Tag Archives: commercial real estate investing

Commercial Real Estate Investing Made Easy By Peer Investing and Construction Loans

Commercial real estate investing is now easy thanks to peer to peer lending. Peer to peer lending is a method enabling investors to get loans without having to involve banks and other traditional institutions.  Borrowers are finding the best lenders who have money they want to invest indirectly. Simply put, active investors are getting loans from passive investors. Both parties are benefiting from this form of loaning method.

Bad credit is not longer an issue

Perhaps, your bank has denied you a loan just because you bad credit. This should not hinder you from accomplishing your investment goals. You can get financing for your real estate investment project with peer to peer lending.  Many people have invested in real estate by taking advantage of the opportunity that peer to peer investing and construction loans have provided. With peer to peer lending, real estate investments are no longer a preserve for the wealthy few. Even small income earners are now venturing into real estate.

Get money fast

Perhaps, you have come across an investment opportunity that you want to exploit. Maybe you do not want to wait for long to receive your money. In that case, peer to peer lending might be the best option for you. Loan applications are approved fast by peer to peer lenders. This implies that you can get your loan faster than you might have imagined.

Good rates

Major hindrances for most people when it comes to getting loans are the rates. Banks and other lending institutions charge very high rates which make their loans unsuitable for some borrowers. However, with peer to peer loans, you can get a low interest rate for your loan. The interest rates for these loans are basically lower than those of hard money. Nevertheless, they are still great loans for investors.

Basically, when you need a loan and your bank has rejected your application you can turn to peer to peer lending.  If you do not have all the time to wait for a bank or any other traditional lender to process your loan, you can also turn to peer to peer lending. It is currently the most ideal way of getting construction financing especially when you want to get money for a real estate investment project faster or a loan with a better rate.

A Simple Guide to P2P Real Estate Lending

Have you ever imagined rather than walking into a bank for loan, you were lending out funds to borrowers? Through a reputable p2p marketplace lender, you can do just that.  A p2p lending club will allow you to invest your money by lending it to borrowers seeking investment property loans in exchange for attractive interest rates.

Some of the most reputable P2P companies will enable you get returns of over 9.6%, which is much higher than most investment options in the traditional markets.  In comparison to other investment types, you are able to manage your risks.  In this situation you are now the bank, lending out the money and the sole decision maker on the loans you wish to approve and reject.

To maximize your returns on commercial real estate investing, you need to have an investment strategy. Here is a checklist of things to keep an eye out for. Remember to do a thorough research prior to investing.

  • Credit Score — should be more than 678.
  • Debt Refinance — seek borrowers that will pay higher interest rates
  • Delinquencies in the previous 2 years— there should be none.
  • Government Job — preferred employment in the government
  • Interest Rate — all with preference to higher ones. Mix the loan grades to stabilize and increase returns.
  • Job Tenure — long record of employment, ideally 10 or more years.
  • Loan Purpose — you may want to seek a borrower going for a better rate and debt reduction
  • Loan Term — start with the 36 months and when you are conversant with the investment business, you can go for the longer 3-5.
  • Debt: Income ratio — preferably low
  • Several Small Loans — create a portfolio with a minimum of 200 notes. With more notes your portfolio will be more even and the performance will be better. You will spread the risk better in the event a default occurs. Hence, you will need a minimum amount of $ 5000 to invest and 800 notes which means $20,000 is an ideal amount to invest.
  • Minimum employment period: should be more than a year; the longer the period of employment, the better.
  • Reviewed by the P2P — It is preferable that you have the P2P check out the borrower and give their reviews. This will mean that there is a better chance of loan repayment.

Peer to Peer Investing is The Way to Invest and Borrow

Peer to Peer investing, a type of market place lending is an online based platform that connects lenders and borrowers directly. This kind of real estate lending is asset-backed and has advantages over traditional banks and financial institutions. For investors, peer to peer real lending allows them to break into the residential and commercial mortgage market where they would otherwise find it difficult to do so. These investments are typically low risk and yield high returns. Borrowers who do not have access to the credit market can benefit from the opportunities offered by this type of framework.

