for warehouse and flex space continues to be strong with very little new supply coming into the market. Eastern Connecticut is expected to experience sustained growth for many years with a lot of activity in the commercial, industrial and retail real estate areas.

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EarlWeikel.com posted a photo:

Beech Spring Farm is a luxury homes subdivision located off Barbour Ln in Louisville KY 40241. The fine homes for sale in the Beech Spring Farm run in price from $108,000 to $345,000. Home sizes run 1700 to 4000 sqft. If you would like to see a list of luxury homes for sale in Beech Spring Farm, please visit our website at www.louisvilleschoiceforhomes.com/mls.asp?searchid=6373 or www.LouisvillesChoiceRealty.com We love to help, so call us at 502-641-4306 with any questions about Beech Spring Farm homes.

Texas Real Estate

Commercial Real Estate: Becoming A Market Expert - Part #6: Focus On The Area Of The City With The Zoning You Need

By now, you?re probably pretty well acquainted with the process on of focusing on the property type and area you want. You know the zoning which supports it and you?ve reviewed in detail the zoning maps.

Now what? It?s time for some legwork. You want to put into use some of that book learning and researching you?ve been conducting.

Take a look at your zoning maps with highlighter in hand. Now highlight the areas you want to go look at. Then you get in your car and drive around to take a look at those areas and neighborhoods.

It?s that simple. It will be an eye-opening experience.

Here?s what you want to do specifically:

First, and most importantly, take your time. This isn?t a race. There?s no winners or losers for getting it done quicker.

The expedition is about gathering information and getting a feel for the area. Your goal is to review the area and the properties on an overall basis.

As you drive around the area, take note of any properties which are in transition. Meaning they have signage that says ?For Lease?, ?For Sale? or ?Sold?. When you get back to your office check out the history of those properties. Call the owners, brokers or agents to find out more about each of the properties.

Why would you want to do that?

Well, for one thing you are looking for pricing information. For instance, how are people paying per square foot? What are the terms and conditions. The ones that are for rent are wonderful indicators, because you?ll be able to piece to together the income potential for the area.

Number two, you want understand how the market is appreciating over time. Plus, it is wonderful feeling to discover a diamond in the rough.

Number three, if a property is for sale, it just might be up your alley (no pun intended). And you can start the process of analyzing whether the property is a good deal.

Now, that you are starting to get a feel for the area, go ahead and visit the other areas highlighted on your map. You?ll notice similar but different transitionary aspects of each sub-market you scout out.

This is where it gets really interesting. Start to ask yourself why the changes. What are the reasons for the appreciation or lack of appreciation. Then get your answers from the brokers or owners you are representing the properties.

It?s important that you ask these people because they definitely have the answers you and need going forward. Your knowledge of the market will give you the opportunity to talk intelligently about the opportunities as well as the advantages and disadvantages.

The best part is you?ll start to make some good contacts, and maybe even friends or future investment partners.

As you continue driving around you?ll begin feeling more and more comfortable. The process will become easier and you?ll start to notice the nuances and details. And then you?ll automatically start making comparisons and evaluations.

Again, it is vitally important you take your time and take the time to enjoy the process of discovery.

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.

Sarasota Real Estate Blog

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Commercial Real Estate for the Beginning Investor

Commercial real estate has been reserved for the financial and investment savvy entrepreneur, those who have an ?in? through a strong mentor, and those who for some reason, just figure it out for themselves and become wildly successful from nothing.

Commercial real estate is absolutely available to those who seek it out. I am going to assume you have a deep desire to become wealthy and live the lifestyle of a successful entrepreneur. Despite what many people think, commercial real estate does not require perfect personal credit, a multi-million dollar bank account (although it definitely helps), financial expertise or investment savvy strategies. There are people to cover every task for you- it is a matter of learning everything you possibly can about the industry and coordinating the right people to work for you. In order to be the commercial real estate investor you dream about, it takes getting the right information from the right people.

Commercial real estate investing can be done by even the most average and non-average of people- a little motivation and willingness to learn, and you can easily be on your way to being a very successful, profitable commercial real estate investor.

The first step in being a successful commercial real estate investor is to get to know your community. That?s right, your own back yard. You need to know the buildings, how much they are worth, and who owns them. It is time to become a detective and identify trends or patterns within your local market. There may be specific apartments that are being poorly managed and are about to go into foreclosure, or a new mall in the development plan about three years from now and purchasing the 100 acres around the future building site at the very inexpensive price of $15,000 per acre is going to be worth over $200,000 per acre once the mall goes under construction.

Attend your local planning and zoning meetings, investing meetings, and chamber of commerce. Make your presence slowly by watching and seeking out the noticeable successful investors and decision makers within your community. What do they do? What have they been responsible for? You will also begin to understand the value of properties in your community, where certain properties are beginning to decrease in value due to poor management and outdated amenities, as well as what opportunities you may take advantage of in the future.

The second tip is to read, read and read on everything commercial real estate. You need to understand the industry inside and out to truly be successful. Have a certain type of property you enjoy, such as apartments or office parks? Then focus in a certain area. How about a specific strategy such as purchasing foreclosure, bankruptcy or declining properties and adding extreme value to the bottom line? Or perhaps you are interested in simply holding properties and then selling when the market demands the ultimate price. The more you know, the more successful you can become.

The last and most effective tip I am going to give you today is to seek out a successful commercial real estate investor whom you can study, model after and even adopt as a mentor.

Who do you notice in your community that is always ahead of the commercial real estate game? Repeatedly purchasing properties and creating value within the community. Ask these people for advice- but always come prepared. Schedule a meeting or a nice dinner or lunch meeting. Always thank them for their time and send a thank-you gift explaining how the information helped you and that you look forward to their next meeting. Offer to help in any way you possibly can- simply for the education.

I think you would be surprised how many people would be willing to teach you the ropes for a helping hand. Always listen and approach the situation as a learner- not an expert. Never step on their toes and take in the experience. Watch for details, specific strategies and eventually you too will be one of the big players in the industry.

Have a passion for success? A desire for wealth? Feel the need to give back and create good environments for those people? Then listen and learn. There is nothing the successful commercial real estate investors are doing that you cannot do too. Believe this and really get to know the industry. You will find yourself completely successful just by following the people before you and the strategies they use. Rely on professionals to cover areas that you need assistance in and do not let obstacles stop you from achieving your dreams.

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Texas Real Estate

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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.

Texas Real Estate

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Where to Locate Potential Commercial Real Estate Deals

Locating potential commercial real estate deals can be the most important aspect of commercial real estate investing. In fact, without solid deals, you do not have any property in which to invest. It is really necessary to find the best deals you can so that your invested capital is maximized in its return.

When you locate only great deals, you can do fewer deals per year and make an exorbitant amount of money. Great deals are characterized by a return that equals three to four times the amount of your investment. However, if you find only average deals, the return per deal can be considerably less, causing you to either not make as much money, or do more deals per year. It takes the same amount of work and identical processes for each deal, so you might as well do less work and see a greater return.

You must use trusted and solid resources to locate your deals. Although there are many options to find properties, as they are available in every city and state, you must use resources with updated and accurate information. Below you will find the best resources to assist you in finding deals. You can use each resource to locate the properties that fit within your property investment criteria. Some resources may work better than others, depending on your area of specialization.

One of the best and most common places to find commercial property is through commercial brokers. This would make sense, as they are the ones who actually have the properties listed. You can go to them with a criteria sheet or specific information on the type of property you would like to purchase.

You can find brokers on a local or more widely spread basis, even going as far as calling brokers in other states. Most will be more than happy to call other brokers and find listings that best fit your criteria. They will bring you properties as they become available.

Another great advantage of a commercial broker is their ability to find pocket listings, or listings that are about to go on the market, but have not yet officially been listed. You can get a jump ahead of the competition and find excellent deals. Get in contact with a few brokers every day, and watch targeted properties roll in!

Another place to locate properties is on the internet. There are many sites that have hundreds of commercial properties for sale ranging from raw land to large retail and apartment complexes. These sites have information on both the property and the broker, so you can easily get in contact with the broker and learn more about the property. You can filter the information as you see fit, usually according to your specific criteria.

