am currently looking for a cash loan for my company of ,000.00 to 40K secured by Commercial real estate! Contact me at 301-473-9041.

The company name is The Della Group, LLC. I own 1 gas station in Allegany, MD right on I-68 . I need the money for cash flow reasons & to purchase inventory. Please call me after 6PM Eastern time or email me anytime. Serious inquiries only. ..Please, only US lenders…No suggestions from Britian or Europe requesting my info.

Email -Mispola@yahoo.com

Thanks.

such as in buying commercial real estate, will it be able to act as in the passbook loan, as the property itself is pledged and it has a positive cash flow to carry the loan ?

Today on the news they were just telling us the American people what their plan was. Obama seems to be content with it so i dont know. But
i must say this doesn’t sound like what i thought he was trying to do.

Federal Deposit Insurance Corp. Chairman Sheila Bair said she expects her agency will finance as much as 0 billion in purchases of residential and commercial real estate loans.

okay so let me get this right.. The banks screwed us cause well their good talkers. Screwed themselves. We pay money we dont have. Alot of americans lost their homes due to greedy banks and people making us loose our job and our homes in forecloser. And now with our money they buy our homes with our money?

http://cosmos.bcst.yahoo.com/up/player/popup/?rn=3906861&cl=12618169&ch=4226720&src=news

Wouldn’t it been better to just buy the houses from the start and let us stay in their and have some sort of i.o.u. policy?

what do you think?

I’ve been a commercial real estate agent for 5 years now and for the first 4 years it was going fine. However, as many of you know, commercial real estate loans are going bad, and along with it, many banks are not lending. My brokerage is a very specialized brokerage. It is a car wash brokerage. Many commercial real estate brokers specialize in hotels, office buildings, apartments, etc. My business partner and I specialize in car washes. Unfortunately for us, most banks will not lend money on a car wash. They are still much more lenient on apartments, hotels, offices, but car washes have been very very bad investments for banks coming out of the real estate boom. As a result, I do not see my brokerage doing ANY deals this year, or in the near future. In the meantime I’m running out of cash and fast.What should I do? Since I’m technically self employed I have plenty of time to search for a job, but the reality is that if I was truly serious about leaving this career now, I would simply quit and start a new career asap. I’m 29 years old and started doing this right out of college. I feel confident that I can take a pay cut and start a new career somewhere else. At this point it seems almost inevitable that I’m going to have quit soon. My question, therefore, is does it make a difference if I search for a job only part time, or should I quit now and put all my effort into finding a job now while I still can afford to pay rent, and still have some money in the bank? 10 pts for best answer.
Well I’d like to continue doing something in the real estate world, but I don’t have time to just limit it to real estate so I’m applying to all kinds of jobs. I’m in Los Angeles so jobs are far and few. If all else fails I’m thinking of joining the Navy as an Officer.

I’ve been a commercial real estate agent for 5 years now and for the first 4 years it was going fine. However, as many of you know, commercial real estate loans are going bad, and along with it, many banks are not lending. My brokerage is a very specialized brokerage. It is a car wash brokerage. Many commercial real estate brokers specialize in hotels, office buildings, apartments, etc. My business partner and I specialize in car washes. Unfortunately for us, most banks will not lend money on a car wash. They are still much more lenient on apartments, hotels, offices, but car washes have been very very bad investments for banks coming out of the real estate boom. As a result, I do not see my brokerage doing ANY deals this year, or in the near future. In the meantime I’m running out of cash and fast.What should I do? Since I’m technically self employed I have plenty of time to search for a job, but the reality is that if I was truly serious about leaving this career now, I would simply quit and start a new career asap. I’m 29 years old and started doing this right out of college. I feel confident that I can take a pay cut and start a new career somewhere else. At this point it seems almost inevitable that I’m going to have quit soon. My question, therefore, is does it make a difference if I search for a job only part time, or should I quit now and put all my effort into finding a job now while I still can afford to pay 3 more months rent, and still have some money for food?
I appreciate the optimism guys but at this point a change in course is highly unlikely for me. My business partner just started our new marketing campaign and we are indeed headed in a new direction: apartments. However, I have about 4 months left before I’m broke, and since we are untested in the apartment market I think it would be prudent to either (a) jump ship now or (b) get a new career.

I form non bias opinion on answers. I will provide evidence on why we are in a recession. If you don’t agree then that is you’re own decision and it is respected by me. However I will challenge you to see what parts of this info is not seen in the market…and why it cannot be defined as a recession.