Peer to Peer for Commercial Real Estate Investing

Working with the right peer to peer company can translate into some great opportunities for both the investor and borrower who are looking to get into the real estate market. Such a company is experienced in all aspects relating to commercial real estate investing. This means that the company is easily able to assess risks and offer the investor a good return on their investment. This is usually between six and 11 percent annually.

Investing with a good company also allows for a secured investment. These investments are typically secured in a trust deed. Lastly, investors can enjoy a fixed maturity date. This can range from one to three years depending on the terms of agreement.

It is not just the investor who has a lot to gain from a good peer to peer company. People looking for commercial real estate loans and benefit from friendly rates, usually lower than what the banks are willing to offer. Borrowers can usually post their loan request coupled with their preferred rate and terms. These can be negotiated to ensure that both the investor and the borrower are happy.

Peer to peer marketplaces also enjoy faster closing times. Once a loan is approved, the borrower can gain access to their money from their checking account. The loan application and qualification is also fast and easy.

Peer to peer investing is transforming the real estate and financial world.  Blackhawk has taken the lead in providing service for Commercial Lending and is dedicated to facilitating smooth peer to peer transactions.  With a social lending platform, whether you would like to invest in commercial real estate or finance your next project, Blackhawk can help you find a match.  Log on to www.blackhawkcorp.com for more information.

Options for Commercial Real Estate Investing

Whether you are just getting into Commercial Real Estate or a seasoned investor, you’ll quickly realize each project is unique.  Being able to familiarize yourself with the many situations you can come across will open up many options to overcome these hurdles.  This is usually in financing and capital stack.  At some point you will come across a commercial mortgage broker who can help you identify solutions to your financing needs.

Depending on your project, you may need to talk to a few brokers for your needs.  Working with mortgage brokers has its own benefits and disadvantages. They have professional advice that will help you fulfill all the requirements needed in the lending institutions.  It goes without say that these people will charge you for the services they provide. Some of them ask for hefty fees that you may ask yourself whether you should really engage them.

With commercial real estate investing, there are other avenues that one can use to get the capital they were looking for.  With peer to peer investing, you can be sure of securing affordable loans that are not being offered by the traditional lending institutions. You are also cutting fees that would normally go to the broker.

You can now make the lengthy loan application processes in the traditional lending institutions a thing of the past. With peer to peer lending, you will not need to go to a mortgage broker. After a simple online form and intelligence, this social lending platform matches you with the right program.   Here, the lenders are individuals who will agree to loan you the capital you need.

Even individuals with a poor credit history can still secure loans with P2P lending.  If you have been turned down and need an alternative, maybe its time to look into Peer-to-peer lending. Log-on to www.Blackhawkcorp.com for more information.

Why Should You Choose Blackhawk Investments for Investments Consultation

Blackhawk Corp is an invaluable investment service because it does not place money with other funds in order to get managed. Blackhawk is an investment advisor while at the same time it invests in the private equity business with its focus being in the commercial real estate sector. In this sector, you are likely to get an excellent deal if the investment advisor decides to invest in your company.

Blackhawk Investment Corp is here to help you with peer-to-peer lending for real estate development. The team members of this corporation are trained to help match lenders and borrowers. It will help lenders in choosing the right investment as well as the right loan to fund the investment property. It is through Blackhawk Investment Corp and other companies that peer-to-peer lending has been revolutionized. It has helped in cutting down the number of middlemen that stand before acquiring a loan. This cutting deduction of numbers has also made sure that the interest rates that borrowers are supposed to pay back have gone down tremendously.

Blackhawk Investments has made the process of getting loans democratic. Most of these loans are unsecured thus making it easier for people without collateral to get loans and later own property. This investment corporation has also made a niche in the investment and the real estate sector thus making it easier to have more customers than any other lending institutions. Borrowers can get low cost and private loans that have flexible terms that they could not have gotten in other institutions.