One of the best sites is Loopnet.com. This site houses hundreds of brokers all over the United States who post their many listings. You can filter through deals very quickly and reach a larger audience than you would in just your own community. Your ability to build contacts also increases with so many brokers and agents at your fingertips. I urge you to check out these commercial real estate sites and see what deals you can find.

Auction houses are great places to locate properties of all conditions and types. Many times you can get excellent deals on properties that you may otherwise have to spend a lot more for if they were listed with a broker. You can get on mailing and e-mail lists of different auction houses so they notify you of properties that will be going to auction. This allows you time to investigate the property as an investment, before the actual bidding day.

Auction houses also sometimes provide the option to purchase a property at a certain price before it goes to auction. You never know what opportunities will come along, so it is a good idea to stay in contact with several auction houses to be privy of the properties moving through their hands.

Although there are many ways to locate deals, these are among the best offered to the commercial real estate industry. The properties are abundant, and contacts can constantly be made, allowing for an ease of influx of other possible deals. A secret in this business is that the more contacts you have working for you, the more opportunities will be brought to your attention.

If you are working locally, and using only local resources such as newspapers, listings, and magazines, I urge you to use these other options. You can find local deals this way as well. It might even give you incentive to move out to your comfort zone and into areas where you will find even more opportunities.

Use these resources- commercial brokers, internet commercial real estate sites, and auction houses to find targeted, up to date, and numerous properties that could possibly bring your next big commercial deal!

Boston Real Estate

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Commercial Real Estate: Raising Equity

Those researching the subject of commercial real estate investment are likely to encounter the term ?OPM? on a regular basis. OPM is an acronym for ?Other People?s Money.? I?ve covered this topic in general in an earlier article, but today I want to focus on raising ?equity? for your commercial purchase transactions.

To review, the reason many people are reluctant to invest in commercial real estate is that the property values are often so high that it takes a great deal of money to complete a transaction, even using75% to 80% loan to value commercial loan. Few individuals have the financial resources needed to buy suitable properties for cash, let alone the $1,000,000 or so you would need to purchase even a moderately priced $4,000,000 building. This is where the concept of using other people?s money comes into play. The idea is to pool the funds of like-minded investors to purchase a property and then duplicate the process to build a portfolio.

The difficulties facing most investors are finding the other people with the money and proactively structuring the transaction. Everyone needs to be clear on their role in the transaction, how profits (or losses) are distributed, how results are reported, and how the project ends successfully. The process is not as difficult as it may seem at first and it even has a name: ?Syndication.? Potentially, even commercial real estate syndicators with little or no credit history have access to hundreds of thousands of dollars, all as close as the people they already know. One word of advice here, though: Start making a serious effort to clean up your credit if you are challenged in this manner. You may have to guarantee some loans and you don?t want your credit history to be a stumbling block.

Before you start telling everyone you know that you are raising money for a commercial real estate investment, there are some things you need to know and that you?ll likely have to research:

First, you need to understand investment entities, such as Limited Liability Companies. You need to know how they are formed, operated, taxed, and unwound because they will be your primary investment vehicle. They also establish who is responsible for what actions through the life of the investment.

Second, you need to learn about and understand a document called a ?Private Placement Memorandum.? It has other names like ?Investment Circular,? ?Investment Disclosure,? etc. This is the document that discloses all of the potential risks inherent in your proposed investment. You need to be extremely thorough in discussing those risks because should something go wrong with the investment and you don?t cover it here, you could be subject to a lawsuit. One key aspect of this part of the process is having a good attorney working for you with experience in these types of transactions.

Third, you need to have good analysis and presentation skills. You should know the ins and outs of spreadsheets (or know someone who does) so that you can dissect a transaction completely and put together a good case for making the investment to your potential investor partners.

Fourth, you need to find the investors. Start with busy, successful people whom you know, who have more money than time: Your doctor, dentist, psychologist, veterinarian, accountant (who is really good for knowing OTHER busy, successful people with more money than time), attorney, dry cleaner, golf pro, etc. You?d also be surprised how many people you know who have I.R.A.?s or 401k plans full of under-performing money who are looking for a good investment vehicle. You can advertise for investors, but be VERY careful before doing this. You MUST talk to your attorney about local securities laws and how they affect what you say and to whom you say it. You want calls from investors, not regulatory agencies!

The process of raising commercial real estate investment equity isn?t rocket science, but it does involve some study and the help of some knowledgeable professionals. Take your time to do it right and you?ll be making more money (your own, this time) than you thought possible.

Texas Real Estate

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Resolved Question: Fixing my credit. I have a question about repairing credit.?

My husband and I fell into some bad times and for the past 8 months we have not been able to pay on our debt. We had to prioritize our bills and unfortunately, the only bills we have been able to afford have been the mortgage, car payments and insurance. And even those are all one month behind. Our credit has taken a huge hit. From the low 700’s to the low 400’s. We have lapsed on all credit card bills, loans and payments of any kind. NOW….things have changed. My husband has been promoted with a HUGE pay increase. Enough to catch up all bills and start paying off debts. I have two questions: First, is it better to repair credit by paying off the collection companies with a discount or pay the lender/credit card directly? Second, how long would it take to restore our credit if we catch all of our bills up and pay off debts we owe?
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Texas Real Estate

Commercial Real Estate Strategies: The andquot;columboandquot; Questions

For the astute commercial real estate investor, the cap rate AKA Capitalization Rate is an important financial number to consider. Here?s why:

Commercial Real Estate Earns Income

One main identifier that defines commercial real estate from other types of real estate is that it earns income for its owner. Commercial real estate values are typically based on these current (and/or future) income streams from the property under evaluation.

While there are many types of commercial real estate, such as strip malls, office buildings, condo projects, industrial sites, and several other property types, each is supposed to produce net income.

Each of these commercial real estate properties will normally have an income stream and associated expenses. It doesn?t matter if it is a mall, hotel or a trailer park. All commercial real estate properties typically have both income coming in and expenses going out.

The Raw Land Exception

The one exception to this typical ?rule of thumb? is raw land. Raw land will many times not have any income stream, so it has to be evaluated differently for commercial purposes

Evaluating the Cap Rate

When a commercial real estate property is evaluated, the buyer does his or her best to ascertain the accurate and sustainable income stream the property is currently producing. The cap rate is based upon current financial numbers, not future. And if it is not being used to its highest and best use at the moment, an adjustment will also be made as to its income stream once any problems are corrected.

Income Streams
Income streams can come from a variety of places, so I won?t make any attempt to list all the various forms here. There are some common ones and some unique to a given property. Just remember that the income stream is made up of all money received through the property.

Expenses Paid Out

The other side of the cap rate equation is the expenses that must be paid on the prospective property. There can be literally scores of different expenses, which can be found in any reasonable accounting course, so we won?t go into them here.

The Cap Rate Configuration

Now that we understand that the cap rate is determined by comparing income and expenses, the final part we need to factor in is the selling price of the commercial real estate. We?ll use an example below:

Income $100,000.00

- Expenses $50,000.00

= Remaining $50,000.00

Selling Price $500,000.00

Cap Rate = Remaining / Selling Price = $50,000 / $500,000 = 10%

Conclusion

Now you understand all the pieces of the cap rate formula and how to determine it. Again, the cap rate is very important in commercial real estate transactions because it puts a number or ?grade? on the value of the deal in simple and consistent terms for the investor.

The larger the cap rate, the better the deal is for the investor, so you can draw the conclusion that investors prefer high cap rates, and the higher the cap rate is, the more the investor likes the deal.

In fact, some investors set minimum cap rates before they?re interested in a commercial real estate deal. So you understand why ?Cap Rate is King? in commercial real state transactions.

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 Investment

Investing in commercial real estate is riskier and more costly than investing in residential property - but ultimately it can be far more profitable. Whereas the stocks of major housing manufacturers have decreased over the last few months, retail and institutional investors have been investing heavily in commercial real estate, through both operating companies and investment trusts.

The profits from commercial real estate are linked to a large degree to the state of the overall economy - today, commercial property is a $4 trillion market, having increased in volume around 20% over the last five years. Most smaller investors are able to profit from commercial real estate.

The potential profits to be made from investing in commercial real estates are affected by several factors. Apart from the overall economy, the local economy and market can have a huge impact, as can the terms and length of any lease, the reliability of tenants and the overheads involved with your property.

