Apartment Buildings & Complex Investment Loans No Upfront Fees

Real Estate Investing

Apartment Buildings & Complex Investment Loans No Upfront Fees

There are many investments out there that can create wealth and security. People invest in stocks, bonds, and single-family homes, but multifamily and apartment properties, make the best sense.

Savvy investors are turning to Winston Rowe & Associates, a no upfront fee national commercial finance specialist for apartment and multifamily investors.

Why consider apartment buildings instead of single family homes? Well – many other real estate investments have some of the following attributes, but only apartments and multifamily properties have all five.

Income:

Multifamily properties produce income. Unless you receive dividends, most stocks don’t give you income, and although single-family rentals might bring a little cash flow, the income is usually not substantial unless you’ve held the property for many years. Receiving regular income from your investment frees you up to do other things.

Depreciation:

Although multifamily properties increase in value over time, for tax purposes they depreciate. The tax benefits of depreciation are substantial, and many investment vehicles lack this significant attribute. Stocks and bonds bring zero depreciation. You can use depreciation when flipping single-family homes, but because the transaction is temporary, the tax benefits will not be as great.

Equity:

The property will increase in its equity value every month just from paying the mortgage. The rent your tenants pay you goes toward the mortgage every month, so your equity increases as others pay your mortgage. Real estate investments have the advantage over stock-related investments when it comes to equity.

Appreciation:

Over time, real estate investments appreciate, meaning they are worth more now than they were in previous years. The land beneath your property becomes more valuable over time as the city around it grows. In addition, you can increase appreciation by raising rents and cutting costs. Single-family homes appreciate as well as multifamily properties, but the scale is larger with multifamily properties, and there is more room with multifamily properties to raise rents and cut costs.

Leverage:

Multifamily properties can be bought without any of your own money. When you sell a property, the equity you’ve gained in it can be applied five-fold to purchase a bigger, more expensive property.

Generally, you need 20% down on properties, so $100,000 in equity on one property means you can leverage that equity to acquire a $500,000 property. Every time you sell a property your leverage becomes greater.

Investors seeking apartment building financing should turn to Winston Rowe & Associates because or their efficient, end-to-end commercial real estate financing solutions that provide commercial mortgage capital to owners of all commercial property types, nationwide.

With flexibility and speed of execution, they are able to offer a broad range of financing capabilities. In most cases they can close your loan within 30 days.

You can review Winston Rowe and Associates by clicking this link.

 

Office Building Refinancing Guidelines No Upfront Fee Loans

Office building investors considering refinancing should look at Winston Rowe & Associates. They are a national office building finance consulting firm specializing in no upfront fee commercial real estate loans.

Winston Rowe & Associates has prepared this article to detail the major points of underwriting office building refinance transactions.

Owners conducting an office mortgage refinance have a broad range of finance options. This is due to several factors, such as loan amount, whether the property is owner occupied or an investment, single unit or multi tenant, strength of owner, etc. In addition there are several different types of office buildings (For example, office condo’s, Class a- c,) which further dictate loan options.

As far as underwriting is concerned, fundamentals are still critical; loan to value, debt coverage ratio, strength of tenant, credit worthiness of borrower, and property analysis come into play. Below is a brief discussion of each underwriting component and how it relates to office building loans.

Debt Service Coverage Ratio restrictions are typically set at 1.2 for both investors and owner occupants of office properties. Meaning that for every $1.20 of net income (income after taxes, insurance etc have been paid) the property/business produces, the mortgage payment will not exceed $1.00. Said in another way, after all expenses and the mortgage has been paid, the owner will need to net $.20 to qualify.

Exceptions can be made with this rule on office refinances. For example, on owner occupied transactions it is not uncommon for the lender to consider other source of income that the borrower has to replace low income that the business lacks. In addition, stated income loans (commercial loans that do not require business or personal tax returns) can be an outstanding option for owners that have low debt coverage ratios due to either overstated expenses, current high levels of vacancy, or understated (or lack of) income.

Loan to value restrictions on office building refinances are normally capped at 80% on a rate and term refinance and 75% loan to value on cash out refinances. Higher LTV’s are available, for example there are a few lenders that will go as high as 90% but this comes at a steep price for the borrower – raising rates by as much as 2-3%. On the flip side, lower loan to values will normally reduce interest rates for the borrower.

Tenant evaluation is not as important within the office property category as others (like single tenant NNN properties) but still important. Relevant information includes time left on leases and renewal options. Further on multiple unit properties lenders prefer the lease expirations to be staggered and most banks/ lenders want to see at least 3 years left on the current leases. Some traditional banks will not allow the fixed period of the loan to exceed the time left on leases.

The personal credit worthiness of the borrower will be scrutinized. 680 credit score is normally the minimum for the best finance options. Exceptions can be made on this as well with some conventional lenders considering scores as low as 600. The overall strength of the property, tenants, DSCR, and LTV can offset concerns on low credit scores. For corporations, business performance and credit rating will be evaluated.

Fundamentals of the building are critical. Market value and market rent is paramount and will be evaluated and compared to the subject property. Any negatives with the condition, appearance, location, accessibility, and local market conditions, as well as other factors will reduce options for the borrower.

Investors seeking office building financing should turn to Winston Rowe & Associates efficient, end-to-end commercial real estate financing solutions provides commercial mortgage capital to owners of all commercial property types. With flexibility and speed of execution, they are able to offer a broad range of financing capabilities. In most cases they can close your loan within 30 days.

Investing In Office Buildings Commercial Loans No Upfront Fees

Investing In Office Buildings

Winston Rowe & Associates is a national commercial finance consulting firm, specializing in office building financing with no upfront fees.

If you’re an active office building investor or considering office buildings as a future commercial real estate investment, this article details some of the financing options to be considered.

Financing for an office building depends on a number of different considerations that go beyond the ability of the borrower to pay back the loan. Some things that have to be considered are the loan to value and debt coverage ratio.

Typically, excluding SBA financing, an office building will need a loan to cover 80-90 percent of the purchase price, with the investor putting a 10-20 percent down payment on the building. Also, the debt coverage ratio should not be less than 1.2, which would require the borrower to generate a net cash flow that is 120 percent of the debt service amount.

Other factors need to be looked at with an office building commercial loan, including how many tenants have come into the building and left in the past ten or so years, and how many tenants are currently in a lease agreement, at that moment.

If most of the tenants are in their fourth year of a ten year lease, then it is possible, after looking at rollover and renewal scenarios, that the debt coverage ratio will not be enough for the borrower to pay off.

Location for the office building should be considered, as well as its design and workmanship. Physical factors, such as these, will affect whether businesses move into the area, and into that building.

Commercial lenders will look at the market-wide statistics of the building, including whether or not there is a high vacancy rate in the community, economic vitality of the area and the development activity.

For a good quality office building, the typical interest rate varies between 6.5 percent and 7.5 percent over a ten year term with a 25-30 year amortization period. Since office buildings are so dependent on the market, local economy, location and other characteristics, it can be difficult for a borrower to secure a commercial loan in softer markets.

If there is a high vacancy in the building, then financing most likely will not be approved. However, on that note, if the building has a good history of constant tenants, and is in a good location, then there is a good chance the loan will be approved by the commercial lender.

If you’re seeking office building financing, Winston Rowe & Associates efficient, end-to-end commercial real estate financing solutions provides commercial mortgage capital to owners of all commercial property types.

With flexibility and speed of execution, they are able to offer a broad range of financing capabilities. In most cases they can close your loan within 30 days.

No Upfront Fee Office Building Financing

Winston Rowe & Associates, a no upfront fee commercial real estate financing firm that specializes in the apartment building investments and general commercial real estate financing.

They are still seeing strong options on apartment building loans, in the $650,000 – $5,000,000 range.

This segment of the commercial mortgage industry is holding its own and doing a lot better in terms of programs, rates and underwriting flexibility than the typical owner occupied or commercial investment property loans.

With the improving apartment and multifamily market the five year, seven year, ten year and even 30 year fixed rate financing is extremely attractive for investors.  As a comparison, 5 year fixed is now, normally the longest you will now see on other investment property loans.  Amortization schedule also are aggressive normally at 30 years with a few programs to 35 and even 40 years.  Some are fully amortizing.   Loan to value restrictions are set at an aggressive 80% on purchases and 75% on refinances vs 60% – 65% loan to value on other investment property loans.

Winston Rowe & Associates is seeing more and more borrowers refinancing their existing floating or short term rates into a long fixed rate programs, even if the proposed effective rate is higher than their current program.  Many borrowers feel that inflation could be lurking around the corner and they want to secure relatively low rates now, in case they go up substantially in the future, when the economy finally turns around.

All in all apartment building loans are still viable.  Investors are finding some really interesting deals as well as capitalization rates have gone up pretty much in every market in the country.  Even major markets such as LA or New York have seen drops in asking prices.

Another component of this is that the general outlook for apartment building loans is strong as the government, via Freddie Mac or Fannie Mae back the apartment secondary market and will likely continue to provide the liquidity that many other markets are lacking.

If you’re seeking apartment or multifamily financing, Winston Rowe & Associates efficient, end-to-end commercial real estate financing solutions provides commercial mortgage capital to owners of all commercial property types.

With flexibility and speed of execution, they are able to offer a broad range of financing capabilities. In most cases they can close your loan within 30 days.

Commercial Mortgage & Commercial Loans No Upfront Fee Financing Guidelines

Commercial Mortgage Loans No Upfront Fee’s

The due diligence for a commercial real estate loan is a very labor intensive process for both you the lender and bank. Having all of your ducks in-a-row is a key factor to successful financing. Winston Rowe & Associates, a no upfront fee commercial real estate private mortgage company has prepared this article help investors understand the depth of work that is required to obtain commercial real estate financing.

There are few key steps to this process, they are the ensuing.

Required Paperwork

Every commercial lender or bank has their own way of doing things, you will need to submit in their format. Not having all of the required documents could delay the whole process or worse cause your loan request to be declined.

Research Analysis

Before a commercial loan workout is submitted to the lender, a financial snapshot of your situation is needed. The lender is mostly concerned with your ability to pay each month if your loan was restructured to more favorable terms. Determining the current market value, rental rates and recent comparable sales are also important factors to consider. After a review of the note is complete, a workout package is generated.

Submission Documents

Prior to the formal due diligence of your commercial real estate financing request you will have to provide an extensive amount of information.

The ensuing is typical of the basic information that a bank or private commercial lender will ask you for.

A personal financial statement (PFS)
A business history resume
Last three years personal and business tax returns
At least two years of profit and loss statements
A schedule of all real estate owned
Prof and sources of funds of your down payment
Purchase agreement
Schedule of improvements that need to be made to the subject property
Articles of incorporation
4506 and a 4506 T
An appraisal

Reasons To Buy Commercial Investment Property Now – Winston Rowe & Associates

Reasons To Buy Commercial Investment Property

Winston Rowe & Associates’, a no upfront fee commercial real estate financing firm that specializes in the apartment building investments has prepared this article for investors thinking about apartments and multifamily housing for long term investing.

Despite the opinion of some real estate professionals, however, many investors remain on the fence. While each investor must carefully consider their own financial objectives and risk tolerance before jumping back into the market, we’ve listed a few reasons investors should consider in assessing today’s real estate purchase opportunities:

1031 Exchange Opportunities

Investors with low basis properties may utilize Internal Revenue Code a 1031 to defer tax on the sale of one under performing asset to acquire one or more discounted replacement properties that may enhance cash flow and provide higher long term investment returns.

Attractive Purchase Prices

Many distressed sellers (and some banks) are selling investment properties at deep discounts and accepting offers that are below current replacement costs. Recent reports indicate that lenders are selling foreclosed properties (often referred to as a eal estate owned’ or “REO” property) at an average discount of 28% below prices being paid for comparable non-distressed properties in the same market.

Historically Low Financing Costs

The Fed’s stimulus efforts, such as QE2 (“Quantitative Easing 2”), have resulted in historically low interest rates, making the cost of debt service exceptionally attractive. Qualified real estate investors can take advantage of today’s low interest rates to bolster cash flow and lock in better long-term investment returns.

Inflation Hedge

With many economists predicting that inflation will increase at some point in the future, hard assets, like investment real estate, can provide a hedge against the declining value of money in an inflationary environment. Additionally, ownership of leased real estate can provide an investor with increased income as rent rates also tend to rise in inflationary periods.

Yield

Financial institutions are paying very low yields on money market accounts and other conservative investments. In contrast, many investment properties are generating returns in the 7-9% range, providing considerably better yields than many other competing investments.

Less Competition

Foreign ownership of U.S. investment real estate is increasing. Foreign investors see U.S. real estate as a solid investment in a stable economy, and the lower value of the dollar has made U.S. real estate an even more attractive bargain. These two trends will increase demand, which will drive up prices on certain types of investment property. By buying now, investors can stay ahead of the competition.

Desirable Product Classes

Some classes of investment property are experiencing considerably more demand than supply. For example, in the multi-family segment, demand for rentals has increased as foreclosures have mounted and there is little new multi-family construction in the pipeline to meet such increased demand.

As a result, multi-family rents are increasing and many experts project this trend to accelerate.

Worst Price Declines are Over

Property values nationally have declined by 30% or more since the market peak in 2006. Many economists believe we are at an important pivot point where prices will stabilize and begin to increase (albeit at lower appreciation rates than in the past). If investors wait too long, they may find they are facing competing bids and higher prices to close. Buying before demand picks up in the nearly inevitable recovery locks in today’s bargain prices.

Through Winston Rowe & Associates efficient, end-to-end commercial real estate financing solutions they provide commercial mortgage capital to owners of all commercial property types. With flexibility and speed of execution, they are able to offer a broad range of financing capabilities.

Buying and Financing Apartment Buildings With No Upfront Fees

Winston Rowe & Associates, a no upfront fee commercial real estate financing firm that specializes in the apartment building investments.

This article addresses the issues that investors face when financing apartment buildings and multifamily properties.

Although many investors who get their start in the single family realm never aspire to bigger and better things for various personal reasons, there are those for whom eventually dealing with larger properties seems like a natural progression for their business practices to take.

If you are one of these entrepreneurs, you shouldn’t let a fear of the process of purchasing multifamily and commercial properties hold you back from stepping up to the new challenge when you are ready.

This is simply a different realm of investing, meaning a slightly different game to play, but one that is in many ways no more complicated or risky than the single family game, and which is definitely more rewarding in terms of the profits produced versus the time spent.

With a little patience and time spent studying, the rules of the commercial real estate game are surely within your grasp.

Value, as defined in the world of commercial real estate, is based on a property’s current cash flow, taking into account any deferred maintenance issues that need to be addressed. When negotiating in this world the key principle is that you buy at wholesale price, not retail. The wholesale price is the price justified by the property’s current condition, including income, expenses, deferred maintenance, and your desired cap rate.

When calculating the cash flow and cap rate of apartment buildings always remember to factor in all of the expenses; mortgage payments, including principal, interest, taxes, and insurance, vacancy, maintenance, utilities, management, and any other specific expenses related to the property. Be very thorough with your due diligence and inspections. And never base your offer on pro forma cash flow figures.

Pro forma rates are figures projected into the future. Remember that “pro forma” means “imaginary”. As for the target cap rate you choose, this can be a point of negotiation but is somewhat dependent upon appreciation. The lower the appreciation, the higher the cap rate you should demand, and the higher the appreciation, the lower the cap rate you should accept.

Financing works differently in the commercial world than in the single family realm as well.

The main difference is that it is the property that needs to qualify for financing, not the buyer. This is actually a very good thing because it means that the credit history of the person or entity making the purchase is irrelevant, and that you have the safety net of having the deal scrutinized by a lender to make sure the purchase is a justifiable outlay of capital.

Another important difference is that lenders rarely fund more than seventy percent of the purchase price for these types of transactions.

Therefore you should always ask the seller to carry a second mortgage for as much of the difference as possible in order to minimize your out of pocket expenses.

Through Winston Rowe & Associates efficient, end-to-end commercial real estate financing solutions they provide commercial mortgage capital to owners of all commercial property types.

With flexibility and speed of execution, they are able to offer a broad range of financing capabilities.

Commercial Real Estate No Upfront Fee Loan Programs

Commercial Real Estate Financing and Investing Lenders

Winston Rowe & Associates provides customized financing solutions for nationwide commercial loans with no upfront fees.

They are a boutique commercial real estate consultant, providing private mortgage banking services for commercial property investors throughout the United States.

No Upfront Fee Loan Programs:

Apartment Loans

Financing for apartment buildings and multi-family properties with more than 5 units, they provide several direct, highly competitive commercial real estate loan products for qualified properties with commercial mortgages from $2,000,000 up to $500 million plus.

Office Building Loans

Large or small office building financing available with competitive rates, whether you need to refinance an existing office property or you need acquisition financing – we can help you structure the office loan that meets your needs.

Hospitality & Hotel Loans

Getting a hotel loan for a property is possible provided it meets some basic conditions, including that the property is well located and has a profitable operating history.

Retail Property Loans

Flexible lending programs for retail business owners and investors, eligible properties include either anchored or un-anchored single-story retail centers, as well as net leased single tenant properties with certain occupancy and sales requirements.

Apartment Building Financing, No Upfront Fees, Apartment Complex Loans

Apartment Building Financing

Winston Rowe & Associates provides the financing investors and owners need to purchase, build, or refinance an apartment building starting at Two Million Dollars with no limit.

No matter what the size of the building, Winston Rowe & Associates can offer apartment building loans that fit an apartment building owner or investor’s individual needs.

All of their apartment building loans are offered at competitive rates, so owners and investors can spend less on interest and fees and turn an even bigger profit from their investment in an apartment building or complex.

Winston Rowe & Associates provides flexible loan terms and payment schedules available to fit the needs of any owner or investor, whether the funding is used on the purchase of an existing building, the construction of a new building, or the renovation of an existing structure.

Refinancing and debtor in possession loans are available to save current owners money on their mortgage loan payments.

Commercial real estate loan requests, starting at $1,000,000
No upfront application fees
Nationwide apartment loans
24 hour pre-approvals
30 day close with complete submission

Things To Consider When Refinancing A Commercial Loan By Winston Rowe & Associates

Are you looking into a refinance of your current commercial loan agreement? Or has your bank offered to discount your current mortgage? When thinking of your modification, it’s the benefits that you should consider carefully.  This is why savvy commercial real estate investors have been turning to Winston Rowe & Associates a no upfront fee company with a reputation for quality underwriting, fast turnaround, and excellent service,

Why Consider A Commercial Loan Refinance?

Interest Rate Changes

You may have heard other lenders and there offering of low interest rates, or your loan could be tied up with a high interest rate. In such cases it might be possible to refinance loan agreements with another lender or even renegotiate your loan terms with your existing lender.

Extend The Loan Term

Increasing the amortization period from 20 to 25 years, can have a significant impact on the repayment amount. Your overall interest payments would be higher, buy your cash flow would be made healthier by reducing your regular payments. In most cases, business that are having problems making payments can be helped by improving capital in this way.

Cash Out

If you’re lucky and have equity within the business pulling out some cash could free up some spending capital. This can offer at least two major benefits, namely enabling you to invest the capital at a good rate of interest or provide you with a cash sum to enable expansion.

Consolidate Multiple Loans On The Property

You may have a few loans that can be combined into better terms. Many business owners that refinance commercial loans through combing loans in this way can save a great deal in their monthly repayments, particularly useful in a business that relies in a strong cash flow situation.

In your reasoning for refinancing or modification of the loan, there needs to be benefits to you. Otherwise there is no logic in doing so.

This benefit can be related to improved cash flow, tax benefits or expansion through the acquisition of capital assets such as equipment, increased office space or improved manufacturing facilities.

Now let’s consider ‘How’ you are going to refinance your loan

You can either refinance your loan with your existing lender or with an alternative, like Winston Rowe & Associates. If you cannot refinance your loan you might do a commercial loan modification.

Many business owners tend to change their lenders for a better deal: a lower interest rate, longer period, reduced debt amount, or eliminate late payments. A clean loan modification, can and will generate positive results for you as well.

Through Winston Rowe & Associates efficient, end-to-end commercial real estate financing solutions they provide commercial mortgage capital to owners of all commercial property types. With flexibility and speed of execution, they are able to offer a broad range of financing capabilities.

Apartment Building Investment Strategies By Winston Rowe & Associates

Apartment Building Investment Strategies

Winston Rowe & Associates, a commercial real estate financing firm has prepared this article; provide apartment building investors with a clear understanding of the necessary skills, knowledge, and mechanics of commercial real estate investing.

The Internet and Television is flooded with gurus and secret formulas to invest in commercial real estate however most of these so called gurus and formulas are ineffective and actually will have a negative impact on the efforts of the first time apartment building investors for reasons that will be explained in the following article.

Many real estate so called gurus that teach apartment building investment seminars are very successful real estate investors, however, their major flaw as educators lays in the fact that they teach one “system” that has worked for them personally in one or two markets during one small period of time.

For the first time apartment building investor these secret strategies and proven formulas for apartment building investment success can seem irresistible because they promise that investing in commercial real estate is really an armchair activity that requires very little work and pays back big profits.

However, in reality, nothing could be further from the truth. Commercial real estate investing is more difficult and complicated then residential real estate and the beginning investor should first spend as much time as possible learning the subject and studying the market.

Here are some real world tips that we would give to the first time apartment building buyer:

Devour as much commercial real estate investment research, articles, history, methodology, analysis and opinions as possible.

The geographic location of an apartment building investment property can have an enormous impact on its long term value appreciation. It is the relationship between physical location (within a state, a city, or county) and the local economy that can impact the location value of an apartment building most prominently.

Another general point to consider is the overall economic vibrancy of the urban area where the real estate is located.

• Have major corporations recently opened branch offices in the area? Have developers built infrastructure like strip malls and shopping outlets?
• Are there plans to build a utility or factory that could be a supply of well paying employment for prospective tenants?
• A small investor can often make assumptions about economic conditions by watching the activities of large retail commercial construction companies.

Winston Rowe & Associates has the experience and have a deep understanding of the apartment and multifamily vertical market that has helped Winston Rowe & Associates become one of the nation’s fastest growing sources for apartment portfolio loans and refinances.

Finding A No Upfront Fee Commercial Apartment Building Loan Professional

Winston Rowe & Associates is earning a reputation for quality underwriting, fast turnaround, and excellent service, with no fees upfront.

They have relationships with capital sources and access to loan programs specifically tailored to apartment complex and multifamily investors throughout the United States.

Winston Rowe & Associates is on the forefront of the apartment and multifamily financing industry; they have loans for cash out to provide equity for commercial real estate purchases, refinances or the re-positioning of portfolios and bank cram down loans.

Financing the purchase of an apartment building can seem like an overwhelming task for the first time investor.

We have found that both novice and even experienced commercial real estate investors underestimate the amount of work and due diligence that is required on their behalf to get the job done right.

One of the most common errors that we see the novice investor make is to work with a broker who has little experience with commercial mortgages.

Without the specific knowledge of the commercial loan application, submission and underwriting process there is a very good chance that a commercial loan proposal will be outright rejected by the lender or even worse, get buried under a bank officer’s stack of loans that will never even be considered because the loan package wasn’t prepared correctly.

Winston Rowe & Associates has the specialized knowledge and experience of the commercial loan application, submission and underwriting guidelines is the major attribute that you need to look for in a good commercial mortgage broker.

Your commercial mortgage lender should have an intimate knowledge of the underwriting policies of each particular bank and private capital firm to determine where the loan scenario will fit best and stand the best chance of getting funded on time.

For example, some banks will consider income generated from the rental of storage units and the income from laundry machines when computing gross income and some banks will not. A little detail like this can have a big impact on your debt service coverage ratio and the overall success of the loan proposal.

Winston Rowe & Associates is earning a reputation for quality underwriting, fast turnaround, and excellent service, with no fees upfront.

They have relationships with capital sources and access to loan programs specifically tailored to apartment complex and multifamily investors throughout the United States.

We have prepared this article to outline the process of commercial real estate acquisition.

Through their efficient, end-to-end commercial real estate financing solutions Winston Rowe & Associates provides commercial mortgage capital to owners of all commercial property types. With flexibility and speed of execution, they are able to offer a broad range of financing capabilities.

How to Value Apartment Buildings for Investment By Winston Rowe & Associates

How to Value Apartment Buildings for Investment

Winston Rowe & Associates is earning a reputation for quality underwriting, fast turnaround, and excellent service, with no fees upfront. We have prepared this article to outline the process of valuing apartment buildings for commercial real estate investors.

As a real estate investor one of the best investments you can make is the purchase of an apartment building.  By purchasing one of these money makers you can rent them out and realize passive income each and every month. If the idea of becoming a landlord turns you off, then you can simply hire a property management firm to deal with the day-to-day running of the property.

Valuation of Apartment Buildings

One thing that often detracts real estate investors from investing in apartments is the ability to determine their value. By purchasing the right building you will be able to make passive income each month as well as grow a sizeable equity in the building itself over time.

In order to determine the value of an apartment building or multi-family home, you can use the following two equations:

Yearly Income from Rents –Yearly Maintenance/Upkeep Costs = Net Operating Expense

Net Operating Expense x10 = Approximate Value of the Property

While people will try to give you all kinds of numbers and figures on the property, the above is all you really need to make a good estimated valuation of the property itself.
Additional Due Diligence on the Property

In addition, once you have agreed upon a price for the property, then you should start the process of due diligence and take a good look at the income it has been generating each month over the past year or two. You might even want to go so far as to evaluate the current renters and their stability for renting in the future from you.

Financing an Apartment Building

Once you have found an apartment building or multi-family home that you think you want to purchase for investment, you will then need to secure financing for it.

If you have good credit, and you want to use a bank or traditional mortgage lender, they will generally lend to you on a property where you are seeing at least 75% of your net operating income each month in rents. In other words, if the cash is flowing through the property, the bank will want to lend to you. Otherwise, you will likely need to secure private financing through other investors.

Winston Rowe & Associates is on the forefront of the apartment and multifamily financing industry; they have loans for cash out to provide equity for commercial real estate purchases, refinances or the re-positioning of portfolios and bank cram down loans.

Through their efficient, end-to-end commercial real estate financing solutions Winston Rowe & Associates provides commercial mortgage capital to owners of all commercial property types. With flexibility and speed of execution, they are able to offer a broad range of financing capabilities.

Bank Discount Note Financing and Commercial Loan Refinancing No Upfront Fees

Bank Discount Note Financing & Commercial Loan Refinancing No Upfront Fees

Winston Rowe & Associates is earning a reputation for quality underwriting, fast turnaround, and excellent service, with no fees upfront. They specialize in commercial real estate financing for the refinance of commercial mortgages and bank cram downs.

Winston Rowe & Associates has prepared this article to outline the process of a commercial loan modification for commercial real estate investors.

What is a Commercial Loan Modification?

A commercial loan modification is the process of providing for either a permanent or a temporary change in one or more of the terms of a debt obligation or encumbrance because of some type of economic hardship currently affecting the borrower.

Because of the rising number of defaults, banks and commercial lenders, and in attempt to minimize their losses, are willing to restructure the terms of their defaulted loans, in the hopes of avoiding a costly foreclosure process and having to show huge losses to their investors.

By modifying a commercial loan properly, a property owner can avoid foreclosure, and greatly reduce their monthly payment and in some cases reduce the principal amount of their debt.

Examples of these hardships may include, but are not limited to, reduction in the rent roll, because concessions had to be made to tenants in order to keep them viable; loss of tenants due to the current economic conditions, loss of revenue from sales.

What are the types of Commercial properties can you Modify?

Strip-mall
Shopping center
Apartment building
Warehouse
Multi tenant building
Investment property
Business Complex
Office Building
Other Income producing property

Winston Rowe & Associates is on the forefront of the apartment and multifamily financing industry; they have loans for cash out to provide equity for commercial real estate purchases, refinances or the re-positioning of portfolios and bank cram down loans.

Through their efficient, end-to-end commercial real estate financing solutions Winston Rowe & Associates provides commercial mortgage capital to owners of all commercial property types. With flexibility and speed of execution, they are able to offer a broad range of financing capabilities.

Commercial Loans & Apartment Loans No Fees Upfront

No Upfront Fee Apartment Building Lender

Winston Rowe & Associates  is earning a reputation for quality underwriting, fast turnaround, and excellent service. Their relationships with capital sources and access to loan programs benefit commercial real estate investors by offering lower rates, better terms, and a diverse menu of financing options. Not only are Winston Rowe & Associates apartment loans extremely competitive, they also have no upfront fees.

Why Winston Rowe & Associates For Your Next Apartment Building Transaction?

No Upfront Fees
National Coverage
Aggressive underwriting and Low Debt Cover Ratio (DCR) loans (as low as 1.0x) in some markets
Expressions of Interest letters (EOI) generally in 24-48 hours
Private capital hard money available for time sensitive transactions
Up to 30-year fixed rate loans

Winston Rowe & Associates is on the forefront of the commercial financing industry; they have loans for cash out to provide equity for commercial real estate purchases, refinances or the re-positioning of portfolios and bank cram down loans, with no upfront fees.

No Fees Upfront Apartment Complex and Multifamily Loans

No Fees Upfront Apartment Complex & Multifamily Loans

Winston Rowe & Associates is earning a reputation for quality underwriting, fast turnaround, and excellent service, with no fees upfront.

They have relationships with capital sources and access to loan programs specifically tailored to apartment complex and multifamily investors throughout the United States.

Winston Rowe & Associates is on the forefront of the apartment and multifamily financing industry; they have loans for cash out to provide equity for commercial real estate purchases, refinances or the re-positioning of portfolios and bank cram down loans.

Why Use Winston Rowe & Associates For Your Next Apartment Building Transaction?

No Upfront Fees
National Coverage
Aggressive underwriting and Low Debt Cover Ratio (DCR) loans (as low as 1.0x) in some markets
Expressions of Interest letters (EOI) generally in 24-48 hours
Private capital hard money available for time sensitive transactions
Up to 30-year fixed rate loans

Through their efficient, end-to-end commercial real estate financing solutions they provide mortgage capital to owners of all commercial property types. With flexibility and speed of execution, they are able to offer a broad range of financing capabilities.

Apartment Building Financing, No Upfront Fees, Apartment Complex Loans

Winston Rowe & Associates provides the financing investors and owners need to purchase, build, or refinance an apartment building starting at Two Million Dollars with no limit. No matter what the size of the building, Winston Rowe & Associates can offer apartment building loans that fit an apartment building owner or investor’s individual needs.

All of their apartment building loans are offered at competitive rates, so owners and investors can spend less on interest and fees and turn an even bigger profit from their investment in an apartment building or complex.

Winston Rowe & Associates provides flexible loan terms and payment schedules available to fit the needs of any owner or investor, whether the funding is used on the purchase of an existing building, the construction of a new building, or the renovation of an existing structure. Refinancing and bank cram down loans are available to save current owners money on their mortgage loan payments.

Why Winston Rowe & Associates:

Commercial real estate loan requests, starting at $2,000,000
No upfront application fees
Nationwide apartment loans
24 hour pre-approvals
30 day close with complete submission

Commercial Loans & Apartment Loans No Fees Upfront

Winston Rowe & Associates is earning a reputation for quality underwriting, fast turnaround, and excellent service. Their relationships with capital sources and access to loan programs benefit commercial real estate investors by offering lower rates, better terms, and a diverse menu of financing options. Not only are Winston Rowe & Associates apartment loans extremely competitive, they also have no upfront fees.

Why Winston Rowe & Associates For Your Next Apartment Building Transaction?

No Upfront Fees
National Coverage
Aggressive underwriting and Low Debt Cover Ratio (DCR) loans (as low as 1.0x) in some markets
Expressions of Interest letters (EOI) generally in 24-48 hours
Private capital hard money available for time sensitive transactions
Up to 30-year fixed rate loans

Winston Rowe & Associates is on the forefront of the commercial financing industry; they have loans for cash out to provide equity for commercial real estate purchases, refinances or the re-positioning of portfolios and bank cram down loans, with no upfront fees.

Investing In An Apartment Building Guide Winston Rowe & Associates

Successful Apartment Building Investment Strategies

Winston Rowe & Associates is a nationwide, no upfront fee private capital consulting firm has published this article to address the business issues that apartment building investors face. Hopefully, you will find this article informative and turn to Winston Rowe & Associates for your apartment building financing needs.

Overview

Investing in Apartment Buildings can be a great way to improve your financial portfolio and produce passive income or monthly cash flow. However, as with all commercial real estate investing there is a certain level of risk.

For example, keeping the apartments rented and in good condition can be difficult depending upon your location and renters. If you have a great location and great renters your apartment building investment can bring in consistent revenue. If you are willing to shoulder the risks, the rewards of apartment building investing can be substantial.

Investment Strategies

Assuming you have located an Apartment Building you want to purchase. You’re going to need to do some research.

Find out what the occupancy rate is, rent and size of each apartment, gross income of the building for the last three years, taxes and expenses and loan payments for the previous year.

Compare your numbers. Discover potential improvements in the apartment building. Invest in a building that is a balance of a good deal and a sound investment.

First, figure out how much the apartment building is worth. Use an appraiser; however there are other factors to consider before paying for an appraisers opinion. Is the apartment building selling for less than replacement cost? Do the apartments need upgrades or major repair? Is the apartment building near a major employer? What is the overall occupancy rate in the area for apartment buildings?

After taking all of these things into consideration, based on your research decide on what you are willing to pay for the apartment building. Always consider an offer that is lower than your final price. Keep in mind that the asking price is just that – asking price. Always ask, why is it for sale.

Financing Options

You’ve located the apartment building you want to invest in. The next step is obtaining financing, easier said than done, commercial loans are complex and require a lot of due diligence from lenders and or banks. There are many types of financing options for the apartment building, depending on the condition, location, age and occupancy rate.

The first thing to consider when obtaining financing is what type of loan do you need. Then what is the down payment and how much money will you need to qualify.

Bridge Loans

These loans are for commercial properties that are generally high risk investments that cannot qualify for conventional financing until the apartment building has been stabilized or improved. Down payments generally, start at 50% with interest rates starting at 12% interest only. Bridge loans are generally 12 to 18 months. At the end of the bridge loan term, the apartment building should be ready for conventional bank financing.

Conventional Bank Financing

Apartment buildings that qualify for this type of financing have down payments of 20% with occupancy rates of at least 85% and have had a consistent rental history for at least the last two years. Additionally, there are no major improvements that need to be made to the apartment building.

Winston Rowe & Associates has the experience and have a deep understanding of the apartment and multifamily vertical market that has helped Winston Rowe & Associates become one of the nation’s fastest growing sources for apartment portfolio loans and refinances.

Apartment Building Financing, No Upfront Fees, Apartment Complex Loans

Winston Rowe & Associates provides the financing investors and owners need to purchase, build, or refinance an apartment building starting at Two Million Dollars with no limit. No matter what the size of the building, Winston Rowe & Associates can offer apartment building loans that fit an apartment building owner or investor’s individual needs.

All of their apartment building loans are offered at competitive rates, so owners and investors can spend less on interest and fees and turn an even bigger profit from their investment in an apartment building or complex.

Winston Rowe & Associates provides flexible loan terms and payment schedules available to fit the needs of any owner or investor, whether the funding is used on the purchase of an existing building, the construction of a new building, or the renovation of an existing structure.

Refinancing and bank cram down loans are available to save current owners money on their mortgage loan payments.

Why Winston Rowe & Associates

Commercial real estate loan requests, starting at $1,000,000

No upfront application fees

Nationwide apartment loans

 

Commercial Real Estate Loan Programs No Upfront Fees

Winston Rowe & Associates is a boutique commercial real estate mortgage consultant. They provide professional mortgage banking services with a core focus on commercial mortgage loans over $2 million, with a diverse product mix, an innovative commercial lending platform, without upfront fees.

They have commercial real estate loan programs for bank discount note financing (cram downs), hard money bridge loans and conventional purchase and refinance programs. Savvy commercial real estate investors turn to Winston Rowe & Associates when they are in time sensitive situations and need to fund their transactions fast.

Commercial Property Types Considered

Motels, Hotels, Resorts, Apartments, Senior Housing, Mixed Use, Nursing Homes, Assisted Living, Facilities, Hospitals, Medical Buildings, CCRC, Nursing Homes, Shopping Centers, Strip Malls, Truck Stops,  Office Buildings, and Industrial Parks.

They always welcome prospective clients with credit issues.

Commercial Mortgages Shopping Malls No Upfront Fees

Winston Rowe & Associates provides commercial mortgages for shopping centers nationwide with no upfront fees. They have very competitive permanent loans, fast funded private money loans, equity and structured commercial portfolio.

If your project meets the criteria below, they can help you find competitive shopping center financing.

Shopping Center Financing from $2 Million Dollars
Competitive Loan Rates and Terms
Long Term Financing Solutions
Shopping Center Loan for Purchases, Refinancing and Bank Cram Downs
United States Only
No Upfront Fees

Winston Rowe & Associates Commercial Mortgage Retail Building Loans

Winston Rowe & Associates Commercial Mortgage Retail Building Loans No Upfront Fees

Winston Rowe & Associates deploys capital for retail buildings, strip centers, shopping malls throughout the United States, with no upfront fees.

As a boutique commercial real estate consultant, providing mortgage banking services  with a core focus on commercial mortgage loans over $2 million, with a diverse product mix, an innovative commercial lending platform.

Shopping Center Financing from $2 Million Dollars
Competitive Loan Rates and Terms
Long Term Financing Solutions
Shopping Center Loan for Purchases, Refinancing and Bank Cram Downs
United States Only
No Upfront Fees

They always welcome borrowers with income or credit issues.

Refinancing Apartments, Offices, Shopping Centers No Upfront Fees

Winston Rowe & Associates is a boutique commercial mortgage consultant that utilizes a private banking approach for commercial property financing, without upfront fees nationwide.

They have a core focus on commercial mortgage loans over $2 million, with a diverse product mix, an innovative commercial lending platform, and a staff of seasoned, experienced professionals, that can have clients transactions funded within 30 days.

They can provide most client loan approval in 24 hours or less. They always welcome borrowers with income or credit issues.

Winston Rowe & Associates has a streamlined process for evaluating commercial real estate transactions that enables them to offer fast financing solutions to for the following situations:

Acquisition
Investment Purchase
Time Sensitive Close
Rehabilitation
Un-stabilized property
Unfinished construction
Bad Credit
Un-bankable property type
Foreclosure prevention
Chapter 11 / Debtor in Possession Exit Financing
Cash out (Case by case basis)
Bridge Finance
Hard Money Loans
Private Money Mortgages

Shopping Center Financing Commercial Loans No Upfront Fees

Shopping Center Mortgage Loans No Upfront Fees

Commercial Investors need a company that specializes in navigating the complex requirements unique to financing shopping center properties. Winston Rowe & Associates has the extensive knowledge and experience in providing the best financing for shopping centers anywhere in the nation, with no upfront fees.

They have a core focus on commercial mortgage loans over $2 million, with a diverse product mix, an innovative commercial lending platform, and a staff of seasoned, experienced professionals that can have clients transactions funded within 30 days.
Eligible properties include either anchored or un-anchored single-story retail centers, as well as net leased single tenant properties with certain occupancy and sales requirements.

They can provide some clients loan approval in 72 hours or less, with a complete submission. They always welcome borrowers with income or credit issues.

Commercial Shopping Center Financing No Upfront Fees

Commercial Lenders Shopping Center Financing No Upfront Fees

 

Winston Rowe & Associates helps clients with their Shopping Center Financing Needs. They offer financing solutions for both large and small shopping centers.

If your project meets the criteria below, they can help you find competitive shopping center financing.

Shopping Center Financing from $1 Million Dollars
Competitive Loan Rates and Terms
Long Term Financing Solutions
Shopping Center Loan for Purchases, New Construction and Refinancing
United States Only
No Upfront Fees

Winston Rowe & Associates is a boutique commercial mortgage consultant that utilizes a private banking approach for commercial property financing, without upfront fees nationwide.

They have a core focus on commercial mortgage loans over $1 million, with a diverse product mix, an innovative commercial lending platform, and a staff of seasoned, experienced professionals that can have clients transactions funded within 30 days.
They always welcome borrowers with income or credit issues.

Commercial Mortgages Shopping Malls No Upfront Fees

Winston Rowe & Associates provides commercial mortgages for shopping centers nationwide with no upfront fees. They have very competitive permanent loans, fast funded private money loans, equity and structured commercial portfolio.

As a boutique commercial real estate consultant, providing mortgage banking services with a core focus on commercial mortgage loans over $1 million, with a diverse product mix, an innovative commercial lending platform.

If your project meets the criteria below, they can help you find competitive shopping center financing.

Shopping Center Financing from $1 Million Dollars
Competitive Loan Rates and Terms
Long Term Financing Solutions
Shopping Center Loan for Purchases, Refinancing and Bank Cram Downs
United States Only
No Upfront Fees

They always welcome borrowers with income or credit issues.

Winston Rowe & Associates Commercial Mortgage Retail Building Loans – No Upfront Fees

Winston Rowe & Associates deploys capital for retail buildings, strip centers, shopping malls throughout the United States, with no upfront fees.

As a boutique commercial real estate consultant, providing mortgage banking services  with a core focus on commercial mortgage loans over $1 million, with a diverse product mix, an innovative commercial lending platform.

Shopping Center Financing from $2 Million Dollars
Competitive Loan Rates and Terms
Long Term Financing Solutions
Shopping Center Loan for Purchases, Refinancing and Bank Cram Downs
United States Only
No Upfront Fees

They always welcome borrowers with income or credit issues.

Post Your Commercial Loan No Upfront Fees

Post Your Commercial Loan Senerio No Upfront Fees

Winston Rowe & Associates a nationwide consulting firm, providing financing for commercial real estate, with no upfront fees.

Apply online or call us directly, we can have a response to your loan request within 24 hours and can close in 4 to 6 weeks.

We want to hear from you.

 

Winston Rowe & Associates No Upfront Fee Loans

Winston Rowe & Associates No Upfront Fee Commercial Apartment Lending

Winston Rowe & Associates a nationwide consulting firm, providing financing for commercial real estate, with no upfront fees.

Apply online or call us directly, we can have a response to your loan request within 24 hours and can close in 30 days or less.

Apartment Buildings

Office Buildings

Senior Housing

Assisted Living

Medical Buildings

Shopping Centers

Hotels & Resorts

Industrial Complexes

Mixed Use

 

 

Apartment Building Loans California No Upfront Fees

Apartment Building Lenders In California No Upfront Fees

Winston Rowe & Associates specializes in apartment building and multifamily financing in the Los Angeles, San Deigo, San Fransisco, Long Beach And Fresno California commercial real estate markets with no upfront fees.

Winston Rowe & Associates has apartment complex and multifamily financing solutions for investors and owners in the California market.

They work fast to process their client’s apartment complex loans with the best rates available. They can close in less than 30 days. They can also close hard money loans in as little as 5 days.

California Apartment Complex Financing Solutions Include

No Upfront Fees
Financing For Apartments, Student Housing, Senior Housing, Assisted Living
Nationwide Financing Solutions
Hard Money Available
Minimum Loan Amount $2,000,000 with no limit
80% Loan to Value
Transactions Fund Within 30 Days Upon Complete Submission
Buyer of Commercial Real Estate Notes

Call them if you are having trouble getting your loan closed or if you have a unique situation. Winston Rowe & Associates typically has the lowest rates.

Office Building No Upfront Fees Commercial Loans

Office Building Financing No Upfront Fees

Winston Rowe & Associates specializes in office building and industrial park financing, they have the very best permanent loans, fast funded private money loans, equity and structured investments, with no upfront fees for due diligence or the processing of a clients commercial real estate transaction.

As a boutique commercial real estate consultant they provide mortgage banking services for office buildings throughout major metropolitan markets within the US.

They lend strictly on commercial property that is being utilized as an investment by the borrower, their minimum loan amount is $1 Million with no limit.

Winston Rowe & Associates has a streamlined process for evaluating office building transactions that enables them to offer commercial real estate financing solutions for the following situations:

Acquisition
Investment Purchase
Time Sensitive Close
Rehabilitation
Un-stabilized property
Unfinished construction
Bad Credit
Un-bankable property type
Foreclosure prevention
Chapter 11 / Debtor in Possession Exit Financing
Cash out (Case by case basis)
Bridge Finance
Hard Money Loans
Private Money Mortgages

Office Building Loans Financing In New York No Upfront Fees

Winston Rowe & Associates specializes in hotel and hospitality financing, they have the very best permanent loans, fast funded private money loans, equity and structured investments.

Winston Rowe & Associates is a boutique commercial real estate consultant, providing mortgage banking services for hotel and hospitality financing in the New York metropolitan market, with no upfront fees for due diligence or the processing of a clients commercial real estate transaction.

Why Use Winston Rowe & Associates:

No Upfront Fees
Hotel and hospitality loans from $1,000,000 to $100 million
They are honest and straight forward
Hotel loans is part of their core business
They are experts in hotel financing

Winston Rowe & Associates has some of the best service in the business.

San Diego Medical Office Building Loans No Upfront Fees

San Diego Medical Office Building 

Winston Rowe & Associates has commercial financing solutions for the purchase and refinance of medical facilities, clinics, or medical office buildings in the San Diego real estate market with no upfront fees for processing your loan request.

The Winston Rowe & Associates team has the experience necessary to navigate the complex process of medical building finance to ensure that clients get the best medical building loan for their business situation.

If you are a hospital or medical building owner, and monetization is on your goal, Winston Rowe & Associates can help you to maximize the value of your medical building while enhancing your tenant-hospital relationship.

Benefits, Of Winston Rowe & Associates Medical Building Financing:

No Upfront Fees
Nationwide
Loan amounts start at $1,000,000. with no limit
Low, long term fixed rates,
Terms from 5, 10 and even 25 years fixed
Purchase and refinance
All Medical Commercial Property Types Considered

As commercial financing professionals they provide customized medical building loan solutions for all types of investors, doctors and physicians nationwide.

Washington DC Apartment Building Loans

Washington DC Apartment Building Lenders

Winston Rowe & Associates provides highly competitive apartment loans and multifamily loans for properties located in Washington DC. Apartment loans are available for multifamily properties with 5 or more units, with a minimum loan amount of $2,000,000 with no limit and without upfront fees.

Washington DC Apartment Building Loan Programs

No Upfront Fees
Nationwide Loans Available
Loan Amounts From $2,000,0000.
Loan That Close In 30 Days With Complete Submission
Interest Only Payment Options
Market Rents Program
Conduit, Agency, & Portfolio Programs
Hard Money Programs Available
Balloon or No Balloon Terms
Maximum LTV 80% / 85% CLTV
Step Down Prepayment
Minimum DSC of 1.20:1
Stated Income Apartment Loans
40 Year Amortizations Available

Winston Rowe & Associates success is measured by their clients’ success, with their mission is to be their client’s source for the most appropriate and advantageous apartment building financing solutions in Washington DC that help clients achieve their goals.

New York Apartment Building Loans No Upfront Fees

New York Apartment Building Financing No Application Fees

Winston Rowe & Associates has commercial mortgage financing solutions for apartment buildings located within the New York metropolitan are that are over $2 million, without upfront or junk fees.

Winston Rowe & Associates commercial loan financing solutions in New York focus on; multifamily apartment buildings, co-op underlying mortgages, mixed-use properties, retail properties, office buildings, hotels, industrial and net-leased properties. They work with seasoned real estate investors and developers of multifamily rental buildings and condominium developments to arrange optimal financing for their projects.

Through Winston Rowe & Associates extensive contacts within the private capital markets, they can arrange acquisition loans, bridge loans, and permanent financing for both income-producing and owner-occupied properties within the New York metropolitan market and in most cases close in 30 days or less.

New York Metropolitan Apartment Building Financing Solutions Include:

No Upfront Fees
Nationwide Financing Solutions
Hard Money Available
Minimum Loan Amount $1,000,000 with no limit
80% Loan to Value
Transactions Fund Within 30 Days Upon Complete Submission

Winston Rowe & Associates success is measured by our clients’ success, and their mission is to be their client’s source for the most appropriate and advantageous apartment building financing solutions that help clients achieve their goals.

Commercial Hard Money Real Estate Loans No Upfront Fees

Winston Rowe & Associates is a dedicated group of finance experts that provide fast and flexible hard money / private lending solutions for investment real estate transactions, without upfront fees. If you are a borrower with a property flip, rehab, construction project, commercial deal, cash-out refinance, or bankruptcy/foreclosure bailout.

They lend strictly on commercial property that is being utilized as an investment by the borrower, their minimum loan amount is $1 Million with no limit.

Winston Rowe & Associates has a streamlined process for evaluating commercial real estate transactions that enables them to offer fast financing solutions for the following situations:

Acquisition
Investment Purchase
Time Sensitive Close
Rehabilitation
Un-stabilized property
Unfinished construction
Bad Credit
Un-bankable property type
Foreclosure prevention
Chapter 11 / Debtor in Possession Exit Financing
Cash out (Case by case basis)
Bridge Finance
Hard Money Loans
Private Money Mortgages

Office Building Loans Nationwide No Upfront Fees

Winston Rowe & Associates specialize in office building and office complex loans over $1,000,000 with no limit.  They work with a variety of lenders nationwide who offer office building financing with competitive loan rates and terms.

No Upfront or Advance Fees
Office Building Financing from $2,000,000.
Up to 80% LTV
Office Building Financing for Purchases, Refinancing, Cash Outs.
Competitive Office Building Loan Rates and Terms
Nationwide

With Winston Rowe & Associates you can expect efficiency, flexibility and professionalism as they work to get you to the closing table fast, without upfront fees.

Winston Rowe & Associates success is measured by our clients’ success, and their mission is to be your source for the most appropriate and advantageous financing solution that helps you achieve your goals.

Hard Money Bridge Loans With No Upfront Fees

Winston Rowe & Associates provides hard money bridge loan financing for commercial real estate. They take the time to identify their clients specific needs and objectives and match them with the their capital sources who are actively providing bridge loans that meet those needs and objectives, without upfront or advance fees.

Winston Rowe & Associates manages every step of the bridge financing process from document collection to commitment negotiation and closing. Their quality control processes ensure that their clients receive the best rates and terms available for them today.

Their no upfront fee bridge loan programs are intended to provide a fast and efficient solution in the event you have one of the following scenario:

Don’t want to pay upfront fees
Short sale offer from a bank on your existing property
Bank is offering a discounted price on commercial property you wish to purchase or refinance
Need to Close Fast, 30 Days or Less
Eligible Properties: Multifamily, Office, Retail, Hospitality, Industrial.
Ineligible Properties: No land developments or construction
Loan Amount: $2,000,000 minimum – No maximum
Commercial property cash flow has not yet stabilized
Your purchase or refinance request doesn’t qualify for a conventional bank rate type loan
Other Hard money lenders are too expensive and/or less transparent

Winston Rowe & Associates success is measured by our clients’ success, and their mission is to be your source for the most appropriate and advantageous shopping center financing solution that helps you achieve your goals.

Apartment Complex Loans In Chicago No Upfront Fees

Winston Rowe & Associates provides commercial financing solutions for apartment building investors in the Chicago market through their extensive contacts within the private capital markets.

Winston Rowe & Associates specializes in apartment building commercial mortgage loans over $2 Million, with no limit, without upfront or advance fees for due diligence, processing or the review of your apartment building transaction.

Apartment Complex Financing Solutions In Chicago IL Include:

No Upfront Fees
Nationwide Financing Solutions
Minimum Loan Amount $2,000,000 with no limit
80% Loan to Value
Transactions Fund Within 30 Days Upon Complete Submission

Winston Rowe & Associates offers an array of financing options to choose from, with the most competitive programs and interest rates available. Whether you are looking for commercial or investor property financing or creative “out of the box” financing alternatives, they can help.

Winston Rowe & Associates success is measured by our clients’ success, and their mission is to be their client’s source for the most appropriate and advantageous apartment building financing solutions that help clients achieve their goals.

Commercial Loans In California Office Buildings No Upfront Fees

Commercial Lenders In California Office Buildings No Upfront Fees

Winston Rowe & Associates provides commercial financing solutions for office building investors and owners in the Los Angeles, San Deigo, San Fransisco, Long Beach And Fresno California markets, with no upfront fees.

Winston Rowe & Associates specializes in office buildings commercial mortgage loans in the California market over $2 Million, with no limit, for purchase and refinance.
Whether you are looking for commercial or investor property office building financing or creative “out of the box” financing alternatives, Winston Rowe & Associates can help.
California Commercial Office Building Financing Solutions Include:

No Upfront Fees
Nationwide Financing Solutions
Office & Medical Buildings
All Commercial Property Types Considered
Minimum Loan Amount $2,000,000 with no limit
80% Loan to Value
Discount Note Buyers
Transactions Fund Within 30 Days Upon Complete Submission

Winston Rowe & Associates success is measured by our clients’ success, and their mission is to be their client’s source for the most appropriate and advantageous office building financing solutions that help clients achieve their goals.

Winston Rowe & Associates

Winston Rowe and Associates Private Money For Commercial Property

Winston Rowe & Associates works directly with privately funded national private money commercial lenders. They specialize in conventional and non conventional commercial loans.

Winston Rowe & Associates is fundamentally different from other firms. Most of their competitor’s charge non-refundable deposits up front for due-diligence; these fees can run upwards of thousands of dollars. Winston Rowe & Associates does not charge any upfront or advance fees.

Why Choose Winston Rowe & Associates?

No upfront fees
All commercial real estate property types considered
They work Nationwide
Receive an honest answer quickly
Quick closings
There minimum loan amount is $2,000,000.

Structure loans to fit the uniqueness of each transaction

Winston Rowe & Associates has been one of the most trusted and respected private capital firms in the country.

 

 

Apartment Building Apartment Complex Loans

No Upfront or Advance Fees Apartment Building Loans

Winston Rowe & Associates is a financial consulting firm specializing in commercial real estate financing nationwide through direct relationships with private capital lenders.

They are fundamentally different from other firms; they do not charge any upfront or advance fees to its clients.

Winston Rowe can structure your apartment building financing solution with a fixed rate or variable rate and amortize it over a long term if you wish.

Winston Rowe & Associates has been one of the most trusted and respected private capital firms in the country.

Why Work With Winston Rowe & Associates?

No Upfront or Advance Fees
Fast Closing, In Some Cases 30 Days or Less
Apartment Building Financing from $2,000,000 to $500,000,000
Apartment Building Financing for Purchases, Construction and Refinancing
Fixed and Adjustable Apartment Building Loan Rates
Up to 85% LTV
Loan Amortizations Up to 30 Years
Mixed Use Apartment Building Financing
United States Only

 

Commercial Real Estate Mortgage, Loans, No Upfront or Advance Fees

Winston Rowe & Associates commercial lending programs provide an alternative to traditional bank financing, without the upfront fees that is ideal for borrowers seeking commercial real estate loans ranging from $2 to $100 Million.

Winston Rowe & Associates has been one of the most trusted and respected private capital firms in the commercial real estate mortgage business.

As a Nationwide commercial mortgage finance firm Winston Rowe & Associates has programs for up to 80% LTV financing to qualified investors/borrowers for all commercial real estate e types.

Winston Rowe & Associates custom programs are best suited for borrowers who want or require maximum leverage on commercial real estate loans for purchases, refinances or bank cram downs. Their innovative program features include; 48 hour pre-approvals, long terms and amortizations, quick 30 – 45 day closings, multiple pricing options, and zero upfront fees to their clients.

Winston Rowe & Associates Commercial Real Estate Mortgage Advantages Include

No upfront or advance fees
Loan to value 80%
Loan amounts from $1,000,000 to $50 million
Purchase
Bank cram down financing
Refinancing (with limited cash out)
Close in 30 days with a complete submission
Remodeling/Conversions
Nationwide

Winston Rowe & Associates success is measured by our clients’ success, and their mission is to be your source for the most appropriate – and advantageous – commercial financing solution that helps you achieve your goals.

Commercial Loans Hotels – Motel Loans – No Upfront Fees

If you’re looking for hotel/motel financing that comes with customer service, look no further than Winston Rowe & Associates.

Their hospitality financing comes with experienced professionals that can explain your financing plan and how your repayment plan will work, so there’s no guesswork.

There’s little waiting time for hotel/motel financing, so you can purchase a property and start making a profit sooner.

Winston Rowe & Associates has been one of the most trusted and respected private capital firms in the hotel and motel financing business.

Are you ready to find out how much you’ll need to get started in hotel/motel ownership today? Are you a current hotel/motel owner, wondering how much you can save with a refinance through Winston Rowe & Associates?

The Winston Rowe & Associates Advantage:

No Upfront or Advanced Fees
Purchase, Refinance, Bank Cram Down Loans
$1,000,000 to $50 million
Up to 80% Loan to Value
Nationwide

Winston Rowe & Associates knows what a great investment opportunity hotel/motel ownership can be. They offer both mortgage financing and refinancing for an array of hotel owners or soon-to-be owners, for hotel acquisition and construction of new hotel properties.