Blackhawk Corp is a top peer-to-peer lending institution and due to its latest technology, it is able to connect real estate borrowers and accredited institutions. Before they make the connection they will have shopped for the best solutions for you such that you as the customer will have the best choices. For commercial property, you are able to obtain a loan with less interest rates and the payment period is also the longest.

Summary

It is important to look for a good investment advisor; an advisor who will help you to get the best loans. Get an advisor who will be with you all through the investment process and you will be happy if you chose Blackhawk Investments.

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Vincent Garibaldi

Successful Commercial Real Estate Investing with Blackhawk

Commercial real estate investing gives investors the opportunity to invest in property that will yield returns constantly. Blackhawk strives to make it easier for an increasing amount of people to enhance their investment portfolios in a feasible and practical manner.

There are different properties to choose from and several opportunities for both new and established investors. This is a top investment opportunity that one can partake in for their financial wellbeing. Commercial real estate constitutes various properties that range from restaurants to offices.

With the right amount of capital people can venture into the lucrative world of commercial real estate investment that can be a highly rewarding experience. Investors enjoy the challenges that are associated with commercial real estate and the prospects that this type of investment holds. This is the ideal way to establish an investment portfolio and enjoy the benefits of investing in an income earning opportunity.

Trust deed investing is another attractive investment opportunity that is gradually gaining popularity. Trust deeds are among the preferable means of investing for several reasons. They provide the prospect of significant returns along with keeping investors secure because of their tangible basis.

Both small and established investors can opt for this type of opportunity that gives people the liberty to use the capital they have to invest. Ownership is leveraged for the property and this enables the investor to get returns on the investment made in a variety of ways. Investing in this way can lead to other profitable investment opportunities with the goal of increasing income.

The extensive range of opportunities for investment gives investors the chance to choose the levels that are suitable for their needs and financial capabilities. Trust deeds are secure as the returns outweigh the risks and investors can enjoy peace of mind.

A hard money lender offers alternative financing options that make it possible for people who are unable to get funding from conventional sources to raise the capital they need. Many business owners struggle to borrow funds and these innovative alternatives give them a viable source of funding for their commercial real estate investments.

Summary

Many people can no longer rely on traditional lenders such as banks as a funding option and they seek reliable alternative sources of finance to turn their investment dreams into a reality.

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Vincent Garibaldi

How Peer-to-Peer Lending Works

Peer-to-peer lending usually abbreviated as P2PL allows individuals or firms to borrow money bypassing the traditional role of borrowing money from the bank. While this kind of lending is similar to peer-to-peer investments, there is a great difference between the two terms in that peer-to-peer lending takes place online on lending websites through various platforms. Loans advanced through P2PL are usually unsecured and are mostly given to individuals rather than companies. Examples of peer-to-peer lending include student loans, commercial or real estate loans, leasing, and factoring. So one may wonder how this kind of lending works and whether or not it has any benefits to both the lender and the borrower.

How it works

The borrower first makes an application to the lender for a loan. The lender then makes an assessment of the credit risk of the borrower among other factors. The higher the risk of default by the borrower, the higher the interest rate, this allows the lenders to mitigate risk of loss. Remember unlike secured investments no security is required for these kinds of loans. The lender also has the privilege of choosing which borrower to lend to and alleviating the total risk by diversifying the investment to other borrowers. Lenders then bid for the loans by buying portions of the loans advanced by the borrowers. The portions can be as low as fifty dollars depending on the kind of portfolio the lender wants to create. The bidding process may slightly differ from one company to another but using the same principle.

Benefits to the borrowers and the lender

To the borrower

  • The borrower benefits as he obtains a loan at a lower rate than the rate advanced in banks.
  • The time taken to advance the loan to the borrower is shorter as the process is shorter.
  • There are fewer overhead costs associated with the loan.

