Tag Archives: commercial real estate loan in texas

Risky Business: How To Minimize Risk With Your Commercial Real Estate Loan In Texas

bridge loans hard money at level 4 funding phoenix arizonaThe benefits of a successful real estate investment are many and varied. However, when you venture into property management with a commercial real estate loan, you are invariably taking on a great deal of risk as well. Managing the risks involved, especially in volatile markets like Texas, can greatly enhance your chances for success.

Commercial real estate and the investment in a commercial real estate loan can be very lucrative and rewarding experiences. However, there is a certain level of risk that an investor While commercial property investing can be risky in ways that are unforeseen to the first-time investor, there are ways to minimize the risk. But be warned. There is ALWAYS risk and you should be very wary of anyone who tries to tell you otherwise.

One of the biggest risks to commercial real estate loans and commercial property is the market as a whole. There are so many factors that play in to the success of a real estate market that it is virtually impossible to predict them all, however, a smart investor is going to stay up to speed on a variety of things that will indicate local economic strength. The strength of local businesses and multi-family housing units are a very good indicator of local economic strength and can give excellent insight into the demographic movements of specific areas. This is especially true when it comes to professionals in the leading industries of the region. In Texas specifically, the market can easily be judged based on the movement of professionals hired to work in the energy sector. As that industry goes, so does the majority of the market.

Another massive risk of a commercial property are structural improvements and construction. This might not seem like a risk at first, as many properties require improvements and renovations before they are able to be viable income generating properties, as well as ongoing improvements. Where this becomes a risk, however, is when costs and time are underestimated. This is a very common occurrence and is not something that many investors are equipped to deal with, especially when involving a commercial real estate loan that requires payment. It is safe to assume, with commercial construction, that very little will go according to the proposed timeline and you will have to adjust both your end date and your expectations.

Knowing these risks to my commercial property and commercial real estate loan, what is the best way to prepare myself?

Many of the risks of commercial investments can only be minimized by being properly prepared and well educated about the flows of the market. Those risks that are the largest are completely outside of the control of the investor. While this might be daunting and stressful, it is also incredibly rewarding, as such risks have a tendency to turn away those who are faint of heart. This leaves plenty of opportunities for those who are willing to take on some risk (calculated risk) for plenty of reward. When it comes to commercial real estate loans, nothing is a sure thing, but by educating yourself and protecting your property, you can minimize the lasting impact of an economic downturn.

Dennis-Dahlberg-Mortgage-Broker-1_th

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701
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About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

How Will Changes in Real Estate Development Affect Commercial Real Estate Loans In Texas Post Hurricane Harvey?

4page_img5-bigWhether it be commercial properties to house offices, retail space to support small businesses or multi-family homes to address growing population density, commercial real estate loans in Texas have long been a source of income and expansion for small business owners. However, with the recent devastation of Hurricane Harvey, regulations might be implemented that could affect this landscape.

Whenever the idea of regulation, especially when it comes to sources of economic development, comes up, there is always a debate. Individuals from all over the spectrum weigh in on the benefits or drawbacks of such changes and the impact that they would have on the market and economy as a whole. However, with the massive repercussion that Hurricane Harvey has had on properties in Texas, it seems as though regulation is a foregone conclusion. This will most certainly impact commercial real estate loans.

One way that regulations might change the real estate industry after Hurricane Harvey is in zoning laws, especially in Houston. Prior to the latest disaster, there had been little in the way of zoning restrictions. Real estate development was given a free hand and the population and local economy was greatly enhanced. However, this did lead to significant losses with the flooding and other destruction from the hurricane.

Because of the unique landscape of Houston and the surrounding area, there are many residents that have been clamoring for increased regulation in zoning. Houston has been extremely fast growing in the past few years and this had led to many commercial real estate loans being used for rapid expansion into the surrounding plains, which have ultimately proven to be unsafe and right in the flood plain. This did, however, provide for lots of very economical development.

However, there is still a good deal of opposition to potentially more regulations. Opponents of these measures claim that there is little evidence to prove that the development cycle is actually to blame for the flooding. One solution that has been put forward is for the city itself to provide a more comprehensive drainage plan.

In either case, the resulting changes in commercial real estate that are bound to come out of this most recent disaster will certainly have an effect on the loans needed to develop, or re-develop, Houston and the surrounding area.

How will the fight over regulation specifically affect commercial real estate loans in Texas?

While this largely remains to be unseen, there are some trends that could be affected. For one, the application, appraisal and title process all have the potential of taking more time the more restrictions are in place. With any sort of regulation, government agencies usually get involved in the process and that is sure to bog down a commercial real estate loan. It remains to be seen how it will affect interest rates or terms, but with more agencies in the mix, it is a solid prediction that fees for closing, at the very least, will increase. If zoning regulations do go into effect, the availability of such loans (and properties in general) might also decline.