Generally speaking, when investing in commercial real estate, to make a profit you should ideally have a long term lease from a major tenant. Finding the right tenant isn’t always easy - most commercial real estate has relatively few potential tenants unlike residential property.

During a recession, commercial foreclosures and vacancies tend to increase significantly more than residential properties. And if commercial properties remain vacant for a long period of time, owners may lose a lot of income and be forced to resell for less than the property is worth.

One method of generating a profit from commercial real estate is to look at REITs (Real Estate Investment Trusts). These are traded securities which allow an investor to take part in large scale commercial projects. REITs were created in 1960 by Congress and can be a practical alternative to bonds.

Most REITs specialize in certain types of property such as office buildings, hospitals or shopping centers. There are several benefits of REITs: they trade in the same way as stocks, so you can buy and sell them. The share price can increase in value as the property appreciates in value and shareholders also get income from rents.

Not surprisingly, REITS have become extremely popular over the last few years. Another big advantage of them is the tax benefits - by law, REITs must distribute 90% of their income as dividends.

There are several ways to invest in commercial real estate without actually having any capital. Subordination is the term for the situation in which the current owner actually takes out a second mortgage on the property to cover the difference of the amount that the purchaser has available in the form of a loan.

Another method is to persuade the owner of the property to release some acreage. That section of land can then be used to borrow money to cover a down payment on the rest of the property. Many property owners don’t even know this option exists and it can be an effective strategy when dealing with raw land.

Another method is to purchase commercial property by means of a partnership. If you are able and willing to do the work, you may be able to find a partnership that is willing to finance your deal - in exchange for a percentage of the profits, of course.

Investing in commercial real estate isn’t for everyone. But the profits can certainly be made for those who are prepared to take a calculated risk, have the expertise - and perhaps a little bit of luck.

Texas Real Estate

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The Future of Commercial Real Estate

Although serious supply-demand imbalances have continued to plague real estate markets into the 2000s in many areas, the mobility of capital in current sophisticated financial markets is encouraging to real estate developers. The loss of tax-shelter markets drained a significant amount of capital from real estate and, in the short run, had a devastating effect on segments of the industry. However, most experts agree that many of those driven from real estate development and the real estate finance business were unprepared and ill-suited as investors. In the long run, a return to real estate development that is grounded in the basics of economics, real demand, and real profits will benefit the industry.

Syndicated ownership of real estate was introduced in the early 2000s. Because many early investors were hurt by collapsed markets or by tax-law changes, the concept of syndication is currently being applied to more economically sound cash flow-return real estate. This return to sound economic practices will help ensure the continued growth of syndication. Real estate investment trusts (REITs), which suffered heavily in the real estate recession of the mid-1980s, have recently reappeared as an efficient vehicle for public ownership of real estate. REITs can own and operate real estate efficiently and raise equity for its purchase. The shares are more easily traded than are shares of other syndication partnerships. Thus, the REIT is likely to provide a good vehicle to satisfy the public?s desire to own real estate.

A final review of the factors that led to the problems of the 2000s is essential to understanding the opportunities that will arise in the 2000s. Real estate cycles are fundamental forces in the industry. The oversupply that exists in most product types tends to constrain development of new products, but it creates opportunities for the commercial banker.

The decade of the 2000s witnessed a boom cycle in real estate. The natural flow of the real estate cycle wherein demand exceeded supply prevailed during the 1980s and early 2000s. At that time office vacancy rates in most major markets were below 5 percent. Faced with real demand for office space and other types of income property, the development community simultaneously experienced an explosion of available capital. During the early years of the Reagan administration, deregulation of financial institutions increased the supply availability of funds, and thrifts added their funds to an already growing cadre of lenders. At the same time, the Economic Recovery and Tax Act of 1981 (ERTA) gave investors increased tax ?write-off? through accelerated depreciation, reduced capital gains taxes to 20 percent, and allowed other income to be sheltered with real estate ?losses.? In short, more equity and debt funding was available for real estate investment than ever before.

Even after tax reform eliminated many tax incentives in 1986 and the subsequent loss of some equity funds for real estate, two factors maintained real estate development. The trend in the 2000s was toward the development of the significant, or ?trophy,? real estate projects. Office buildings in excess of one million square feet and hotels costing hundreds of millions of dollars became popular. Conceived and begun before the passage of tax reform, these huge projects were completed in the late 1990s. The second factor was the continued availability of funding for construction and development. Even with the debacle in Texas, lenders in New England continued to fund new projects. After the collapse in New England and the continued downward spiral in Texas, lenders in the mid-Atlantic region continued to lend for new construction. After regulation allowed out-of-state banking consolidations, the mergers and acquisitions of commercial banks created pressure in targeted regions. These growth surges contributed to the continuation of large-scale commercial mortgage lenders going beyond the time when an examination of the real estate cycle would have suggested a slowdown. The capital explosion of the 2000s for real estate is a capital implosion for the 2000s. The thrift industry no longer has funds available for commercial real estate. The major life insurance company lenders are struggling with mounting real estate. In related losses, while most commercial banks attempt to reduce their real estate exposure after two years of building loss reserves and taking write-downs and charge-offs. Therefore the excessive allocation of debt available in the 2000s is unlikely to create oversupply in the 2000s.

No new tax legislation that will affect real estate investment is predicted, and, for the most part, foreign investors have their own problems or opportunities outside of the United States. Therefore excessive equity capital is not expected to fuel recovery real estate excessively.

Looking back at the real estate cycle wave, it seems safe to suggest that the supply of new development will not occur in the 2000s unless warranted by real demand. Already in some markets the demand for apartments has exceeded supply and new construction has begun at a reasonable pace.

Opportunities for existing real estate that has been written to current value de-capitalized to produce current acceptable return will benefit from increased demand and restricted new supply. New development that is warranted by measurable, existing product demand can be financed with a reasonable equity contribution by the borrower. The lack of ruinous competition from lenders too eager to make real estate loans will allow reasonable loan structuring. Financing the purchase of de-capitalized existing real estate for new owners can be an excellent source of real estate loans for commercial banks.

As real estate is stabilized by a balance of demand and supply, the speed and strength of the recovery will be determined by economic factors and their effect on demand in the 2000s. Banks with the capacity and willingness to take on new real estate loans should experience some of the safest and most productive lending done in the last quarter century. Remembering the lessons of the past and returning to the basics of good real estate and good real estate lending will be the key to real estate banking in the future.

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Miami Commercial Real Estate 2006

Miami’s commercial real estate market has been maintaining its momentum, despite the fact that property owners wrestle with escalating insurance costs due to Hurricanes Katrina and Wilma last year. The Miami commercial real estate sectors for office, retail, warehouse and rental apartments consistently declared increasing rents concurrently with decreasing vacancy rates for the first quarter, according to a real-estate research firm based in Boston.

As of the moment, real estate investors remain eager to immerse into the activity in the Miami commercial real estate market. Many of these investors are beguiled by Miami?s stable population growth over the year, as well by its continuously mounting international prominence. The population in Miami rose to 2.4 million in the first quarter of this year, which is about 1% higher than the same period in the previous year.

While Miami continues to be the center of gravity of Latin American finance, it also has been able to attract a growing volume of investment from Europe. This has made Miami a much more stable arena for investment, thereby reinforcing its potential to attract more investors even further.

Generally, the relatively diminishing hunt for condominiums has opened up more land available for new office developments that compete for occupants, thereby strengthening the office market. Meanwhile, larger corporate investors have been snapping up properties from smaller private investors, which effectively is capable of setting the level of Miami commercial real estate property sales higher than last year?s levels.

A New York real-estate research firm has concluded from their study that average sale prices of Miami commercial real estate retail properties climbed from $156 per square foot in 2005 to $221 per square foot this year through June 29. This figure is also well above the national average of $154 a square foot. The average sale prices for office properties also significantly scaled higher from $164 per square foot in 2005 to $213 per square foot this year. This figure slightly margins national average of $211 per square foot.

This year, a total of around 2.1 million square feet of retail space is projected for completion this year. The figure is 74% higher over the same period last year. Moreover, some office space projects are also being anticipated for completion within 2006. Rilea Group? Alan Ojeda is currently undertaking negotiations for a project that was originally proposed as residential units. The project is set to construct a 580,000-square-foot office building located at 1450 Brickell Avenue at the heart of Miami’s financial district.

