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Commercial Property For Sale In Louisiana-Lease Agreements
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Home Page > Finance > Real Estate > Commercial Property For Sale In Louisiana-Lease Agreements
Commercial Property For Sale In Louisiana-Lease Agreements
Posted: Sep 05, 2010 |Comments: 0
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I will present one option and give you some details on how to accomplish some special financing for your new commercial property. In today’s unfriendly lending environment especially for commercial lending one good option is owner financing. If you have exhausted all your financing options with commercial banks and lending institutions you can try asking the owner to do what’s called owner finance and do a commercial lease or maybe even a lease purchase to accomplish two things, you get your property and the seller makes his sale and gets a good rate of return on the interest rate.
When you are in contract negotiations you can ask for and in today’s market many times get owner financing of many types of properties but sometimes with commercial properties it might be the owners’ only option to get his property sold. This is the most unfriendly lending market and environment there has been in at least the last 25-30 years making it very difficult to sale recreational land and even worse commercial property. When you have secured your owner financing some things to keep in mind are the terms of a lease agreement.
I will mention all the specific terms you need to keep in mind but to keep this article from going to long I will only go into detail on the more important issues you will want to key on. This is a list of the terms, term and rent, use, care and maintenance, alterations, ordinances and status, assignment and subletting, entry and inspection, possession, indemnification of lessor, eminent domain, destruction of premises, lessor’s remedies on default, security deposit, tax increase, common area expenses, notices, heirs assigns successors, option to purchase, and subordination.
I will now walk you through the most important of these terms. If you are the seller let me take you through one you better pay close attention to, option to purchase. Before you do an option to purchase with anyone you better pay what ever it takes to do a thorough back ground search on your buyer and I mean all the way to birth. One thing to keep in mind once you do a lease with option to purchase and your new tenant moves in if he does not perform it is a legal nightmare to get rid of them without much of an attorney they could cost you a year to remove them from your property I have seen it take this long. If you have a tenant make sure to put the burden of insurance on them this is one more tool you can use if you need to evict them.
This is just an outline of terms you will need to use in a commercial lease if you are looking for commercial property for sale in Louisiana but very important ones I will assure you. Commercial property, a commercial lease and owner financing of commercial property for sale is a more common occurrence today than in years past.
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Chuck Magee has been in the real estate business for two decades and has launched land for sale websites like http://www.alabamalandsource.com, http://louisianalandsource.com, and http://mississippi-landsource.com.
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Do lease agreements have to be notarized?
A business purchase agreement had a clause that required us to assume a lease. We found out that the co is not going to be able to renew the lease so the agreement is now void. Can they do that?
I have a 99yr lease on a commercial warehouse that the city is putting up for tax lien auction What happens to my lease.? does the tax lien holder have to assume that lease? Even if foreclosed later
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Article Tags:
commercial property for sale in louisisna, land, first south farm credit, financing
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Chuck Magee has been in the real estate business for two decades and has launched land for sale websites like http://www.alabamalandsource.com, http://louisianalandsource.com, and http://mississippi-landsource.com.
Nationwide Capital Group, Corp. has the experience and expertise needed to provide you with the commercial real estate loan that best fits your organizations commercial capital needs. Contact Anthony Tomasso to discuss your Commercial Lending Requirements. Visit – nat-cc.com for more information
Commercial Bank Financing And Small Business Debt Reductions
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Home Page > Finance > Commercial Bank Financing And Small Business Debt Reductions
Commercial Bank Financing And Small Business Debt Reductions
Posted: Feb 02, 2010 |Comments: 0
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Because of serious deficiencies with commercial banking services for small business owners, a prudent and logical response for business borrowers is to investigate the viable options for reducing their dependency on commercial debt and small business bank financing. A growing number of business owners are seeking business consulting advice about how to reduce commercial bank financing and small business debt.
In most cases, small business owners are not openly seeking a commercial lending struggle with their bank. It is a practical outcome to the increasing inability of banks and other business lenders to provide adequate amounts of working capital financing and business loans. It seems likely that most business owners have probably viewed their business banking relationships on a loyal and friendly basis over the years. Now as with many other business practices, massive changes are literally forcing small businesses to examine and revise their business financing strategies.
Evaluating whether there are realistic alternatives to replace their current bank financing and commercial debt would be one possible outcome for business borrowers. Refinancing business debt with a new commercial lending source would be a normal and practical result. For one example, exploring business financing options to obtain working capital financing elsewhere would be smart for a small business with a commercial line of credit that is about to be eliminated or reduced (as is now happening on a widespread basis).
It will be wise to explore small business finance alternatives even in situations where business owners are not being forced to acquire a new source for their commercial loans immediately. Very little notice has been provided to impacted commercial borrowers in most recent examples of banks which have revoked existing small business loans.
Small business owners analyzing whether it is feasible to permanently reduce commercial debt and small business bank financing is another effective business financing option. A focus on reducing overall business debt rather than merely finding a new home for small business loans would be the result of commercial borrowers pursuing this approach. This strategy permanently decreases interest expenses for the business when executed successfully. It will probably also improve credit ratings for the business and the business owners, and this can improve interest rates on whatever amount of business financing might still be needed.
The strategy of permanently reducing business debt is one which is likely to grow in popularity for commercial borrowers. There is a refreshing trend among individuals as well as businesses to stop using the services of companies which mistreat their customers on an ongoing basis. A casual review of any number of publications reveals that this kind of mistreatment is rampant among banks lending to small businesses. Since this disturbing trend is especially evident among larger banks, one small business financing option that deserves to be thoroughly evaluated is whether it is feasible to simply find a better and friendlier (and more effective) commercial lender. To the extent that many small businesses find that they still need some bank financing, certainly it seems that a worthy goal would be ensure that they find a good (effective) bank to replace a bad (ineffective) bank.
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Stephen Bush has provided candid advice to business owners for 30 years and is a working capital loans expert. AEX Commercial Financing Group offers small business financing and commercial real estate loans
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A business credit card debt was reported in my Personal Credit report as a O-9 (COLLECTION).Can a business debt that was open under my EIN be reported in my personal credit report? How can I remove it
How many commercial banks are in nigeria ?
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Article Tags:
small business debt, commercial debt, small business, working capital, finance, lenders, lending, debt
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Stephen Bush has provided candid advice to business owners for 30 years and is a working capital loans expert. AEX Commercial Financing Group offers small business financing and commercial real estate loans
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Home Page > Finance > Real Estate > Commercial Real Estate Financing in Canada
Commercial Real Estate Financing in Canada
Posted: Aug 21, 2010 |Comments: 0
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This article will discuss the topic of financing commercial investments in Ottawa. Please be aware that financing regulations change and this information is current as of today and subject to change based on new mortgage lending laws of the future. We have many clients who come to us interested in their dream commercial property. This can be a large multi-unit in Ottawa’s downtown or an office plaza for their thriving business. Whatever the situation, financing is a critical element of the equation to making the transaction happen. Many believe that the commercial lending system is similar to the residential system – relatively straightforward with little or no money down if required as an option. The truth is that when you enter the Ottawa commercial real estate realm you enter a world of tighter requirements for approval. No longer is your income relevant but rather it is all about the property, your credit score, and your experience. Many investors ask us, “At what point does a property get classified as commercial?” and the answer is that anything over 4 units is classified as commercial even if you are living in it. This means that you cannot finance any property over 4 units as if you were buying a residential property. Which also means a standard 5-20 % down payment does not apply. A typical commercial down payment can range from 20-30% down depending on your financial strength. This can be a major obstacle for investors looking to tap into the Ottawa commercial real estate market. The property also dictates the market that one can purchase for, meaning that banks send sophisticated analysts to appraise the property and use that number to factor in the financing.
The Property:
Whether you make very little personally or a six figure salary – when it comes to commercial financing this is irrelevant. Commercial real estate tends to be more expensive. Banks cannot rely on the personal income of the prospective lender as few people earn enough to cover the loan on a multi-million dollar investment. Thus banks use more in depth methods to qualify the investor and gauge their risk. The first consideration is always the individual. Secondly, the bank will take the property and analyze its condition, cash flow, cap rate, and run the numbers before it even considers financing for it. One must always be aware that the property is the main focus in commercial real estate and the numbers have to match in order for banks to approve. The operational efficiency of your unit and it’s earning potential are important elements if you’re an investor who plans on refinancing your existing property portfolio for the acquisition of further real estate. We touch on this at the pre-purchase phase when considering buying a property Literally keeping your house in order is always wise, especially, if you’re considering growing your portfolio and looking at larger commercial real estate.
Your Credit Score:
This goes without saying – if you have bad credit history then the banks will simply not lend to you. We use a general rule of thumb that you must have a minimum of 640 as your FICO score in order to qualify. Anything under this number will prove difficult when attempting to borrow. Your credit score will also dictate what interest rate you get. Higher scores receive better interest rates and borrowers have options if you’re considered credit worthy. Lower credit scores receive less competitive rates, and in some cases, higher interest rates than standard.
Your Experience:
Banks are in the business of lending to qualified investors; this means if a person comes forth with a large sum of cash and wants to buy a 55 unit building, they do not just give the money away. If the candidate does not have the previous experience in the commercial real estate sphere then banks will be reluctant to loan the money. Experience counts. It’s comparable to the loan on a start up business. The lender is seeking as much of an assurance of successful repayment of the loan with interest as possible. The belief is that if a new person with no experience purchases the large commercial real estate then there is a higher chance that they will fail when compared to an investor with many commercial units and lots of experience. We advise our new investors to consider larger properties at the beginning of their investment careers in an effort to enhance experience and portfolio value.
All these three factors come together to create the commercial mortgage and we work
very carefully to provide investors a big picture perspective prior to engagement so that our clients know
what they are getting into. Unlike many commercial real estate brokerages, we provide full service that
includes financing. This means the real estate agent knows at what phase the mortgage process is in and
therefore can act accordingly without the back and forth of an external mortgage agent. Furthermore
because we are a licensed mortgage firm we can get you the best rate, make it easy, and we work hard
to ensure you are approved. The commercial real estate mortgage process can take months; therefore
one small mistake can kill the deal. This is why it is critical to have an in-house team working together seamlessly through all of the stages of the property purchase process to
ensure that nothing falls through and that you get that dream commercial property you’ve always considered.
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Phillip Mosely –
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Phillip Mosely is the Communications Manager and one of the associate brokers with Synercapital Real Estate Services, Inc. Synercapital specializes in investment and income property sales in the Ottawa, Ontario, Canada region. Synercapital also specializes in residential home sales and commercial leasing, Visit us at http://www.synercapital.ca
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Which is best investment in India – Real Estate, Gold or Mutual Funds and why?
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Article Tags:
commercial real estate financing, financing an income property, commerical financing
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Commercial Refinance Mortgage Commercial Loans: What You Should Know
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Home Page > Finance > Commercial Refinance Mortgage Commercial Loans: What You Should Know
Commercial Refinance Mortgage Commercial Loans: What You Should Know
Posted: Sep 23, 2010 |Comments: 0
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A loan is a kind of lending product that an individual requires from a fiscal organization in order to fulfill his / her economic needs. In return, the user is liable to pay interest along with the total amount that he / she obtained in the form of loan. There are various kinds of loans offered to people depending upon their needs. Commercial loans are one kind of these financial products.
A commercial loan, just like the name suggests, is given to a person to fulfill his / her commercial requirements. The commercial requirements may be to fulfill an order, send a consignment, purchasing raw material or new machinery and the like.
Therefore, the main reason for getting a business loan is very different from other financial products in the way that it is intended to generate income. The funds received through commercial loan can be used for manufacturing or producing or for any other business needs. The amount offered in this kind of loan is usually larger than any personal loan.
Features of Commercial Loans
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Just like it has been mentioned earlier, people take commercial loans to produce income Big business houses take commercial loans from banks to fulfill their production needs, or to complete a tender or for some other requirement of the company. The most common purposes of commercial loans include:
· Commercial loans are not considered for the purpose of domestic consumption.
· Banks offer commercial loans only to the business class men and women.
· Banks provide these loans for professional purposes at an interest rate that is lower in comparison to other types of loans.
· The time given to the borrower to repay the loan is usually lesser than other loans.
· The amount of money offered in commercial mortgages is always higher in comparison to other private loans.
Therefore, it can be said that commercial loans are the cheapest kind of lending product in the financial market as compared to any other borrowing product.
Requirements for Getting Commercial lending products
There are some specific requirements for getting a commercial loan approved from a financial institution. These are:
You have to clearly define your investment plans to the financial institution for which you are requesting the loan. You will have to get your material, goods or machinery insured by a reputed insurance company in order to ensure the repayment of loans amount to the lender in the event of an accident, fire or any other mishap. You will also have to present the details of the company you are dealing with, and the way in which you will use the loan amount, as well as any other information that the lending company might require.
Maintaining the accounts of the company is also essential, particular before and after having the loan sanctioned to you. Doing all the above mentioned steps is essential to have a commercial loan sanctioned.
To wrap up, draw the benefits of commercial loans in meeting your business needs and paying back in easy installments.
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To uncover additional advice or to book a free consultation please click this link: <br /><a rel=”nofollow” onclick=”javascript:_gaq.push([‘_trackPageview’, ‘/outgoing/article_exit_link/3326581′]);” href=”http://www.commercial-refinance.org/commercial-loan-workout.htm”>Commercial Loan Workout Specialist </a>
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Since I am not and have never been late on a payment, my mortgage holders will not discuss modifying my loans. My income will continue to decrease. How can I be procative about getting some releif?
Our loan was modified and it was only about $160 less than our mortgage and the term is extended to 40 yrs we took it anyways as we were desperate that time, but can we still apply for refinance this
I’m in the process of a foreclosure, and I have a 1st & 2nd loan with the same bank. I know the 1st loan qualifies for the mortgage forgiveness act? What about the 2nd loan? I live in California
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Article Tags:
Commercial Refinance, Commercial Mortgage Refinance, Commercial Refinance Mortgage, Commercial Loan
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