Dennis-Dahlberg-Mortgage-Broker-1_th

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701
clip_image002clip_image004clip_image006clip_image008

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

The Dark Side Of Commercial Real Estate Loans In Texas – What are the Drawbacks Investing?

iStock_000002512608_LargeIf investing in commercial real estate properties were easy and a sure thing, then everyone would be able to do it successfully. However, there is a tremendous amount of risk inherent in pursuing commercial real estate loans in Texas, considering the number of factors that are outside of the control of the investor.

There are most definitely opportunities present for anyone to get involved in commercial real estate. So why doesn’t everyone do it? Because for every reward, there is also a great deal of risk. Only those who are able to manage the risks, while capitalizing on the rewards are going to be successful in putting a commercial real estate loan to work for them with an investment property.

One of the biggest drawbacks of pursuing and following through with a commercial real estate loan and the property that will be acquired with it is the time that the owner is going to have to commit. With a commercial property, you are going to be dealing with many different leases of different time frames and terms, shared areas that are the responsibility of the owner, and an image to uphold. All of this takes a tremendous amount of time and energy. If a borrower has never owner commercial property before, the amount of time it takes for even the simplest of maintenance tasks is most likely to surprise.

Another hurdle that investors and owners will need to overcome with commercial property is the realization that it is impossible to do it all yourself. With the amount of maintenance, as well as their complexity, an owner is going to need commercially certified professionals. This often comes as a surprise to many owners who like to take care of things themselves. Not only does this establish a further layer of liability protection, but it will also save time. Just because you have the commercial real estate loan on the property does not mean that you should try to save on costs by lowering maintenance standards.

Commercial properties are also different than residential properties and this can be a drawback for investors that are not properly prepared for what that means as far as foot traffic is concerned. The reality is that the volume of people coming in and out of a commercial property is much greater than in a residential property. While this might seem like a no brainer, the implication is that the potential for damage to the property or to those who frequent it go up significantly. Everything from a minor accident in the parking lot to a significant injury to a patron has the potential to happen. This additional risk is often not realized by potential owners until it is too late.

Are there ways to mitigate the risks associated with my commercial real estate loan and commercial property in Texas?

Each state handles the issue of insurance differently, so it is critical to understand what the local laws are in regard to liability, maintenance fees and licensing. The last thing you want to have happen is to lose your livelihood and open yourself up to a lawsuit over something that you did not know was an issue. The best way to lower the risk and overcome these draw backs is to seek the advice and help of someone who has dealt in commercial real estate and commercial real estate loans before.

Dennis-Dahlberg-Mortgage-Broker-1_th

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701
clip_image002clip_image004clip_image006clip_image008

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

How Commercial Real Estate Loans Texas Benefit Your Company

4page_img4Obtaining commercial real estate loans Texas bring businesses new opportunities that they might not otherwise have been able to afford. Read on to learn how your company can realize the benefits of this type of loan to take your business to the next level.

Bottom line: starting out in business or growing your business takes capital. Capital that you as a small business owner might not just have lying around. So seeking commercial real estate loans Texas can get you the cash you need to grow your business. Loans can help your company in many ways, and with a little “cushion” money, you can make a lot more money for your business!

When seeking a loan, it’s important to present your business and your financial situation in the best light possible. After all, in business, as in many things, first impressions make or break any situation. The exterior of a building, marketing materials, the interior of an office, etc., all contribute to the impression that client and customers make about a company — even in the first few minutes, regardless of the quality of their goods and/or services. So making a good first impression is crucial. If you are able to obtain commercial real estate loans Texas, this can go a long way toward creating a great first impression for your company.

Beyond making modifications to your business, a loan can benefit your company by serving as a cushion in unexpected times of tight cash flow. It can be extremely stressful for a company to be continually “cash strapped” and a loan can be a great source of financial security in uncertain times for your business. Having the extra cash to ensure your payroll stays on target, you are able to pay vendors and suppliers on time and that you even have a little extra to invest back into the company in the way of improvements or additional products can be a business “life saver.”

Commercial real estate loans Texas can benefit your company in countless ways by helping your reach new markets, expand into a new region or build additional locations, or have the capital to market your business via advertising and other opportunities

When you decide to apply for a loan, you can feel confident that you will have the financial stability to make company growth decisions. Sometimes growth requires a lot of extra capital to make it happen, but the return in investment is usually worth it. This is one of the greatest benefits of a loan – knowing you can use it to help your company reach limitless potential.