However, the pace of Miami?s economy appears to be downshifting because of a high cost of living which is 11% above the national average and slowing employment growth rate. Employment growth from May 2005 to this year also declined to about 1.5% from the 2.7% rate for May 2004 to May 2005 as evident from the data of the Bureau of Labor Statistics. Moreover, insurance premiums have also soared. Some commercial building owners have been experiencing difficulties in getting insurance coverage for the damages incurred from Hurricane Wilma. Espirito Santo Plaza, which is a 1.2 million-square-foot multi-purpose building used as office, condominium and hotel is paying $5.8 million this current year for 50% of the total wind insurance coverage it obtained last year at $1 million. The burden of insurance premiums on operating costs of commercial buildings can be quite heavy.

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Do you think that there is a big sign that reads, Freelance Writing Jobs, Apply Within? There just is not. In fact, you may have a hard time finding writing jobs of any type advertised in any employment magazine or newspaper either.

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Unless you are performing in one of your regular venues, the question that is inevitably asked - either implied or directly - of any entertainer is “are you any good?”

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Nowadays, finding a job can be very tedious. However, some people contend that trying to keep a job to avoid the risk of losing it is in even harder. This is because they are trying whatever viable means there is, in order not to lose their jobs.

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Ways To Minimize Risks In Your Commercial Real Estate Investment

When you invest in a commercial property, you all hope that the property value will go up and the income will continue to increase. However, you also have to plan for the downturn too. There are ways to minimize your risks when you invest in a commercial property:

1. Choose a property with multiple tenants instead of single tenant. This will spread out the risk as you don?t put all eggs in one basket. When a tenant terminates a lease, you will potentially just lose a portion of the total income. It?s also easy to find a tenant looking for a small 1000 SF unit.

2. Choose a property with long term leases over month-to-month leases. Month to month tenants can move out with short notice when their businesses go down.
3. Avoid having most of the leases expire at the same time. That way in the worst case, you will not have to face with a scenario that the whole building is vacant.
4. Choose brand-name over no-brand tenants when you have a choice. Leases from brand-name companies like Walgreens, Subway, HR Block are sometimes guaranteed by the corporations. So when they have to shut down the store, the corporations will continue paying rents. According to statistics, brand name tenants are more likely to be in business next year than non-brand name tenants.
5. Ask for lease guarantee. When a tenant is a small corporation, ask the owner of the corporation back up the lease with his or her personal assets. This way you are more likely to get your rent paid during bad times.
6. Have a mixture of tenants with different businesses. For example, you don?t want to have 3 barbershops in a shopping center as they will compete against each other and take the other out of business. When the economy slows down, it may affect a certain industry. By having tenants with different businesses, you reduce the chance that the economy affects most of your tenants.
7. Request seller for rent guarantee. When you purchase a commercial property that is not 100% leased, ask the seller to provide a 12-month rent guarantee for vacant units. That way you have up to 12 months to look for tenants.
8. Invest in a stable and growing area instead of a declining area. Your tenants are more likely to do well and have money to pay you the rent.
9. Invest in an area with strong income. The median household income in the US is about $46,000 per year. So if the area has median household income of only $28,000 per year, it?s likely a rough area with lots of graffiti?s. This is a risky area to invest.
10. Choose triple-net leases over gross leases. Maintenance is something varies from year to year. On the triple-net lease, the tenant is responsible to reimburse you with all the expenses so your net income does not fluctuate.
11. Avoid property that has chemical. If you are an investor looking for a passive investment, you should avoid gas station. When there is a gas leak, the soil is contaminated. You won?t be able to sell the property as no lender will provide financing.

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Learn Why Being a Commercial Real Estate Property Scout is the Absolute Best Home Based Business

If you?ve investigated peddling potions or vitamins, doing typing at home, filling out surveys, or the wide variety of Internet businesses being peddled as easy and profitable these days or any other of the variety of work at home options? if you?re like many others you?ve found it quite difficult to first get to the truth and second - decide which one is the best home-based business opportunity for you.

Whether you?re a work at home mom, or looking for a new career, or looking for a real Internet-based opportunity does not matter. Each of these groups faces the same challenge ? trying to determine exactly what the best home based business opportunity really is.

Before I chose my path, I looked at lots of these supposed work from home opportunities. Most appeared to me to me a complete waste of time and not much more than a drain on my wallet. Upon further investigation most all were.

Well ? all except one.

There is a new scenario that outshines all the rest. Based on the two main criteria for judgment ? is it reasonably doable and can I make a reasonable amount of money for my efforts ? this one is both.

After much my own investigation, one work at home situation proved itself above all the others to be the best home-based business opportunity. It is brand new ? although already 100% tested and proven ? and anyone anywhere can do it. And the money people make is pretty astonishing, too.

This radical new home based business opportunity is being a commercial real estate property scout. Since that term is new, here?s what it means:

A commercial real state property scout is a person who finds promising properties for commercial real estate investors to buy.

And again - property scouting is very ?doable? because there are only two main places the property scout looks for and finds potentially profitable properties. And property scouting pays ?big rewards? because the investors pay the property scout a VERY handsome fee for the properties that meet their profile criteria.

So in a nutshell, choosing to be a commercial real estate property scout in unquestionably the very best home based business opportunity ? bar none.

One caveat ? another reason that being a property scout is the best home based business is because it is a REAL business - not some over-hyped nonsense. That being considered, if people are looking for some nebulous and nefarious get-rich-quick idea ? they should just keep looking.

Being a property scout is not this.

It is a real, very highly respected profession run by a highly respected real company. And once again ? the beauty of being a property scout is that you can do it all from the comforts of home.

So - this problem is now solved. Being a professional property scout has resolved both of the main issues of all work at home business opportunities because it is a legitimate profession sponsored by a legitimate company, while being both doable and profitable for the property scout.

And here?s one last consideration that has already been satisfied as well ? being just recently released as a work from home opportunity, the property scouts enjoy a virgin marketplace that is not overrun by people.

Therefore, because property scouting is doable, profitable, and offers a fresh marketplace ? it is unquestionably the very best work at home business opportunity for 2007 and beyond. And one final consideration? the average person can easily understand the simple duties of the property scout and get started immediately without long, expensive, and exhaustive training.

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The Commercial Real Estate Market in Florida

Florida has a lot of things to offer. It actually plays as a run away paradise for tourists and visitors because of its beauty.

Florida has many beaches get away ideas. And there are heaps of recreation to take advantage with such boating, skiing, dock to yacht, and the like. Having all this makes tourists to be attracted to take advantage its privileges.

Commercial real estate in Florida for shopping malls is considering an alteration for the adapting the needs of the present day shopper. Florida commercial real estate re-sales are rising. Those you are raring to buy real estate come from minority groups such as Latin Americans and Asians.

A new concept in Florida real estate is the Open-air commercial real estate, which is taking charge lately. Enclosed malls are gradually surrendering their control to open air centers. Since open air centers has a lot more features and space to offer than traditional walled mall.

Adaptation and redevelopment are actually the key ways to increase in commercial real estate business in Florida. Since people are usually looking for convenience and ambience, and Florida have these factors to offer.

Now, if you are searching for commercial real estate property in Florida, it is better for you to distinguish what kind of business you wanted to be into, and your preferred location. There is varying of array of commercial properties that you can consider, from office space to retail establishments.

Whatever commercial property you are looking and interested to, there are lot of categories of real estate properties to consider so limit down your search. Retail properties, is one category to consider, which covers shopping centers and malls, franchise locations, chain store sites, showrooms, retail sites and shops.

Office buildings, business parks, commercial rental properties, residential developments and net leased properties are investment properties. Industrial parks, resort properties, waterfront property and land tracts fall under land brokerages category. And there are also high-tech property areas which particularly for research and development parks, medical laboratories, and call centers.

Hotel and resort properties category covers hotels, convention centers, stadiums, motels and theme park sites. Distribution and industrial properties category covers warehouses, factory sites, airports, distribution facilities and mills.

