real estate investment loans

8 questions you need to ask your commercial mortgage lender

ByJ.D. Chiles April 8, 2023April 13, 2023

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.

Business | Real Estate

The 2023 Real Estate Investor’s Guide to Understanding Cap Rates

ByJ.D. Chiles February 28, 2023February 28, 2023

For real estate investors, understanding and calculating capitalization rates (cap rates) is a key metric for forecasting return on investment (ROI). But, for those new to real estate investing, the concept of cap rate can be a bit confusing.

Business | Real Estate

Understanding Debt Yield in Real Estate

ByJ.D. Chiles February 28, 2023February 28, 2023

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.

Business | Real Estate

Refinancing Your Hard Money Loan: What You Need To Know

ByJ.D. Chiles February 28, 2023February 28, 2023

A hard money loan is a type of mortgage loan. There is no universal agreement on why they are called “hard money” loans, so let’s discuss their common features. Hard money loans typically have short terms such as 12 to 24 months and higher fees and interest rates.