THIS IS LONG BUT IT PROVIDES REASON FOR WHY IT IS A RECESSION:
The public was addressed by the secretary of state three weeks ago with the state of our economy. It was concluded there was a sign of recession on way. However, many believe this started in November as did the subrime lending create decrease in mortgage lending. I am one of those people. I don’t believe that subrime lending was the only cause. So since subrime lending fiasco started two consecutive periods ago….this indeed has led to a economic fall. GDP is important…and I have seen it fall also…but it has not reached two consecutive periods…but it will, no doubt. (that is my own opinion) Note that the GDP-growth (real seasonally adjusted annual rate) for the last quarter of 2007 was 0.6[31] as revised on February 28, 2008. It was 2.2 for all of 2007.

Nouriel Roubini has outlined a harsh 12-step scenario.[32]

U.S. home prices will fall between 20% and 30% from their peak. NYTimes chart ALSO TODAY IT WAS ANNOUNCED THEY HAVE FALLEN 60%
Losses to the financial system from the subprime disaster, as high as 0 billion, are now spreading to near-prime and prime mortgages.
The recession will lead to a sharp increase in defaults on other forms of unsecured consumer debt.
Monoline insurance companies will take losses on their insurance of residential mortgage-backed securities, collateralized debt obligations and other asset-backed securities products, which are much higher than the billion-to- billion rescue package that regulators are trying to arrange.
The commercial real estate loan market will soon enter into a meltdown similar to the subprime one.
Some large regional or even national banks that are very exposed to mortgages, residential and commercial, may go bankrupt. Bear Stearns Companies, Inc. collapsed on March 16, 2008, and was bought out by JP Morgan Chase.
Banks’ losses will grow as a result of hundreds of billions of dollars of leveraged loans on their balance sheets at values well below par, currently about 90 cents on the dollar.
Once a severe recession starts, a massive wave of corporate defaults will take place. Typically U.S. corporate default rates are about 3.8% (1971-2007); in 2006 and 2007 this figure was a rather low 0.6%. And in a typical U.S. recession such default rates surge above 10%.
The “shadow banking system” (as defined by Pimco, it is composed by non-bank financial institutions that borrow short and in liquid forms and lend or invest long in more illiquid assets), will soon get into serious trouble.
Stock markets in the U.S. and overseas will start pricing in a severe U.S. recession and a sharp global economic slowdown.
The credit crunch that is affecting most credit markets and credit derivative markets will lead to a drying up of liquidity in several financial markets, including otherwise very liquid derivatives markets.
A vicious cycle of losses, capital reduction, credit contraction, forced liquidation of assets at below fundamental prices will ensue, leading to further credit contraction
Any questions?
John…man are you serious…"labeling"?

C’mon…now. GDP is gonna say the same thing I pulled off wikipedia. So what are you getting at? You have to come out with something more than characterizing my question as labeling. No offense…i mean you are the only one that answered in 30 minutes. So its looking like people aren’t conflicting with a recession being here. Thats good.
Good answer though.
Piatchi..thats a great analogy…lol. Bear Sterns was baught by JP Morgan and Chase when it had substancial losses…but hey it DID survive the depression. Just take a look at any site it will give more info. Thanks for answer.

I form non bias opinion on answers. I will provide evidence on why we are in a recession. If you don’t agree then that is you’re own decision and it is respected by me. However I will challenge you to see what parts of this info is not seen in the market…and why it cannot be defined as a recession.

THIS IS LONG BUT IT PROVIDES REASON FOR WHY IT IS A RECESSION:
The public was addressed by the secretary of state three weeks ago with the state of our economy. It was concluded there was a sign of recession on way. However, many believe this started in November as did the subrime lending create decrease in mortgage lending. I am one of those people. I don’t believe that subrime lending was the only cause. So since subrime lending fiasco started two consecutive periods ago….this indeed has led to a economic fall. GDP is important…and I have seen it fall also…but it has not reached two consecutive periods…but it will, no doubt. (that is my own opinion) Note that the GDP-growth (real seasonally adjusted annual rate) for the last quarter of 2007 was 0.6[31] as revised on February 28, 2008. It was 2.2 for all of 2007.

