Bridge Loan Parameters – Winston Rowe and Associates

Bridge Loan Parameters Interest Rates

Winston Rowe and Associates, a no advance fee capital source, is pleased to announce our updated bridge loans for commercial real estate nationwide.

No Upfront Fee Bridge Loan Parameters:

Refinance, acquisitions, lease-ups, repositioning / transitional properties, tight closing deadlines, refinancing of maturing loans and partner buyouts for office, retail, industrial, and multi-family.

Rates:

Floating rate loans starting as low as 5.50%

Term

1-3 Years

Up to 75%

DSCR starting at 0.95x

Non recourse

Pre-approval for permanent financing including CMBS

Non-Recourse loans for Limited Service Hotels, Office, Industrial, Retail, Multifamily Starting at $3 Million

Current Rates:

4.05% I 5 YEAR FIXED

4.10% I 10 YEAR FIXED

Term:

5-10 year term

25-30 year amortization

Up to 65% LTV on hospitality transactions

Up to 70% LTV on conventional commercial real estate acquisitions and refinances

DSCR > 1.45x

The goal at Winston Rowe & Associates is to add value to a client’s acquisition or refinance by offering a wide range of commercial real estate financing solutions through their direct access to top national, regional, and local retail banks, hedge funds, hard money and private capital lenders.

 

No Upfront Fee Private Real Estate Hard Money Loans

No Application Fee Commercial Loans

Winston Rowe & Associates is a no upfront fee private and hard money commercial real estate finance firm specializing in immediate and creative financing solutions.

They understand that in this business very few funding requests will fit neatly in a box and therefore they look forward to working with client to identify a unique deal structure that can benefit from their private and hard money loan programs.

If you have any questions concerning private or hard money financing, you can contact
Winston Rowe & Associates at 248-246-2243 or visit them on line at http://www.winstonrowe.com

Winston Rowe & Associates is dedicated to professionalism and quality customer service, focusing on each borrower’s individual circumstances in order to provide flexible and innovative solutions for time sensitive situations.

What can Winston Rowe & Associates do for clients:

  • No Upfront Fees
  • Close Quickly
  • Purchase, Refinance & Cash Out
  • Private Commercial Real Estate Loans
  • Hard Money Loans
  • Foreclosure Bailout
  • Short Term Bridge Loans
  • Construction Financing
  • Bankruptcy Workouts
  • Portfolio Repositioning
  • NPN Financing

 

 

 

Structuring Commercial Bridge Loans

APPLY ON LINE NO UPFRONT FEE COMMERCIAL LOAN

Winston Rowe & Associates, a leading no upfront fee financial advisory and consulting firm focuses on borrowers with immediate financing alternatives to traditional commercial real estate programs.

They are expects at gap (bridge) financing, discounted mortgage buybacks, unpaid tax remittances, foreclosure workouts, bankruptcy resolutions (DIP) and short fuse opportunity financing are all examples of transactions that can be closed with immediately.

Prospective clients can always speak to a principle directly at 248-246-2243 or visit them online at http://www.winstonrowe.com (http://www.winstonrowe.com/) .

They always have straight forward answers to client’s questions and have some of the best service in the business.

When you need to move quickly, Winston Rowe & Associates is prepared to move at the same quick pace as their clients – in weeks not months.

Why CRE Investors Are Turning To Winston Rowe & Associates:

Never an upfront or advance fee

National coverage

Fast funding in less than 30days (with complete submission)

Bridge loans starting at 7%

Loan to value up to 70%

Some of the best service in the business

Streamlined submission process

All real estate types considered

Loan amounts starting at $1,000,000 with no upper limit

Winston Rowe & Associates of their highly skilled team of due diligence and underwriting professionals that can get out of the box transactions funded.

Chapter 11 Bankruptcy Financing

APPLY FOR DIP FINANCING

 

Debtor-in-Possession (DIP) Financing is essentially financing provided to companies who have filed for bankruptcy protection and reorganization under Chapter 11 of the United States Code.

DIP Financing is provided on a post-petition basis — after the filing date of the company’s bankruptcy.

There are many benefits to using Winston Rowe and Associates for Debtor-in-Possession financing:

Experience and Expertise:

Winston Rowe & Associates has a long track record and lengthy history of success in providing DIP Financing.  In conjunction with your attorney, they will help navigate you through the process rapidly and efficiently.

Flexibility:

DIP Financing structures are extremely flexible and can accommodate financing amount starting at $1,000,000.

When speed and experience are important and crucial to your commercial real estate investing success, a principal at Winston Rowe & Associates is always available to speak with prospective clients.

They can be contacted at 248-246-2243 or check them out on line at http://www.winstonrowe.com

Winston Rowe and Associates has Debtor in Possession (DIP) financing in the following states.

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine,  Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming

Selecting “Debt Investing” Vs “Equity Investing” Financing for Commercial Property

WINSTON ROWE AND ASSOCIATES WEB SITE

This is a great explanation of the difference between Equity Investing vs. Debt Investing and how it works from Winston Rowe and Associates.

Winston Rowe & Associates is an equity based private and hard money funding source for commercial properties nationwide without the usual upfront or advance fees. They can be contacted at 248-246-2243.

Equity Investors vs. Debt Investors Differences

The subject of private money is a broad one and one that is vitally important to the success of any real estate investor.

First, when you are raising private money you are generally seeking private lenders. However, not all private lenders are created equal.

Private Money

There are two types of private lenders that you should target when raising private money for your deals: 1) debt investors and 2) equity investors. Your private lenders are investors in your deals so this word can be used interchangeably with lender and in fact, investor is my preferred vernacular.

Debt Investors

Debt investors are people that invest money in your deal for a fixed rate of return. They make an actual loan on the underlying property and you agree to pay them a certain interest rate and make monthly payments over a certain amount of time until the loan is paid in full.

Debt investors do not get equity in the deal or “participate” in additional profits.

Debt investors are the least expensive investor but they take a long time to find. They typically pay debt investors 6-8% interest only and most prefer to be in first lien position on the property so they usually only use debt investors if they can raise 100% of the funds needed to close the deal.

Equity Investors

Equity investors are people that invest money in your deal for a percentage of the profits. They “participate” in your deal and as a result most of these arrangements are referred to as participation deals. Typically these are the investors that get a percentage of the monthly cash flow plus a percentage of the equity.

Equity investors are the most expensive investors you can have in your deal but they take the least amount of time to find. Everybody wants a bigger piece of the pie.

Most new real estate investors think that if an equity investor puts up 25% of the deal then s/he is entitled to 25% of the profit (cash flow + equity). This isn’t necessarily the case. You can structure your equity investor’s participation any way you want.

Commercial real estate investors can view Winston Rowe & Associates products and solutions

They can be contacted at 248 246 2243. A principal is always available to take calls.

Winston Rowe & Associates has hard money financing solutions in the following states:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia,   Washington, Washington DC, West Virginia, Wisconsin, Wyoming

 

Hard Money No Upfront Fees

Hard Money No Upfront Fees

Winston Rowe & Associates, a national commercial hard money finance firm can quickly close on a property, acquire commercial real estate from foreclosure, or take advantage of a short-to-medium term opportunity and provide additional time for the customer to secure a permanent commercial mortgage loan.

Most banks do not offer the range of commercial real estate bridge loans that Winston Rowe & Associates provides because they typically do not fit the bank’s lending criteria due to the speculative nature of the property, the higher level of risk, lack of cash flow, and other factors.

Areas of Winston Rowe & Associates Hard Money Business Practice:

Bridge loans can fund in just a few weeks
Never an upfront or advance fee
They consider all commercial property types
Capital deployment starting at $250,000 through $100,000,000.
Discount bank note financing
Debtor in possession
Opportunistic real estate investments

Winston Rowe & Associates best business practices process ensures that their clients receive lighting fast funding with the most aggressive hard money rates and terms available, while managing every step of the financing process from document collection to commitment negotiation and closing.

Winston Rowe & Associates provides no upfront or advance fee commercial hard money bridge financing in the following states.

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming

Discounted Note Pay Off Financing No Upfront Fees

WINSTON ROWE ASSOCIATES ONLINE

Recently commercial real estate owners have been turning to Winston Rowe & Associates, a no upfront fee national commercial real estate advisory firm specializing in Discounted Note Pay Off’s (DPO) for clients with time sensitive transactions.

Prospective clients seeking additional information about Winston Rowe & Associates and their national commercial real estate financing solutions, they can be contacted at 248-246-2243 or visit them on line at http://www.winstonrowe.com

There are several scenarios where Winston Rowe & Associates can help their clients who are offered a discount to pay off your current commercial real estate loan:

1. Your current loan is maturing and the debt is more than can be refinanced.
2. The current lender has some outside pressure to reduce their CRE exposure.
3. Your property is no able to service the debt.

Winston Rowe & Associates solutions go off of the current value of the property and lend up to 60% LTV for the payoff and if 60% of the property covers the payoff, they have a funding solution the whole payoff. There is no other program like this in the commercial loan business.

How the program works. The minimum transaction size is $2,000,000 with no maximum and can have the financing completed within 30 days.

They have financing solutions in the following markets:

California
Seattle WA
Portland OR
Boise ID
Phoenix AZ
Las Vegas NV
Denver CO
Kansas City MO
St. Louis MO
Dallas/Fort Worth TX
Austin TX
San Antonio TX
Houston TX
Atlanta GA
The Research Triangle in NC
Florida (rather South Florida-Palm Beach to Miami but will consider Orlando & Jacksonville)

 

Tips For Getting A Commercial Bridge Loan – With No Advance Fees

WINSTON ROWE & ASSOCIATES

Winston Rowe & Associates, a no upfront fee finance and advisory firm receives many inquiries from real estate investors every day concerning hard money bridge loans for their commercial properties from around the country.

Most are surprised by the more extensive supporting documentation for the initial due diligence and subsequent underwriting process.

This news article addresses the best uses for commercial real estate bridge loans and what real estate investors should expect when applying.

Commercial real estate investors who would like more information about Winston Rowe & Associates commercial bridge loan financing can contact them at 248-246-2243 or email to; processing@winstonrowe.com

Also investors can check them out online at http://www.winstonrowe.com

What is a commercial bridge loan?

Fist thing to understand about bridge loans is that they are short term loans. Generally between 12 to 36 months with interest rates at double digits.

The advantage of commercial bridge financing is that they fund very quickly, weeks not months and in some cases a bridge loan can be funded in just a few days.

Winston Rowe & Associates uses a best business practices streamlined business model that enables clients to quickly submit a bridge loan request for consideration, before they need to provide the bulk of the supporting documentation.

The most common reasons for bridge financing are the ensuing:

• Distressed real estate acquisitions

• Opportunistic purchases

• Chapter 11 Debtor in Possession (DIP) exit financing

• Bank Payoff Discounted note (DPO) financing

• Upcoming balloon payment

• Cash out refinance

Winston Rowe & Associates provides no upfront or advance fee commercial real estate asset back bridge loans in the following states.

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine,  Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia,   Washington, Washington DC, West Virginia, Wisconsin, Wyoming

 

 

Hard Money Bridge Loans No Upfront Fees

Hard Money Bridge Loans No Upfront Fees

Winston Rowe & Associates is a no advance fee commercial bridge loan specialist, bringing significant experience and proven success in executing today’s time-sensitive commercial bridge loans to real estate operators, owners and borrowers nationwide.

Winston Rowe & Associates has senior bridge loans for borrowers in the apartment, office, retail, residential, hospitality and industrial sectors, to name only a few.

Winston Rowe & Associates operates as a niche capital provider in the commercial real estate arena, offering the ability to provide both debt and equity to real estate developers and borrowers in opportunistic circumstances.

Winston Rowe & Associates takes pride in being one of the few commercial loan advisory and investments banking platforms in the nation offering access to billions of dollars worth of capital specifically meant for commercial real estate financing.

Winston Rowe & Associates provides no upfront or advance fee commercial bridge loans in the following states.

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming

Hard Money Commercial Loans No Upfront Fees

Hard Money Commercial Loans No Upfront Fees

Asset-based, hard money loans are made by private money lenders which are non-institutional (non-bank) capital sources, generally secured by a note and deed of trust, for the purpose of funding a real estate transaction.

They use a very strict set of rules regarding the collateral status of the physical assets being used to obtain a loan.

What is Hard Money Used For:

This type of financing is used for high risk business transactions that traditional banks or institutions will not lend on.

For example; Chapter 11 Bankruptcy, commercial property that is vacant or needs rehabilitation and other types of high risk business ventures, turnaround situations, short-term bridge financing and for investors who want to purchase properties to fix and flip.

Types of Collateral Used:

Asset based lending comprises business or a real estate loan secured by the liquidation value of their assets, generally at quick fire sale values.

A recipient receives this form of financing by offering real estate, inventory, accounts receivable and/or other balance-sheet assets as collateral.

Common assets that are provided as collateral for a hard money loan include physical assets like real estate, such as land and physical properties, company inventory and manufacturing equipment, or physical commodities.