Amidst of high prices, Florida is usually an attractive and popular place to start business. Hillsborough, Pasco and Pinellas Counties in Tampa Bay; Fort Myers and Cape Coral area in Southwest Florida; Martin, Miami-Dade, Broward, St.Lucie and Palm Beach Counties in South Florida; Sarasota and Manatee Counties in Sarasota; Duval, Clay, Putnam and Nassau Counties in Jacksonville/Northeast Florida; Orange, Seminole, Lake, Polk, Osceola and West Volusia Counties in Orlando / Central Florida and Leon, Franklin, Jefferson & Wakulla Counties in the Tallahassee area are all the place you can look up to choose which interest you the most.

Whatever places in Florida you can choose from to make an investment, you will definitely not regret it. Since Florida has the best commercial real estate to offer, all you have to do is choose which property you are interested to invest with. Florida is certainly known to be a good location for business.

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Commercial Real Estate Investment Decisions

WEIGH YOUR RISKS CAREFULLY

When you decide to embark on a commercial real estate investment program, how do you get your start? We know that there is no such thing as 100% financing for commercial property, so where do you get your initial capital for that first purchase? One method which I have discussed before is to use Other People?s Money as your initial ?stake.? Perhaps having partners is not the path you wish to follow in your investment program. That makes the other option using your own funds. Before you dip into your resources, however, consider some of the risks you face.

First, you are embarking on an investment program about which you have little practical experience. You may have read every book on commercial real estate investing ever printed and gone to every seminar ever produced in a hotel for a year, but you have no experience in the business. Do you really know what can go wrong? Do you realize what additional reserves you might need in case things don?t go as planned?

Second, consider the source of your equity. For most people who have done some real estate investing, they have probably focused on residential investment properties. Residential properties usually enjoy a large number of comparables to easily estimate value, financing programs for residential properties allow potential buyers to facilitate sales with little equity investment, and residential properties are usually less expensive, and therefore more accessible, to most people. If you are such an investor, then you probably have a pretty good pool of equity to tap. But how do you access it? Sell them outright and pay your capital gains? Sell them in a 1031 Exchange? Refinance them? Each option has its advantages and disadvantages.

Third, if you are like most people, your biggest chunk of equity is sitting in your home. There may be a great temptation to go get yourself an equity line, suck out the equity, and go buy a commercial property somewhere. Before you do, make sure to consider how the increased debt service of the equity line will affect your finances. Can you truly afford the payments if something doesn?t work out with your commercial investment? Yes, your commercial property will be producing income. However, the majority of that income will be used to pay its operating expenses and paying off the loan you arranged to acquire it. That doesn?t leave a lot left over for you in the initial years of the investment to pay down the equity line, which will most likely have a rate somewhere above the Prime rate (8.25% today).

The point is to consider your investment goals, your tolerance for risk, and your ability to live without the funds you are using for your commercial investment. Over time, your commercial portfolio should provide you with significant current income, a hedge against inflation, and net appreciation. You need to pay careful attention to how you structure your commercial real estate financing to minimize unforeseen risks and increase your chances of success. In your quest to achieve your commercial investment goals you need to carefully asses the impact of the financing decisions you make.

Texas Real Estate

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A LOS Angeles judge overnight suspended former Baywatch star David Hasselhoff’s visitation rights with his two teenage daughters pending further review of a videotape believed made by one of the girls showing the actor drunk. The order by Superior Court

Dubai to Build Business, Logistics Parks in India With Tata Realty Unit

Dubai to Build Business Parks in India With Tata (Update1) By Will McSheehy May 7 (Bloomberg) — Dubai’s government agreed to build a chain of business and logistics parks across India with Tata Group, the south Asian country’s second-biggest business

Equitywork.com, a company dedicated to providing commercial real estate information and superior solutions

Equitywork.com, a company dedicated to providing commercial real estate information and superior solutions that meet the needs of Commercial real estate agents and brokers, is pleased to announce the launch of its new and updated resource-focused Commercial real estate information website and web portal.

The new website features specialized resources including up-to-date industry news links, regulatory information and white papers. Equitywork.com existing customers will benefit from a new Customer Support section with an extensive knowledgebase, user groups, user tutorials and the latest Commercial real estate reports and commentaries.

“We are in the business advancing Commercial real estate information to commercial real estate agents and brokers. Our new website and partners illustrates our commitment to provide empowering tools and resources that will not only serve our existing and future clients, but all commercial real estate agents and brokers and commercial real estate retail agents and brokers in the industries we serve,” states Matt Davis, Equitywork.com Executive Vice President.

The new Equitywork.com website features specialized resources including up-to-date industry news links, regulatory information and white papers. Equitywork.com existing customers will benefit from a new Customer Support section with an extensive knowledgebase, user groups, user tutorials and the latest Commercial real estate reports and commentaries in Equitywork.com

If you have further question, please do not hesitate to contact our broker support team. We look forward to hearing from you. Enjoy using Equitywork.com.

About the Author

Matt Davis

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Commercial Real Estate Developers Go Condo

If you drive down the street of many suburbs or pristine residential neighborhoods, it?s likely you will see people holding signs and waving. Whether they are dressed as clowns or just wearing shades, the human directional advertisers are trying to lead people to the many commercial real estate properties on the market today.

Converting apartment buildings

A growing number of commercial real estate developers are investing in old and new apartment complexes. They are converting the buildings into condominiums. Condo conversion became hot in the past two years as interest rates were low and so many people wanted the live the dream of becoming a homeowner. As the price of homes throughout the United States began to skyrocket, commercial real estate developers saw a need. People could not afford expensive single-family homes, but they could scrap up the money needed for a more affordable and smaller condominium. Taking advantage of low interest rates, a number of people purchased condos. But now, it?s a buyer?s market and a number of condos remain unoccupied. Some commercial real estate investors have decided to try to rent out some of the units until more buyers come onto the scene. If you are interested in investing in commercial real estate for the purpose of turning apartments into condominiums, do your research first. Find out whether the community already has plenty of condominiums or if it?s flooded with other investors. Find out how much people are spending on rent. If they can rent for less money than it costs to buy a unit, many people would rather rent, especially if it?s a college town or transient area.

Buying versus renting

If you are thinking about buying a condominium, make sure you find out what kind of fees you will be paying in addition to the mortgage, home owner?s association fees and taxes. Some communities have community development district fees, maintenance fees and fees for using the swimming pools.

Some of the hottest areas to invest in terms of commercial real estate include North Texas, Naples, Fla. and Tucson, Ariz. A growing number of commercial real estate investors are not just purchasing office complexes to rent out to tenants. Many tenants would rather own their own office suite rather than rent it out.

Finally, it?s a wise idea to invest in commercial real estate in areas where professionals can live close to their office. Many new subdivisions or master-planned communities are being built right next door to commercial real estate properties geared for the professional who wants an extremely short commute.

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Profit From Commercial Real Estate Investments

Property investors have now turned their attention towards the lucrative deals presented by the commercial properties. This sudden interest is the result of the option to diversify your property investment portfolio, along with a high income and tax breaks. However, it is advisable to conduct a research before taking the plunge.

Commercial properties include hotels, malls, medical centers, retail stores, business and industrial property. These are operated for a profit from rental income or capital gain. Some common commercial property types are:

- Apartments and multi family units: These are the first choice of investors. Apartment financing and management is very similar to that of residential properties.

- Mobile home parks: These can be a profitable investment option especially if you own the land and sell the mobile homes.

- Retail properties: More than one tenant occupies the premises and it is utilized for retail transactions.

- Offices: This category includes suburban garden offices, suburban high-rise offices, medical offices and central business district offices.

- Mixed use properties: These properties are a combination of all the above property types.

- Health care units: They include assisted living centers and congregate care centers and nursing homes.

- Hotels: The properties are categorized as either limited service or full service.

- Industrial premises: These properties can be used solely for industrial purposes.

- Self-storage units: The consumers use them for personal storage or for lease.

- Other specialties: These include oil change facilities and gas stations.

According to a reputed New York based real estate research firm, the price of apartment complexes rose by 26%, retail properties by 14%, industrial properties by 21% and office buildings by 6%, in 2004. Commercial property investment is very profitable but it is a complex business, as compared to investment in residential properties. There are number of factors that affect the property evaluation of commercial premises. It pays to study the market and tread cautiously.

Boom in commercial real estate property:

Commercial real estate includes, but is not limited to, properties used for educational, medical, commercial or industrial purpose. The properties are usable in business or trade and can be sold or bought in the real estate market. The improvement in the economy and growth in business ventures are responsible for the revival of commercial real estate. Another important reason has been the continuous flow of new investment capital. This capital is sourced from people who seek higher returns from large investments. The areas that come under the category of ?commercially profitable? carry a higher evaluation, as compared to other properties in developing areas. The rates for commercial real estate properties are calculated differently from the method adopted for residential properties.

The rental yields are better for commercial properties and the monthly cash flow is more than that of residential property investment, in the same area. The quoted expectation of returns depends on the kind of business that would be transacted on the premises. The profit from commercial real estate investments is definitely much higher than profit generated from investments in residential properties. Investment in commercial real estate is as lucrative as investments in stocks and bonds.

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Buy Property at Low Cost Finance on Commercial Real Estate Loan

Buying a property for commercial use requires huge funding. Even if one has enough sources to finance the project, one would like to save the money for further investments in the property and instead take a loan. Commercial real estate loan is especially meant for issuing a loan for buying a property for its commercial use.

Which property is mostly preferred by the lenders? Usually a property having the capacity to generate substantial income or the property having prospects of earning good income is preferred over any other property for offering commercial real estate loan. So before applying make sure the property you intend to buy has potential for assuring profits. Such a property makes commercial real estate loan taking a lot easier.

Commercial real estate loan requires a collateral as huge finance is at stake for the lender. Usually the property to be bought is placed as collateral. The deal papers of the commercial papers are taken in possession by the lender only to be returned when the loan is completely paid off. This means the borrower should always be cautious in timely repayment of loan installments as otherwise lender will repossess the property for recovering the loaned amount.

Lenders provide commercial real estate loan anywhere in the range of ?100000 to ?300000. Greater amount also can be availed depending on the type of the property and repayment capacity of the borrower. Because the loan is fully secured by the commercial property, lenders offer lower interest rate which can be further reduced on comparing different lenders.

There is a larger repayment term ranging from 10 to 30 years for commercial real estate loan. This larger duration enables in spreading the loan installments and monthly installments get reduced for the convenience of the borrower.

Make sure that you have taken into account the feasibility of the commercial property you intend to buy. You should keep your documents ready in case the lender asks for them. Also remember that the commercial property may take time to generate income. So by that time you must have enough money to pay off the loan installments as the loan would be used in buying the property. You may have to make a down payment of 20 percent of the commercial property value. Lender may ask you to give tax records of the commercial property for assuring that investment in the property is safe for the lender and for borrower as well. Bad credit is no impediment in offering commercial real estate loan as the loan is fully secured.

You should search for the suitable commercial real estate lender extensible on internet before settling for a loan deal. Look for the interest rate and apply to the lender offering lower rate. Online lenders process and approve the loan faster so prefer applying to them.

About the Author

Tim Kelly is an expert in finance having completed her LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University. To find Commercial real estate loan, Commercial small real estate loan, Commercial construction real estate loan, Refinance commercial real estate loan in UK that best site’s you need visit http://www.commercialrealestateloan.co.uk

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Insurance and Commercial Real Estate

One of the least considered, but perhaps most important aspects of successful real estate investment is insurance against losses. Even though the market for residential real estate has begun to cool, commercial real estate investment opportunities abound. Commercial properties have additional risks that need to be mitigated and in today?s litigious society, it is important for investors to take the steps necessary to protect themselves and their investments.

As the housing market begins to cool off, the investment risk of real estate has increased somewhat. Residential and commercial real estate investors can no longer rely on a continually increasing market to bail them out of mediocre or bad purchases. The only real insurance you have here is to study investment analysis further and to really check your market before committing funds to a transaction.

There are other risks in commercial real estate that you can mitigate through third party insurance policies. The most common form is title insurance. Most real estate professionals recommend that buyers obtain title insurance on any property they purchase and if a loan is involved, the lender will make it a condition of obtaining the loan. The purpose of title insurance is to protect the buyer in the event that problems are found with the title after the close. Even though all sales of real estate include a title search, it is a good idea for the buyer to purchase separate title insurance as an extra measure of protection against mistakes in the search. This extra insurance will help protect the buyer in the event of any undiscovered liens, disputes over property lines, or other matters affecting title.

Another common, but important form of insurance for investment property is liability insurance. This provides the investor protection from liability in the event an individual is injured while on the property. It is all too common for individual property owners to be sued for seemingly frivolous reasons, so it is vital for all property owners to carry a sufficient amount of liability insurance to protect themselves and their personal assets. It may also help to have your insurance professional ?walk? the property with you to point out potential hazards before they become law suits.

Hazard insurance provides protection in the event of damage from fire, accidents, theft, and vandalism. Depending upon where you live, you might want to look into adding protection from storms and natural disasters. All owners of real estate should have this insurance and again, if a loan is involved, the lender will require you to purchase it and name them as an additional insured.

Environmental insurance is a new form of risk management that is gaining in popularity with lenders. Instead of performing Phase 1 and Phase 2 environmental studies, more lenders are opting for insurance against this type of loss. Because lender liability is limited in current law, the focus is on paying the outstanding loan balance or the cost of clean up, whichever is less. A word of caution here: Make the lender get the insurance (you?ll still have to pay for it) ? it?s not your job to understand the intricacies of environmental pollution and its risks.

In addition to these basic forms of real estate insurance there are other types of coverage that you may wish to consider. For instance, those properties located in or near flood zones may wish to purchase flood insurance, while those in earthquake prone regions may want to consider the purchase of additional earthquake insurance. And in the wake of 9/11, there is even the opportunity to purchase terrorism insurance!

In the final analysis, each real estate investor has to look at his or her own level of risk tolerance and what might actually affect the real estate investment. From there, with the help of an experienced commercial hazard insurance broker, you can then purchase the right mix of insurance needed to adequately address and mitigate those risks.

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Simi Valley Ca Real Estate

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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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The study provides evidence showing that the development and spread of market tools for financing owneroccupied housing depended especially on the establishment of macroeconomic stability, while the state housing policy also played a role mobile home financing the crowding out effect of state subsidies, with increased state support for market tools of financing owneroccupied housing, along with the privatisation of the public housing stock. Property management companies and real estate agents can advise you on going rental rates and the number of weeks mobile home financing can expect to rent the property. The teller then mobile home financing carefully count cash to avoid errors. FINANCING IRS cracks down on deductibles Charity begins at home, goes an old adage, but theres been considerable controversy lately about charity and home sales.

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In todays loan market, mobile home financing have a variety of programs to choose fromfixedrate, adjustable rate, FHA, VA, special loans for teachersthe list goes on and on.In todays loan market, mobile home financing have a variety of programs to choose private real estate loans fromfixedrate, adjustable rate, FHA, VA, special loans for teachersthe list goes on and on. Describe your approachmethodology and define your rationale for the proposed approach.

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Guide to Commercial La Grange real estate investments

The recognition of La Grange Real estate auctions, real estate properties is growing at a fast rate in the USA. Both money-making and residential real estate property are easily available these days to upper and middle class people as well. It is no longer required to maintain hefty bank balances to be able to bid on the real estate properties.

Real estate properties in LA, MO are a thriving business and have become very popular. La grange real estate is one of the most sought after properties. Similarly, LA Grange MO Real Estate, LA Grange TN Real Estate and LA Grange Park Real Estate are other properties that you could take a look at before making a decision.

Buying property in La Grange has become very common in the past few years and moreover, people are more than willing to invest in real estate as a way to cash in on the LA Grange real estate housing market. One may be surprised to know, within three months two most popular areas of la grange - grange la nc and grange la have sold up more than 700 homes and apartments! Within these two popular areas of la grange, over 57 % and 42% of the homes were sold as it relates to lot of flipping in the last two years which has combined for 99% of those two real estate markets in la grange housing sales.

There is major problem associated with the La Grange Real Estate investors, they lack the knowledge and the information and do not understand the pitfalls associated with La Grange real estate exchanges. Many estate grange la park real estate investors get caught up in buying small family homes, then reselling them for a profit. Some of the best real estate agents can help you out to make your deal more profitable and guide you sincerely all through the deal.

The main reason that people do not invest in commercial real estate is because they think that they do not have the necessary skills to do so, but there is nothing to worry if you have the support of some of the best brokers in the market. La Grange Texas Real Estate is another most flourishing market for real estate investors and brokers. It would be unwise to get in the flow, rather carefully choose your property before you decide. But when it comes down to it, investing in commercial real estate is pretty much the same as single family homes. Sure, there are a few details that are a bit different, but all in all everything works out the same in the end.

La grange il real estate, real estate la grange ca and la grange ky real estate are some other places for investors. Check out all the resources for real estate brokers, agents and properties on www.lagrangerealestate.ixzc.com

About the Author

Randell Rogfend is a father of three children who has had a long and fulfilling writing career. His passion is writing and he has contributed to countless newspapers, magazines and books. www.lagrangerealestate.ixzc.com The following site is his collection of articles about his latest interest: www.lagrangerealestate.ixzc.com/La_grange_texas_real_estate

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Commercial Real Estate Loan Strategies - The Value of Using Stated Income

The use of “Stated Income” (no tax returns and no income verification) commercial loans is a critical strategy to avoid several commercial mortgage loan problems. For example, many borrowers will simply not qualify for a commercial real estate loan if tax returns are used due to high business expenses (and low net income). This article will describe what differentiates a Stated Income business loan from a conventional or traditional business loan.

Very few traditional banks use Stated Income for a commercial real estate loan. Many/most commercial lenders will perform a thorough income verification as part of their underwriting process. Most non-traditional commercial lenders do not require tax returns or any income verification for a Stated Income commercial loan. Traditional bank commercial loan underwriting conditions will typically include copies of tax returns as well as a requirement to sign IRS Form 4506 which authorizes the lender to obtain tax returns directly from the IRS. Some lenders require this form in addition to current tax returns. The more devious use of this form is when lenders make a point of not requiring tax returns but separately ask the commercial borrower to sign this form. The most common explanation in asking for this form will involve the words “routine request”. This will usually occur just before the final closing and be further characterized as “one final small detail”. In reality IRS Form 4506 is neither “routine” nor a “small detail”. The use of this form is a lending practice that can have a potentially detrimental impact on a commercial borrower’s financial interests. In contrast, for most non-traditional commercial lenders, IRS Form 4506 is not required for their Stated Income business loans.

The value of using Stated Income does not end when the commercial loan closes. Many/most traditional banks require income verification/audits even after the commercial real estate loan closes. Most commercial borrowers won’t believe this until it happens, but many traditional commercial loans will have covenants stipulating that the lender must receive financial data even after the loan closing and that the loan can be recalled (forcing the commercial borrower to pay the bank back early) if the audit of this data is not satisfactory to the lender. Most non-traditional commercial lenders do not verify income either before or after the Stated Income commercial loan closes.

I have prepared a Special Report entitled “The Top 5 Reasons that Banks Decline Business Loan Applications and the Top 5 Strategies for Converting a Declined Loan into an Approved Loan”. One of those five reasons is that loan underwriters find something on a tax return that disqualifies a borrower under the bank’s lending guidelines. This “something” will frequently be insufficient net income, but when loan underwriters look at tax returns, there are many other possibilities which produce a similar result. If the commercial borrower is applying for a Stated Income business loan, this situation will not occur because tax returns will not be included in the commercial loan underwriting process.

Many commercial borrowers should be interested in strategies for preventing a lender from obtaining their tax returns directly from the IRS or preventing a lender from forcing a long-term loan to be repaid early. Stated Income commercial real estate loans provide a viable commercial financing strategy to alleviate concerns about these issues. Stated Income business loans are no longer just a strategy to help a commercial borrower that could not obtain a commercial loan any other way. Stated Income commercial loans are now increasingly viewed as a a vital method to protect the commercial real estate borrower’s overall financial interests, both before and after the loan has closed.

Copyright 2005-2006 AEX Commercial Financing Group, LLC. All Rights Reserved.

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Quick Turning vs Speculation in Commercial Real Estate

Understanding how specific investment strategies can affect your entire commercial real estate process. A popular topic of commercial real estate is what is known as quick turning. The media has caught on to this phenomenon and generalized it. Many of the things you may have heard about quick turning are not as simple as they make them look. The general public has confused the arena of quick turning to include simple speculation. While the differences may not be apparent at first, if we delve deeper, there are several key variations.

The first way to look at speculating is that it is performed by the absolute amateurs in real estate. This is not what an experienced commercial property investor would ever do. Now, I?m not going to say that a speculator can not make any money, because they sometimes do. However, if they do, their success is more related to luck than anything. Their success depends on which market that they invest in and the timing in which they invest. Making money to the speculator is much more a game of chance than the expert investor.

The media as a whole has made the quick turning professional look like someone who is simply shooting in the dark. They make them appear to be rolling the dice and hoping for the best. In reality, this is simply not the case. Quick turning is almost a scientific process. There are specific criteria that must be met in order to succeed. If the criteria are not in place, the deal doesn?t happen. With the speculator, they very well could make a bad deal. They may not follow the same set of strict criteria that the quick turner does. It is important not to group these two very different investors together. The big difference is that speculation works in some markets at certain times of the year. Quick turning will work in any market and at any time. There are systems in place that ensure their success.

Quick turning strongly relies on fundamentals. This is why it is successful in every market. You can?t simply buy a great property in an appreciating market and hope that it will go up in value. In order to succeed in quick turning, you must find undervalued properties. This is the absolutely critical first step in any quick turn deal. You figure in the profit from the beginning. This is before you even purchase the property. The ARV (after repaired value) is assessed before you buy the property. The repair costs are also estimated beforehand. This will help to control the costs throughout the process. With these estimates in hand, a wise financial decision can be made. There is really no guesswork involved. After these estimates are made, if the profit isn?t high enough, you move on to the next property. Don?t even get involved. The speculator, on the other hand, may decide to try it anyway.

The experienced investor will take the undervalued property and improve it considerably. They will do their research and determine which repairs are the most profitable. Don?t sink your money into repairs and upgrades that will not improve the overall value of the house. Try to add a few ?sizzle? features along the way. This will help the appearance of the property. The property will be presented in an attractive manner, once it is ready for the market. These factors make it more difficult to find a good deal in an active market. You can?t just settle for any property. This is why you will have to be patient in certain markets. The property you need will eventually surface. Just don?t rush into a deal under any circumstances. Make sure that the property is priced below market value. As many investors know, the money is made when the property is purchased, not when it is sold. Keep this truth in mind while looking for viable investment properties.

After a quick turn has been performed, there are several exit strategies available to the investor. Each one can be effective in different circumstances and markets. Some investors will simply flip the title to another investor quickly and make a modest profit. This is usually the fastest way to get in and get out. However, this is usually the least profitable in the long run.

Another option is to wait and sell the property at full retail value. If you are patient and don?t mind hanging on to the property for awhile, this is a good option. You managed to take a run-down property and get it back up to par. Therefore, a buyer should be willing to pay full price for it. It is no longer an undervalued property. This will usually provide more profit that the first option, although you do have to hold onto it longer. You also will have to go through the trouble of putting it on the market. Sometimes, this can take more time than you want to get results. If you choose this approach, be patient and you will be rewarded.

The last common strategy is to simply hold the property and rent it out. Sometimes, investors get forced into this strategy by necessity. If a quick turn deal goes south, you can always rent the property out in the meantime. This can create a great cash flow for you. While you may not have been planning on being a landlord, it can pay off nicely. Another benefit of this approach is that the longer you hold the property, the more appreciation will be working for you. You can get the rent money and when you do sell, the property may be worth even more. If you need to, refinancing is also a good option in this case. You can rehab the property and then get the money out through refinance.

Quick turning is a great way to profit in commercial real estate. Just don?t confuse it with general speculation. Quick turning will work in every market. Stick to the guidelines that you set upfront and do your research. You really can?t go wrong.

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Tampa Commercial Real Estate 2006

Home to attractions such as Busch Gardens, Tampa is a picturesque, tropical city that derives much of its local revenue from entertainment and tourism. Art, history, and recreation are all very important aspects of Tampa. With the wide variety of culture options it presents as well as the diversity of recreational facilities in the Tampa area, not to mention the sunny environment, scenic beaches and a suitable atmosphere for playing golf. Tampa, Florida is a very compelling place to relocate a business into. Generally, the economy of Tampa is on a steady expansion and its growth is spurred by the prevalence of corporate centers which have relocated into the area. For every investor who is planning to close a good business deal in Tampa, the high-quality and rich life are available for your convenience. Tampa commercial real estate features with the display of a wide range of property types to choose from, which makes Tampa a top choice.

For investors, purchasing a Tampa commercial real estate property is not for the faint hearted. A hefty number of wealthy entrepreneurs wonder about how they can strike a great deal on leasing rates for their office or commercial establishments particularly in Tampa commercial real estate. Some think that the place has evolved into one of the most expensive locations for commercial spaces and office sites. On the contrary, the Tampa commercial real estate market actually offers the most affordable commercial lots and properties in the United States. Tampa commercial real estate property owners of could even demand on high prices for office rents because all the amenities are provided for in site where the building was developed.

Realtors agree that the Tampa commercial real estate market is still very much a competitive selling market not only because of an exceptional market that allures relocation but also because of low interest rates. Moreover, the buildings are robust and stable, and will continue to be in the next few years. New project developments are always on the rise and have become a normal part of Tampa commercial real estate life.

Research studies have also shown that the number of Class A office establishments has been growing in Tampa commercial real estate commercial market. The momentum of this real estate market shows no signs of slowing down.

For a new business commercial investor, searching for Tampa commercial real estate for sale is pretty much the same process as finding residential real estates. Often there are separate listings, but most of the things you learned about buying residential real estate apply straightforwardly to commercial real estate as well.

Tampa commercial real estate listings are usually available for your viewing on the Internet or through real estate companies. Real estate agents can guide you through the listings and constrain your search to a few ideal properties that suit your needs, thus saving you wasted time and effort of looking through commercial real estate properties you would never buy.

It is also important for you to have a considerable background on real estate markets as well. For those who are planning to buy a Tampa commercial real estate property, chances are that you have a premeditated purpose in mind. This allows you to identify whole set of parameters that you will be assessing for, such as the size, shape and site of the property. Preparing a detailed portfolio of your needs and wants in your ideal property will also facilitate the agent in finding the most appropriate commercial real estate that you need.

First, you should contact a local real estate agent. Many agents specialize in specific fields. Finding one that works mainly in commercial real estate can be of benefit to you. It?s also important to find an agent who knows the area and local real estate market. Don?t be afraid to do research yourself, as the more you know about the local scene the easier it will be to spot someone who isn?t as knowledgeable. You may also want to ask for a list of references. Experienced agents will eagerly provide you with a list of past jobs and experiences. The intimate details of a particular property can be the difference between a sure buy and a disaster, so the more knowledgeable your agent, the better off you?ll be.

Location is the most important thing when looking at a given property. This is one place where commercial real estate differs greatly from residential real estate, as you?ll want a property with proximity to very different things. There are hundreds of things to consider; note how close your property is to the following areas:

? Highways

? Metropolitan areas

? Similar commercial ventures

? Residential areas

? High population zones

? Popular commercial ventures that can help you get more business, such as theme parks, zoos, monuments or other local attractions

Of course, remember the effect of negative neighbors as well as positive ones. According to your particular target population, a property may have more or less value depending on its neighbors.

Because of this, if you?re looking through Tampa commercial real estate for sale and trying to find the property for you, make sure you contact a local real estate agent. Going to the real estate yourself can also be one of your most valuable sources for information, so be prepared to spend time viewing potential properties.

Real Estate For Sale In Jacksonville

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 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 Property Options Online

By Kristi Ambrose

 So you want to buy a home?!? Great! But you don’t want to do all the work it takes to find a place. Well that’s okay too because there are many sites online that offer a service called Real Estate Consulting or Real Estate Agents. Usually the deal here is, you tell the Consulting team what type of property your looking for, as well as the different options you want, and they will search out the home for you.

For example say I want a home in Dallas Texas, that has 5 bedrooms 4 bathrooms, is located off on its own away from all the hustle and bustle, and is around $250k. Well the consulting team searches online and offline to find the right home for you, then they present these homes to you and you can either “OK” them for a viewing or you can “decline” and have them find some other homes for you. It really is that easy. And since you hired them to find your new home, don’t worry about not liking what they found for you. This is what they do for a living so don’t worry about “hurt feelings” or negative feelings of any sort. Just ask them, and they will happily find more homes for you that are more your style.

A Real Estate Consultant is a type of real estate agent. They either directly or indirectly give advice, consultancy or technical assistance. In this case, they would be giving consultancy and advice to you. Some of these consultants are free, and others charge fees. If they have a website be sure to check out the FAQ section or the Terms Of Service (TOS) section. Or just ask them directly. Either way, the fees of a consultant team or firm should be less than that of a Real Estate Agent! If not then you need to look somewhere else. As with Real Estate Agents, you need to find a team or person that you can meld with easily. Someone that is willing to work with you and find you what YOU want, not what they think you want! But you the buyer, also has to be open to “suggestions.” You never know what might happen or what little gem you might find by being a little open to places that you wouldn’t normally look at!

I had this happen a few years ago. I was absolutely set on a certain location and a certain type of home and I didn’t feel the need to be open to anything. I guess I was a little selfish. My Agent kept asking me to check out this one property in particular and I just wouldn’t budge. Finally I said okay fine, show me what you got. Can I say I think it was the most beautiful location I ever thought possible. But by the time I finally stopped being pig headed, someone else had already scooped it up. And that’s about the time my agent gave me the “look.” The “see I know what I’m talking about” look! Put some trust into your agent or consultant, they know what they are doing!Just like you do your job for a living to make money, they do their job for a living to make money. Don’t second guess them!

If your searching for sites that specialize in real estate or properties in Dallas Texas or any other state or city for that matter here are a few places you can look online to find whatever it is your looking for, have it be a new home, undeveloped home, rental home or whatever else:

BuyandSellDallas

Bigdfsbo

InTownDallas

DallasNorthProperties

RealtorsBlvd

HomeGain

You can also search on several other sites that offer options for country wide homes with in any state or any city that you either already live or are thinking about moving to. These websites offer different options so that you can find the exact home your looking for. Things like prices, locales, bedrooms, bathrooms, size of space, etc. Some of the locations offered within these sites for Texas are Dallas, Ft Worth, Gaylord, and much more!

This author is a huge fan of LicensedBrokers.com a real estate, insurance and mortgage website that features property listings and local mortgage and insurance brokers.

Commercial Real Estate Guide - Earn More With Commercial Real Estate

Commercial Real Estate refers to the property that has potential to generate extra income for the owner of real estate. Commercial real estate generally includes office buildings, retail properties, apartment units, condos and raw land. Every property that can produce revenue for the owner is known as commercial real estate. It doesn?t include habitable real estate like houses or apartment buildings.

In 21st century, large number of people is generating income with commercial real estate. Commercial real estate business is based on certain principles. These principles are generally same for property owner, developer as well as for commercial real estate agent. Commercial real estate agent helps you to identify the best features of commercial real estate agent. Real estate agent enables you to make a finest deal of commercial real estate. Commercial estate agent is helpful to both buyers as well as tenants.

You should choose best commercial real estate as per your requirements. Choose your property at best location that has great future. Commercial real estate at good location will offer more benefits in the coming days. You?ve to choose finest piece of land that you can use efficiently. You may select commercial real estate nearby high traffic areas that can be easily used for full-service restaurants, hotels, stores or other shopping malls.

Investment in commercial real estate business is the best way to get more revenues. Always keep in mind that a right time investment is the best opportunity to earn more profits. You should consult financial advisors that will provide help to find the best commercial real estate. Investment in commercial real estate is good for large as well as small-scale businessmen.

Buyers should check the reputation of commercial real estate provider. Before any type of agreement or purchase, they should check rate, terms & conditions, and other essential aspects of commercial real estate for the best deal.

About the Author: Author presents a website on Commercial Real Estate http://www.gmcommercialrealestate.com/. It provides useful information on commercial real estate. Also offers some useful tips to buy commercial real estate on cheap rates. You can also visit his site http://www.cheaprealestateinvestingguide.info/