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Commercial Mortgage Articles

 

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Understanding the DSCR or Debt Service Coverage Ratio in Commercial Mortgage Lending
RUBS is a customized system for allocating utility costs to residents for most utilities, including: water, sewer, electric, trash and gas.
A Crefcoa Article Read Complete Article
 

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How a RUBS System Can Lower a Property's Utility Expense
When underwriting a commercial real estate loan, one of the most important factors used to determine the approvability of a commercial mortgage request is the DSCR, commonly referred to as the debt service.
A Crefcoa Article Read Complete Article
 

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What is a Land Use Restrictive Agreement
A Land Use Restrictive Agreement (LURA) subjects the multifamily real estate to a land use restriction agreement (LURA), in which the owner gives up some of their rights of the land use in exchange for the promise of future tax credits.
A Crefcoa Article Read Complete Article
 

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Learn How Calculate the Debt Service Coverage Ratio
The debt service coverage ratio is one of the least understood underwriting requirements for new and even seasoned commercial real estate investors. Briefly, the debt service coverage ration simply compares the subject property's net operating income to the proposed mortgage debt service (on an annual basis).
A Crefcoa Article Read Complete Article
 

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Learn How to Quickly Determine the Value of a Commercial Property Using the GRM - Gross Rent Multiplier - Ratio
Commercial appraisals are expensive, often exceeding $2,500. Luckily, there are a few basic ratios that can be used to help you get a good idea of the value of an income producing commercial property.
A Crefcoa Article Read Complete Article
 

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Non-Recourse Commercial Loans and Standard Carveouts
Non-recourse loans have exceptions within the loan documents that essentially transfer personal liability to the Sponsor for certain "bad boy" behaviors. Or more specifically, there are personal guarantees required with non-recourse loans.
A Crefcoa Article Read Complete Article
 

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Conduit Lending Overview
Conduit loans have been around since the late 1990s and are somewhat unfamiliar to most commercial real estate investors.
A Crefcoa Article Read Complete Article
 

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Cap Rates at Historically Low Levels for Apartment Buildings
Q1 2016 cap rates for apartments hit historically low levels during the first quarter of 2016. The mean cap rate dropped 40 basis points to 5.6% in Q1. Not only is this a record low, it's the first time cap rates for multifamily have dipped below 6%.
A Crefcoa Article 2016-06-14 Read Complete Article
 

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Q2 2104 Commercial and Multifamily Delinquency Rates Continue to Decline
Delinquency rates for commercial and multifamily mortgage loans continued to decline in the second quarter of 2014, according to the Mortgage Bankers Association’s (MBA) Commercial/Multifamily Delinquency Report.
2014-09-30 Read Complete Article
 

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Treasury Bond Yields - Why Commercial Real Estate Loan Interest Rates Widened in May
Treasury (U.S. bonds) prices fell sharply in May sending yields skyrocketing marking the worst month since December 2010, as stronger than expected economic data caused worry the Federal Reserve might slow its bond purchases earlier than expected. Commercial and multifamily rates increase sharply as a result.
A Crefcoa Article, 2013-06-02 Read Complete Article
 

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HUD Section 232 Healthcare Queue Gets Some Relief
It wasn't long ago that the loan process for the popular HUD Section 232 Lean healthcare (assisted living, skilled nursing, hospital) program was suffering from what can only be referred to as a true 'bottleneck.'
A Crefcoa Article, 2013-05-22 Read Complete Article
 

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CAP Rates for Multifamily Properties Rise
Is your multifamily property worth what you think? CAP rates increase an average of 150 bps in major markets.
A Crefcoa Article, 2009-05-02 Read Complete Article
 

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Is Commercial Real Estate a Ticking Time Bomb?
Commercial real estate loan debt coming due in the next three to five years could could mean that as much as $200 billion in losses.
A Crefcoa Article, 2009-04-22 Read Complete Article
 

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Wells Fargo Commercial Market Update
A comprehensive summary of the past weeks news from the commercial real estate and commercial mortgage markets.
Wells Fargo Commercial, 2009-04-21 Read Complete Article
 

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Apartment Vacancies Increase While Rents Drop
The apartment and multifamily real estate sectors see vacancies increase, rents drop while CMBS delinquencies sky rocket.
A Crefcoa Article, 2009-04-17 Read Complete Article
 