Make sure you research the loan that is right for you.

Whether you need a short-term loan for “fast cash now” or you are in need of an equipment loan to buy machinery or equipment to grow your business, seek the right option for your needs. Talk to a professional lender or broker about your needs. They have the experience and expertise to help you determine what type of loan would best benefit your business.

Dennis-Dahlberg-Mortgage-Broker-1_th

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701
clip_image002clip_image004clip_image006clip_image008

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

What it Means to Get Commercial Real Estate Loans Texas

page3-img2Getting commercial real estate loans in Texas allows you to borrow money for your business use, whether it’s property, equipment, or improvements. You need to know how the process works before applying for this type of loan.

When you are seeking commercial real estate loans in Texas for your company’s business expenses or growth needs, it’s important to understand that it’s much different than trying to obtain a home mortgage loan. Typically, its much bigger, and truthfully, much more complex than a residential home loan.
When you need to purchase property for your business, commercial real estate loans are very beneficial, and can take your company to the next level by getting you the property you need to build on or expand. But before applying for this type of loan to purchase property, you need to be prepared. Having your business plan, your financial statements, current credit status and other important documents in order will help you get a head start on preparation.
Pre-planning is essential for the success of getting approved for commercial real estate loans Texas. You will need to know that these loans are secured via a lien on the property you want to purchase. That means the lender has the legal right to take ownership of the property if you are not able to keep up with the schedule of the repayment terms or any other terms of the loan agreement. Pay close attention to all the clauses in the lenders’ agreement, and it’s a good idea to have all documents reviewed by a lawyer that is well versed in commercial real estate loans in Texas to help you understand what you are signing.

It’s important to know the consequences for not being able to meet the financial responsibilities agreed upon in the documents.

If you fail to meet the terms of the agreement, or are in breach of contract for any reason, you are putting your business at risk. If you can’t make the payments, you could face foreclosure of your property.
You are responsible for a down payment for your commercial real estate loans Texas, and other costs and fees, too.
To obtain this loan, you are going to be required to make an initial down payment of about 20 to 30 percent (depending on the current state of the economy) of the property’s costs, which is beneficial since you will begin to earn instant equity. As you approach getting this type of loan, understand your commitment to your lender including interested, feeds and other costs associated with the loan, so you can repay it wisely.

Dennis-Dahlberg-Mortgage-Broker-1_th

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701
clip_image002clip_image004clip_image006clip_image008

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Commercial Real Estate Loan in Texas Used to Refinance One of the Most Well Known Buildings in the Heart of Houston

4page_img4After experiencing the devastation of Hurricane Harvey, some good news comes to the area. The city of Houston is eager to see the changes that will be made to one of their most popular and well-known office buildings in downtown Houston thanks to Holliday Fenoglio Fowler approving a commercial real estate loan in Texas

Located in the heart of downtown’s Houston Theatre District, one of the most recognizable buildings in the Houston skyline and even across the globe is going to be getting a new look, all financed by a commercial real estate loan in Texas funded by Holliday Fenoglio Fowler. The architectural icon is at 700 Louisiana in Houston’s central business district.

The 1.2 million square-foot office is 56 stories and was designed by Phillip Johnson and John Burgee. The building currently homes many law and financial services firms that benefit the Houston community greatly. Luckily, Hurricane Harvey had little impact on the business operations of the building, with all of the businesses in the building is back to their daily activities.

The borrower of the commercial real estate loan in Texas, M-M Properties worked closely with Holliday Fenoglio Fowler in a very detailed process to get the refinancing rolling. The impact of refinancing the well-known building is going to give it a higher property value by sprucing up the lobby and more.

Privately held real estate investment firm gets help with commercial real estate loan in Texas

With M-M Property having their headquarters based in Houston, they know how hard the area was hit by Hurricane Harvey. The property management company is hoping that this is a positive event happening after such a devastating time. M-M Property is an experienced, privately held real estate firm that is located in the heart of Houston.

The commercial real estate loan in Texas lender is eager to see how the changes will improve the area’s value.

After Houston was hit hard by Hurricane Harvey, Holliday Fenoglio Fowler is excited to see the changes that will be made during the renovations to bring the area back to the way it was before the storm rocked the area, causing 18 counties in the state to be declared disaster areas. Holliday Fenoglio Fowlers has 24 offices across the country and is a leader in commercial real estate loans in Texas and throughout the United States along with offering many other financial and marketing services.

Dennis-Dahlberg-Mortgage-Broker-1_th

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701
clip_image002clip_image004clip_image006clip_image008

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage