迈克·卡尔森 has the ability to analyze and plan a strategy which takes advantage of market conditions, incorporates the best financing options and most importantly, 使你的权益回报最大化.
加里·米
2003 ~现在
网赌正规真人实体在线平台-正规网投真人实体靠谱平台
Lenders care mainly about the following during the loan application process; the historical and current performance of the subject property; your personal financial strength as a borrower; and your experience as an investor or operator of income-producing assets (whether as a business owner, 房东, 或物业经理).
After communicating your loan needs to the experts at Realty Yield, we will request that you provide some preliminary information that will allow us to begin "shopping" for the best loan for your particular needs. 这些项目包括:
+ Description and details about your (subject) property
+当前贷款/抵押信息
+个人简历/简历
+ 个人财务报表 for each borrower
+ Schedule of Real Estate Owned (SREO) for each borrower
+您(目标)财产的当前租金
+ Prior two-2 years and year-to-date Operating Statements
From here, you will receive one or more loan quote offers from the lenders in our network. 在从那些初步报价中选择之后, the process of making formal loan application will begin. The chosen lender will pre-underwrite your loan to evaluate the risks related to your credit, 能力, 还有你的抵押品的状况. 一旦初步承销完成, the lender will provide you with a Term Sheet – also known as a Letter-of-Intent (LOI), 列出对贷款的全部期望. 从那里, 贷款人将要求评估, any other required third-party reports and move your file through the formal underwriting process. The Credit Department will then generate a FINAL Commitment Letter and close the transaction through escrow.
在申请过程的早期阶段, you should expect prospective lenders to ask for resumes or bios demonstrating your track record with past commercial mortgages, 投资网赌正规真人实体在线平台, 或小型企业. 在承保过程中, your chosen lender will need more formal documentation (see 文档 section below) to fully underwrite your loan. 贷方将进行信用检查, and possibly (depending on the lender) require a background check. 贷方可能也想要审查你的商业计划, 参考文献, 财务报表, 或者你目前的净资产证明.
Every lender operates on its own schedule and some are faster than others. Having the experts at Realty Yield connect you to the right lenders will streamline the process to help move things as quickly as possible. The timeline varies depending on your mortgage needs: For short-term bridge or private financing, 我们可以帮助借款人看到快速关闭, 通常在30天内. For first-lien mortgages up to $10M, timelines between 45 and 75 days should be expected.
The documentation you will need to provide for the underwriting of your apartment/commercial mortgage varies depending on the type of loan and the amount of capital you want to borrow. In general, the more documentation provided, the better the rate/terms.