Their experienced and enthusiastic hospitality professional team has the know how needed to make the loan process as easy as possible for our borrowers.

Winston Rowe & Associates success is measured by our clients’ success, and their mission is to be your source for the most appropriate – and advantageous – hotel financing solution that helps you achieve your goals.

Winston Rowe & Associates Loan Programs

A typical Winston Rowe & Associates client that would be accepted has financing needs from $2 million to $50 million and revenues ranging from $1 million to $250 million with a proven track record of success.

Winston Rowe & Associates considers most commercial real estate types and businesses, because the commercial financial markets are changing daily. We review transactions and accept clients on a case by case basis.

Debt, Equity & Mezzanine Financing

Mezzanine or sub debt is often desirable for companies who do not wish to disturb existing senior debt facilities or for those seeking additional liquidity.

Winston Rowe & Associates has solutions for debt and equity financing and refinancing, first-time financing, leveraged buyouts, management buyouts, divestiture financing, financing for rapidly growing companies, and assisting in acquisitions and mergers.

Bridge Loans

A short-term loan that is used until a company secures permanent financing or removes an existing obligation. This type of financing allows the user to meet current obligations by providing immediate cash flow. The loans are short-term (up to three years) with relatively high interest rates and are always backed by some form of collateral such as real estate or inventory. The maximum loan to value is generally 50%.

Debtor In Possession (DIP) Exit Financing

Companies facing corporate restructuring, bankruptcy, Chapter 11, and financial restructuring, can turn to Winston Rowe for their exit financing. Clients must have a clearly defined and proven exit strategy based on current asset value and cash flow to qualify.

Bank Discount Note Financing & Refinancing

Sometimes known as a Bank Cram Down, in today’s banking climate many businesses have been approached by their current lender to discount their current commercial real estate mortgage. Winston Rowe has both short and long term financing solutions. The maximum loan to value is generally 75%

No Upfront Fee Apartment, Office, Retail Commercial Loans

No Upfront Fee Apartment, Office, Retail Commercial Loans

Winston Rowe & Associates has been one of the most trusted and respected private capital firms in the country. They specialize in commercial loans without upfront fees.

They have commercial loan programs for purchases, new construction, cash outs or refinancing for; land, hospitality, office buildings, retail centers, special purpose, assisted living, medical buildings and industrial properties.

No Upfront Fee Commercial Financing General Guidelines:

Financing for all commercial property types nation wide
Purchase
Refinance
Bridge Loans
Bank Discount Note Financing
Exit Financing For Chapter 11
Financing is available nationwide
Foreclosure financing (Bank Cram Down)

Commercial Real Estate Property Types Considered:

Motels
Hotels
Apartments
Mixed Use
Resorts
Nursing Homes
Senior Apartments
Assisted Living Facilities
Nursing Homes
Hospitals
Shopping Centers
Truck Stops
Office Buildings
Automobile Dealerships
Day Care Centers
Golf Courses
C-Stores
Manufacturing Facilities
Movie Theatres

You can contact Winston Rowe & Associates at 248-246-2243 or visit their web site at http://www.winstonrowe.com

No Upfront Fee Apartment And Multifamily Loans

No Upfront Fee Apartment And Multifamily Loans

Winston Rowe & Associates has hassle free nationwide apartment and multifamily loan programs without upfront fees, for purchase, refinance or for bank discount note financing.

Unlike their competitors, they do not charge any upfront fees to review or submit your transaction.  They only accept transactions that their capital sources have a direct interest in.

Apartment & Multifamily Guidelines:

Multi-Family Housing Over 25 units and Assisted Living
Loans from $2,000,000 to $100,000,000
Up to 80% LTV  
Equity Cash-out, Acquisition, Refinance, Rehab
No Upfront Fees
Fixed Rates

Nationwide Loan Program Types:

Financing for all commercial property types nation wide
Purchase
Refinance
Bridge Loans
Bank Discount Note Financing
Exit Financing For Chapter 11
Financing is available nationwide
Foreclosure financing (Bank Cram Down)

Winston Rowe & Associate has their own in-house review staff with years of experience that will review your transaction and structure it in a way that will get you the best possible terms and the fastest funding possible, without the hassle of upfront fees.

Winton Rowe & Associate
31408 Harper Ave
Suite 147
Saint Clair Shore MI 48082
248-246-2243
processing@winstonrowe.com
http://www.winstonrowe.com

 

No Up Front Fee Commercial Property Loans Nationwide

No Up Front Fee Commercial Property Loans Nationwide

Unlike Winston Rowe & Associates competitors, they do not charge any upfront fees to review or submit your transaction.  They only accept transactions that their capital sources have an interest in.

Winston Rowe & Associate has their own in-house review staff with years of experience that will review your transaction and structure it in a way that will get you the best possible terms and the fastest funding possible.

No Upfront Fee Commercial Financing General Guidelines:

Financing for all commercial property types nation wide
Purchase
Refinance
Bridge Loans
Bank Discount Note Financing
Exit Financing For Chapter 11
Financing is available nationwide
Foreclosure financing (Bank Cram Down)

Commercial Property Types Considered:

Motels
Hotels
Apartments
Mixed Use
Resorts
Nursing Homes
Senior Apartments
Assisted Living Facilities
Nursing Homes
Hospitals
Shopping Centers
Truck Stops
Office Buildings
Automobile Dealerships
Day Care Centers
Golf Courses
C-Stores
Manufacturing Facilities
Movie Theatres

Winston Rowe & Associates company policy is not to charge any upfront fees for due diligence, processing loan file review from its clients.

You can contact Winston Rowe & Associates at 248-246-2243 or visit their web site at http://www.winstonrowe.com

How To Buy An Office Building With No Upfront Fees

How To Buy An Office Building With No Upfront Fees

Winston Rowe & Associates has been one of the most trusted and respected private capital firms in the country. They specialize in commercial loans without any upfront fees.  You can contact Winston Rowe & Associates at 248-246-2243 or http://www.winstonrowe.com

Buying an office building can be a great investment. Still, there are a number of things to consider before you buy an office building.

When the owner of an office building makes the decision to sell his asset, current tenants are often the first individuals he approaches as potential buyers.
From a tenant’s perspective, the idea of buying your office building can be tempting, but is it really a good idea?

There are a lot of upsides to purchasing your office building. For starters, unexpected rent increases become a non-issue. Investment income, asset appreciation, and increased autonomy aren’t bad benefits, either. Yet there are a lot of other considerations that need to be addressed before you take the plunge into commercial property ownership.

Initial Cash Outlay

The purchase of real estate requires a significant outlay of upfront cash. Although the bulk of the funding can be financed, lenders require a downpayment in the neighborhood of 10-20% of the purchase price. If you don’t have that much cash on hand, you’ll have to either divert funds from other areas of the business or recruit investors to raise the amount of cash you need. If your business isn’t in a position to do that, don’t even think about trying to buy your building.

Overhead Costs

The down payment isn’t the only cost associated with owning an office building. If the building is in bad shape, you’ll need to factor the cost of repairs into your calculations. Although tenants will be responsible for the upkeep of their own space, your ongoing expenses will also include the cost of maintaining common areas, landscaping, and parking lots, not to mention taxes and insurance.

Administrative Capacity

Owning an office building isn’t always a bed of roses. Sure it has its advantages, but it can be a lot of hard work, too, especially when it comes to managing the demands of finicky tenants. Even easy going tenants require a certain amount of administrative attention so you can be guaranteed that your administrative workload will increase once you assume ownership. If you don’t have the administrative capacity to absorb the increased workload, you’ll need to hire more help – an expense that can quickly wreak havoc on your efforts to make the purchase financially feasible.

Vacancies

Vacancies are the most frustrating aspect of commercial property ownership. Unlike residential rental properties, commercial properties don’t turnover quickly. It’s not uncommon for commercial spaces to lie dormant for many months before a qualified new tenant can be located. To do it right, your budget needs to account for a certain amount of vacancy as the cost of doing business. Contact a local real estate agent to get an estimate about the amount of vacancies that are reasonable for your area.

The Right Motive

Finally, it’s important to make sure you are purchasing the office building for the right motive. If your motive for purchasing your office building is simply to reduce your monthly expenses or turn a quick buck, you may need to reconsider your decision. However, if your motive is to invest in an asset with the potential for appreciation and a somewhat steady income stream, you’re probably on the right track.