8 questions you need to ask your commercial mortgage lender
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8 questions you need to ask your commercial mortgage lender

ByJ.D. Chiles

Financing terms refer to how long the loan will last, the loan-to-value ratio, and the amortization schedule. Ask the lender about the length of the loan and how it will affect your monthly payments. Additionally, inquire about the loan-to-value ratio, which is the amount of the loan compared to the property’s value. The lender’s loan-to-value ratio will determine how much money you can borrow, and it’s essential to know this information before applying for the loan.

Understanding Debt Yield in Real Estate
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Understanding Debt Yield in Real Estate

ByJ.D. Chiles

Debt yield is a key metric that lenders use to determine how long it would take to recoup losses in the case of borrower default. It is calculated by dividing the net operating income generated by a property by the total amount of debt used to purchase that property. This figure allows lenders to evaluate borrowers and make sure they’re reducing risk as much as possible.

Defer Capital Gains Tax on Real Estate Investments with Chiles Capital
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Defer Capital Gains Tax on Real Estate Investments with Chiles Capital

ByJ.D. Chiles

Capital gains tax can be a major expense for real estate investors when they sell a property. But, understanding the rules and taking the right steps can help investors minimize the tax burden. In this blog post, we’ll explain the basics of capital gains tax and how to avoid it when selling real estate investments….

Demystifying the DSCR Loan: What Business Owners Need to Know
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Demystifying the DSCR Loan: What Business Owners Need to Know

ByJ.D. Chiles

A DSCR loan also helps lenders to protect themselves from default. If the borrower’s income is sufficient to cover their debt service obligations, the lender can rest assured that their loan will be repaid. This helps mitigate the lender’s risk and allows them to offer more competitive loan terms to the borrower.