Nouriel Roubini has outlined a harsh 12-step scenario.[32]

U.S. home prices will fall between 20% and 30% from their peak. NYTimes chart ALSO TODAY IT WAS ANNOUNCED THEY HAVE FALLEN 60%
Losses to the financial system from the subprime disaster, as high as 0 billion, are now spreading to near-prime and prime mortgages.
The recession will lead to a sharp increase in defaults on other forms of unsecured consumer debt.
Monoline insurance companies will take losses on their insurance of residential mortgage-backed securities, collateralized debt obligations and other asset-backed securities products, which are much higher than the billion-to- billion rescue package that regulators are trying to arrange.
The commercial real estate loan market will soon enter into a meltdown similar to the subprime one.
Some large regional or even national banks that are very exposed to mortgages, residential and commercial, may go bankrupt. Bear Stearns Companies, Inc. collapsed on March 16, 2008, and was bought out by JP Morgan Chase.
Banks’ losses will grow as a result of hundreds of billions of dollars of leveraged loans on their balance sheets at values well below par, currently about 90 cents on the dollar.
Once a severe recession starts, a massive wave of corporate defaults will take place. Typically U.S. corporate default rates are about 3.8% (1971-2007); in 2006 and 2007 this figure was a rather low 0.6%. And in a typical U.S. recession such default rates surge above 10%.
The “shadow banking system” (as defined by Pimco, it is composed by non-bank financial institutions that borrow short and in liquid forms and lend or invest long in more illiquid assets), will soon get into serious trouble.
Stock markets in the U.S. and overseas will start pricing in a severe U.S. recession and a sharp global economic slowdown.
The credit crunch that is affecting most credit markets and credit derivative markets will lead to a drying up of liquidity in several financial markets, including otherwise very liquid derivatives markets.
A vicious cycle of losses, capital reduction, credit contraction, forced liquidation of assets at below fundamental prices will ensue, leading to further credit contraction
I agree. One "economist" proceeded to call me every name in the book and told me i don’t understand propensity. This is nothing but coin-tossing guestimations.

Serious answers…
10 points best answer.

I’m in my early 20s, and I’ve always wanted to be a real estate agent. I kmow someone who does it part time, but we live in New York State. Even though the economy is bad and is affecting the real estate market, isn’t a good time to get in the business if there are so many foreclosures? Because of buying homes cheaper than the orignal price? But, then again the banks aren’t giving out a lot of loans…Is there anything that is prospering related to real estate right now? Probably commercial real estate, but I would have to college for it, right? I went for Business, and Marketing. So, I don’t think I would be able…

Are there locations in the United States that are doing better in real estate? People still need homes in this economy. And what other things could I do related to being an agent, that will help me still be able to sell and buy homes??? I need some ideas…

THANKS FOR YOUR HELP!!!

1. Swine Flu Second Wave: Typically, influenza outbreaks come in waves, getting worse with each one. The very ease with which we seem to have survived the first wave of swine flu may make us vulnerable to a horrific second wave.

2. Commercial Real Estate Collapse: Various commercial real estate deals face trillions in refinancing obligations over the coming years. But the market is practically closed, ensuring massive bankruptcies and restructuring.

Why are lenders so freaked out? Because existing loans are going sour at a pace unlike anything we’ve seen in history. Because of that, even commercial real estate properties with strong cash flows are finding financing extremely difficult to come by.

3. The Option Adjustable Rate Mortgage Explosion: Anyone referring to the "subprime crisis" has got to get with the program. The subprime wave of defaults is basically over. Now the question is, what about all the other types of mortgages? You know, Option ARM, Alt-As and of course, good old fashioned prime mortgage.

The big wave of Option ARM resets has yet to come, and given the drop in home prices, refinancing won’t be realistic. Let’s hope the homeowners can afford their new monthly payments.

4. Global Food Crisis: As we saw last year, the global food supply teeters on the edge of adequacy. Any serious shock–floods in the Midwest, a war in Asia, social unrest in China, political upheaval in Thailand or Egypt–could result in shortages in countries that import large amounts of their food.

5. Israel Bombs Iran: The Obama administration’s openness to the Iranian regime may have the perverse effect of emboldening its nuclear ambitions. Very likely, the fears of the nuclear Iran are over-stated. It would probably behave like most members of the global nuke club, cowed by its own destructive power into behaving responsibly.

But Iran isn’t the only country to worry about in the region. Israel may not be willing to tolerate a nuclear armed Iran, and may choose to strike out to destroy Iran’s nascent nuclear capabilities. This would obvious raise tensions throughout the Middle East. At the very least, oil prices will likely spike and remain elevated following any military action against Iran. This, in turn, will slow the global economy.

6. A Wave of Municipal Defaults: Historically, cities and states don’t default on their loans very much. But as Warren Buffett pointed out, historical results don’t mean jack because muni insurance wasn’t around. Unless it gets a bailout, California may go bankrupt, causing the muni market to seize up, bringing public works and spending to a halt, kneecapping GDP.