To the lender

He gets higher returns on his money compared to if he had placed the funds in a savings account.

While the whole process of advancing loans is safe, P2P lending involves a certain amount of risk to any lender. However, as earlier mentioned, the best way to mitigate the risk involved is by conducting research on the credit rates assigned by the companies and purchasing several loans so as to diversify your funds. Lenders are advised to invest in reputable companies as it is similar to assuming the same amount of risk as a bank only on a smaller scale.

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Vincent Garibaldi

Marketplace Lending is Fast and Reliable

Marketplace lending is arguably the best invention after the discovery of mobile phones. Marketplace lending is lending in its fastest form and the services keep on getting better.  There are no middlemen involved, which makes it cheaper in terms of interest – therefore benefiting the borrower.

The process of marketplace lending is transparent and is a better experience than going to the actual bank. The best thing about marketing lending is that you don’t have to have guarantors. You only need to have a stable job and a stable bank account. In fact, no one will know that you are getting a loan, not even your bank manager.

An ideal marketplace lender is one who gives the clients a favorable interest rate so that the clients will not have to pay back too much extra money. Before the lender gives money to the borrower, there has to be a thorough background and credit check on the borrower. This makes sure that the borrower will not get any money before his credibility and his credit worthiness is clarified.

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Vincent Garibaldi

 

Blackhawk Enabling Access to Commercial Real Estate Investing

An investment portfolio is often regarded as incomplete without a commercial real estate asset. Blackhawk encourages investors to partake in the benefits of commercial real estate investing. One of the major reasons why this type of investing is recommended is because it can significantly grow one’s wealth. It provides a tangible source of income and access to liquidity.

Commercial real estate assets are well known for their potential to appreciate in value in comparison to other investment options. Commercial real estate investing features properties whose values go up as a result of various factors. Owning commercial real estate is a desirable feat for most investors as it serves as an income earning form of property that is essential for economic growth.

Blackhawk provided investors with the opportunity to make a commercial real estate investment and enjoy increased wealth through viable funding solutions. Investors can invest in commercial real estate through an online platform that enables them to share yielded returns and make their dream of owning commercial properties come true.

Commercial mortgage brokers are real estate specialists who liaise between lenders and individuals who want to access mortgage loans for funding commercial properties. The commercial mortgage broker helps a client to access a loan and works closely with lenders to give the client the most suitable borrowing solution.

Commercial mortgage brokers are aware of how mortgage loans work in order for them to make it easier for people to get the funding they need. They know which products are available and which ones are most ideal for each investor’s needs.

Mortgage brokers need to be able to communicate effectively and provide the client with valuable information regarding the loan options available. After expressing interest in a mortgage loan application, the broker has the responsibility of assessing eligibility and submitting the application to the lender. The broker further follows up on the process of approval.

Trust deed investing is a popular investment option that offers impressive returns and gives investors security. The basis of trust deed investing is real estate and numerous opportunities exist for both small and established investors. It also serves as a dependable income source with real estate as security.

Summary

Commercial real estate is regarded as one of the best ways for investors to balance their investment portfolios and experience significant growth in their wealth.

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Vincent Garibaldi

Real Estate Investment is the Best Decision to Make

Real estate investment is one of the best decisions you will ever make. However, you need to make sure that you are doing it all right. You will want to earn money on real estate based on the risks that you are preparing to take. Real investment also means that you will need to minimize on the amount of time that you spend on tending to the property. You must make smart choices before buying the property.

Your ultimate goal in real estate investment should be to get as close as possible to achieve multiple scenarios. When you are taking a leap into the investment, make sure you have a good private lender because some of these ventures cannot be accomplished with your own liquid assets. If you intend to save to acquire a property, you might save for ages before you get an adequate amount.

Before you settle on a private lender, make sure you do a thorough background check so that you don’t end up with a lender who charges too much interest. You should also find one who offers a longer repayment period so that you don’t feel rushed to repay the loan.

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Vincent Garibaldi