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Commercial Real Estate Values Drop 20% Since Year End 2007
Refinancing Your commercial real estate loan could be difficult due to steep drops in value, greater than 20% since 4th Quarter 2007.
A Crefcoa Article, 2009-04-15 Read Complete Article
 

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CMBS Outlook: Conditions are Bad
CMBS Outlook Finds Conditions Are Bad and Getting Worse for Office, Retail and Hotel Sectors
By Mark Heschmeyer, CoStar Group
2009-04-08
Read Complete Article
 

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Bonds in 2009: Waiting by the Exits
Analysts say Treasurys may have a fast and furious decline this year when investors decide the time has come to test the stock market waters again.
By David Goldman, CNNMoney.com staff writer 2009-01-02 Read Complete Article
 

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MBA: Credit Markets and Economy Add Pressure to Commercial Mortgage Performance
Delinquency rates continued to tick up in the third quarter for most commercial/multifamily mortgage investor groups according the third quarter Commercial/Multifamily Delinquency Report from the Mortgage Bankers Association.
An MBA Article Published on 2008-12-09 Read Complete Article
 

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Fannie Mae and Freddie Mac: A Look Ahead
Multifamily mortgage finance has been shielded from the worst of the banking and mortgage meltdown. What's behind this phenomenon? Simply put, Fannie Mae and Freddie Mac.
A Multi-Housing Article Published 2008-12-04 Read Complete Article
 

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Close Your Commercial Loan With Fewer Headaches
Would you like to close your commercial real estate loan in a smooth and timely manner - with fewer headaches? Crefcoa's underwriters tell you how!
A Crefcoa Article Read Complete Article
 

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How to Close Your Commercial Loan or Apartment Loan in 30 Days
So you want to close your commercial loan or apartment loan fast, in under 30 days. Is it possible? It might be, but its really up to you, not necessarily the commercial lender.
A Crefcoa Article Read Complete Article
 

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Know What a Commercial Lender is Looking for Before You Apply for a Commercial Mortgage
Are you applying for a commercial real estate loan with Crefcoa, or any other commercial lender? Would you like to have your loan flow smoothly and close in a timely manner? We help prepare you through a little preparation.
A Crefcoa Article Read Complete Article
 

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Underwriting Commercial Loans - Learn the Basics

Learn the basics of underwriting commercial loans. Commercial mortgage lenders look at LTV, DSC, property quality and other information when underwriting a commercial real estate loan request.
A Crefcoa Article Read Complete Article
 

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Factors That Effect an Apartment Loan's Interest Rate
In this first installment of an article about the factors that effect the interest rate of an apartment loan or multifamily loan, we provides an overview of the different variables that impact the interest rate either positively or negatively.
A Crefcoa Article Read Complete Article
 

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Calculating a CAP Rate for Commercial Real Estate Financing
When applying for a commercial real estate loan in is helpful to have an idea what the value of your commercial income producing property is. The following is the method of calculating a CAP rate...
A Crefcoa Article Read Complete Article
 

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Commercial Lending Ratios Used by Commercial Lenders
When underwriting a commercial real estate loan, apartment loan, or conduit loan, there are 3 main ratios commercial lenders use to analyze the approvability of a commercial loan request. The three ratios are:
A Crefcoa Article Read Complete Article
 

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The 3 C's of Commercial Real Estate Loans
Most individuals have a general understanding of what it takes to qualify for a home loan, but few know what the basic requirements commercial lender's require for commercial real estate loan
A Crefcoa Article Read Complete Article
 

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Understanding Commercial Loans and Commercial Mortgages
A commercial mortgage document spells out how you must maintain the underlying collateral for a commercial real estate loan and the remedies available to the commercial lender should you default on the promissory note or fail to maintain the collateral in a satisfactory manner.
A Crefcoa Article Read Complete Article
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This article is protected under the copyright laws of the United States (title 17 U.S. Code). Any unauthorized use is strictly prohibited. If you would like to reprint this article for use on a commercial website, please contact Crefcoa for more information.

Crefcoa is a commercial real estate finance company and financial intermediary providing borrowers with a simplified way to obtain commercial financing and apartment financing through standardization and a product driven online platform.

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