At that point, with no ability to borrow, the other states will rush to default themselves, sparing their taxpayers any more pain.

7. Another Bank Run: It seems unlikely, given the government’s implicit guarantee of the banking sector, but it’s always possible that investors or lenders could lose confidence in one of the banks again, prompting a financing run a la Bear Stearns.

If this happened, we’d be back to square one with all the confidence and bailouts since Lehman’s collapse — only, the government would have fewer bullets left in the gun.

8. Runaway Inflation: The Federal Reserve seems confident that it can "land the recovery." Is it right?

There’s good reason to be skeptical that the Fed will be able to reduce the monetary base before it floods out into the economy, driving up prices and destroying savings. For one thing, the Fed has never really been very good at doing this. By the time the Fed realizes that inflation is taking off, it may be too late.

9. North Korean Missile Launch: Wee dictator Kim Jong II has lulled the world to sleep, performing missile tests on a seemingly daily basis. What was once a cause for alarm now barely merits a bulletin on CNBC. In fact, the dollar has rallied on the nervousness.

But his neighbors in China, South Korea and Japan are freaked out and an actual war, or genuine provocation, could wreak havoc on far eastern trade. This might cause investors to flee towards the dollar, but it would be terrible for markets and economic activity.

10. Chinese Financial Crisis: Most economic discussion of China these days is about how dependent the US government has become on China buying Treasury bonds. But China has lately learned that its own economy is dangerously leveraged on foreign demand for Chinese manufactured goods. The global downturn has helped expose the fragility of the Chinese economic miracle, and worse might be coming.

A collapse of profits in China could very well spark a banking crisis, much like the collapse of real estate prices did to US financial institutions. Very little attention has been paid to the fragility of the Chinese financial system, which is dominated by large, slow, non-transparent, often corrupt state-run banks and centralized decision making. Slowing exports could be the tide that goes out and reveals whi

I have a piece of commercial real estate that has been listed with 3 different reality company over a period of 3 years. All have failed to produce a lookers let alone a buyer. My location is an off the beaten path western montana, ranching/ tourist community with an in town population of under a1000 people.
We have 60-90 days before the bank (an SBA loan) can call the note.
Should we yet again change realtor’s or should we lower the already rock bottom price, save the commission, lower the price again and give it a whirl our selfs?

Here’s a clip from the AP story:Commercial real estate developers said Monday they also are petitioning the government for support from the 0 billion rescue fund. The Real Estate Roundtable said an estimated 0 billion of commercial real estate mortgages will come due by the end of 2009 without adequate refinancing options.

Industry officials said thousands of office buildings, hotels, shopping centers and other commercial buildings could be headed into foreclosure or bankruptcy unless the government provides support.

Jeffrey D. DeBoer, president of the Real Estate Roundtable, said the industry has written to federal officials asking to be included in a new 0 billion loan program being run by the Federal Reserve, with support from the financial bailout program, to bolster the market for credit card debt, auto loans and student loans.

DeBoer said the commercial real estate industry would like to see that program expanded to cover their properties or have a similar program begun to help their industry.

So I had to ask Banks car companies and now maybe commercial real estate developers… So where will the government getting around to helping those in real need… American families???
Well said Toopy but I still have to point out these are the very same people who landed us in this mess and they rather then step-up and try to fix the mess they made the go whining about needing more money because we little guys can no longer afford their services.

I’ve heard a friend of mine <that does residential and commercial real estate loans> go completely nuts every time her customers shop around for home loans. What do these lender expect someone to just trust them when they say. <hey, don’t be looking at loan numbers from other lenders or I’ll kick you in the ding ding.

My husband bought a house 6 years ago. I married him 5 years ago then we refinanced adding me to the loan (we got 5.875%).

We are now trying to get a commercial real estate loan, but the application is asking if either of us has ever filed bankruptcy. It was almost 12 years ago. I thought it would drop off of your credit in so many years.

Do I need to be honest about this?

Can they use this against us?

I will be listed as the co-applicant.

Any advice is appreciated.
Our credit is impeccable!

Where is the best place for a new real estate investor to apply for commercial loans? There are many banks and online lenders offering commercial loans, so out of the thousands of options, where is the best place to start? I have read many books, but none seem to be updated with the current options the internet provides. If someone could recommend a good book on commercial real estate financing, that’d be great too. But my main question would be, where is the best place for a new commercial real estate investor to get a loan (for real property, not a business loan)? Thanks.

I am the owner of a small company, New York Swim School. Until a month ago I was renting pool space from prominent health club in NYC. Due to the new ownership of the club I was unable to renew the contract, and was forced to stop doing business. My goal now is to own a health club in NYC or New Jersey where I will not be at mercy of others for the continued success of the business. I am new to buying or renting commercial real estate so I need some advice as to where to start, what my initial capital should be, if I need to loan the money how should I present it to the bank, and so forth? I would appreciate any kind of help or suggestions. Thank you in advance.

I am interested in getting into commercial real estate, not sure what area….leasing, property management, lending, loan officer, I know it sounds cliche, but I basically just want to go where some big money can be made. I have a background in residential real estate as a loan officer and Account Executive for a subprime lender. From what I hear, people on the commercial side make some great money, it just seems that everyone wants someone with commercial experience. I am willing to pay my dues, training, mentoring, etc, but I just need to find somewhere to get my foot in the door. Any help?!

"Federal Deposit Insurance Corp. Chairman Sheila Bair said she expects her agency will finance as much as 0 billion in purchases of residential and commercial real estate loans."

I’m sorry, can some other please read this news story from yesterday very, very, very carefully, and tell me, does it or does it not explain that a private investor can put up 00 and acquire 0,000 worth of real estate with the government matching 00 and loaning ,000 from the FDIC?

http://news.yahoo.com/s/ap/20090324/ap_on_go_ca_st_pe/bank_rescue_88

So, for ,000, a private investor can acquire a 0,000 property, forget the ,000 matching grant, and slowly repay the government 2,000?

What happens if that investor defaults? Who covers the loan payments to the FDIC so that it will stay solvent?

Since when does the FDIC make billions in loans?

The last I read about the FDIC a few months ago said it did not have enough money then to cover everyone’s deposits if the banks all collapse.

Why then would it be tapped to send 0 billion out its doors on a dubious economic rescue plan with full understanding that the whole plan is a risk and may fail?

The rich bankers will get their money from the government loans as speculators and the naive rush to get these properties that they won’t be ablle to make money off of in this economy — lol, the banks cannot make money off of them, by what magic will the private investor using government money to get them from the banks be able to make money off them?

So, the banks and those who own them will be held up for awhile, but when the problem behind this economic mess is not truly addressed, they will run the risk of failing again and there will be no money in the FDIC to cover the consumer’s deposits? But the rich will have their money, courtesy of 0 billion from the FDIC?

Oh my.

Is that what is happening here?

What is the gateway position into commercial real estate loan processing?

I need some experienced people who know where to go for commercial real estate loans. I live in the burbs of Chicago and own several properties and apartment buildings. Basically, banks are telling me that I cannot borrow more than 75% of the purchase price of the house regardless of the appraisal. I need to find a bank/lender who understands real estate investors and their business and can do higher risk loans.

Any info is VERY helpful!

Thanks!!

I'm considering getting into commercial real estate loan brokering and I would like to find out how many point lenders usually pay on these types of loans. I know the amount can vary, but I'm looking fo a range so I can calculate my possible commission. For argument's sake let's say an average loan amount would be .5 million. But, any info on how the system works on loans larger or smaller than that would be helpful also. Thanks.

Asset-liability management is the term where the maturity of an asset is similar to the time that the liability expires. Which of the following is not good asset-liability matching? (Points: 4)
A. Brand new quality car financed by a 5-year loan.
B.Retirement fund for a 35-year old containing commercial real estate.
C.Loan from a commercial bank to a corporate account for working capital funded by the bank's retail checking accounts (consumer's deposits in checking accounts).
D. re-financing a credit card, exclusively used for grocery purchases in the amount of ,431.49, by taking out a second mortgage on the consumer's home.
E. used car purchase financed by a 3-year car loan.

What's the typical salary for a Commercial Real Estate Loan Analyst position?

What are the growth opportunities?

I am looking to start a bar in Chicago, IL and I know the building that I want to acquire. I have a partner who is able to put 0-400K into the project but the building itself will cost between 0K-M to acquire and will require anywhere from 0K-200K to restore and convert. I would like to know the best place to go for a commercial real estate loan keeping in mind the significant funding we already have. I would like to limit the down payment to about 0-150K to keep the rest available for the bar itself. As a side note my personal credit score isn't fantastic (about 630). Also, the building is not currently a bar but an old theater so it will require remodeling, however they do hold a liquor license so it is properly zoned.

Thanks!

i am a mortgage consultant. i help people sell their homes for top dollar. i also help people sell their second mortgages, land deeds and commercial real estate. getting a price quote is free, and there is no obligation once you try the service.