If the borrower fails to repay the loan or defaults, the hard money lender can seize the collateral and sell the assets in order to recoup its loan amount.

In many cases the collateral to secure the loan is two times the value of the loan; hence the hard money lender will make a substantial profit even if the loan defaults.

Due Diligence and Underwriting:

Prior to authorizing a loan, lenders require a relatively lengthy due diligence process, which includes the inspection of the real estate, balance sheet, ledgers and assets to calculate the value of a company’s allowable borrowing capacity.

Costs associated with this analysis vary, but common charges include site visits, collateral evaluations and interest costs.

Hard Money Lending Source:

The objective at Winston Rowe & Associates is to add value to a client’s commercial real estate acquisition or refinance by offering a wide range of hard money, asset based financing solutions for; apartment buildings, hotels, shopping centers, office buildings, industrial property, raw land, medical offices, manufactured home developments and construction projects.

They can be contacted at 248-246-2243 or visit them on line at http://www.winstonrowe.com

Announcing 70% LTV Commercial Bridge Loans No Upfront Fees

Winston Rowe & Associates is pleased to announce one of the most competitive commercial real estate bridge loan solutions in the Nation.

At 70% loan to value (LTV) with a core focus on the commercial asset, this bridge loan is designed for borrowers that need fast funding in days, not weeks or months.

Their bridge loan program is designed for small and medium sized business needing capital deployments from One Million to Fifteen Million Dollars.

Winston Rowe & Associates Program Highlights:

• No Upfront or Advance Fees

• Amortization Interest Only

• Interest Rates Starting at 8%

• Loan Terms from 12 to 36 Months

Funding Uses:

• Time Sensitive Situation

• Property Acquisition

• Note Acquisitions

• Rehabilitation & Redevelopment

• Lease Up & Stabilization

If you would like to learn more about commercial bridge financing options for your business from Winston Rowe & Associates you can check them out online at http://www.winstonrowe.com

Whether it’s an initial purchase or a refinance they have the solution for you. Winston Rowe & Associates offers expert friendly service combined with years of experience and will work with clients to find the best solution that fits your needs.

Commercial Real Estate Bridge Loan Strategies Winston Rowe & Associates

Bridge Loan Strategies

Winston Rowe & Associates, a no advance fee national commercial real estate bridge loan financing firm has prepared this article to provide an understanding of the approach and methodologies of commercial bridge loans. They listen and are there to help.

Commercial Bridge Loan Advantages:

Commercial real estate investors often times turn to Winston Rowe & Associates with time sensitive, opportunistic or distressed commercial real estate transactions, but do not understand the advantages or structures of commercial bridge (gap) financing.

The ensuing are a few scenarios that commercial bridge are utilized for:

Time Sensitive Scenario:

A commercial investor owner has a performing (cash flowing) property with a balloon payment coming due in a month or the current lender has decided not accept payments.

The problem is they can’t get conventional financing in the short time frame and are at risk of losing their property.

In this scenario, the commercial real estate investor can take advantage of a bridge loans short time frame to fund. This will prevent the loss of the property and provide the additional time for the commercial real estate investor to obtain more favorable long term financing.

Opportunistic Scenario:

Winston Rowe & Associates receives many inquiries from prospective commercial real estate investors that have an opportunity to purchase a property at a deep discount. This may be at an auction, or a bank note or a property in bankruptcy.

Discount Note Payoff Scenario:

This is very common in today’s banking climate. Commercial real estate investors are approached by their current mortgage holder (bank) and are offered a discount if they agree to take their business else ware, for various reasons. Bridge loans are an excellent option in this scenario because the faster a borrower can move the better discount they can receive.

Stabilizing Cash Out Bridge Loans with Takeout Financing:

Commercial real estate investors that need cash for various reasons such as; improvements, back taxes, or to acquire another commercial asset can utilize bridge loans for this purpose. Many conventional commercial mortgages do not allow for cash out.

Winston Rowe & Associates are experts with these types of transactions. They have solutions for short term bridge loans with takeout conventional financing.

Debtor in Possession Bankruptcy Financing:

Chapter 11 Business Bankruptcy filed in US District Court Debtor in Possession Financing is a bridge loan solution to have a fast exit from the bankruptcy.

Winston Rowe & Associates is skilled at working with borrowers and their creditors to develop a plan of reorganization (POR) to assist commercial real estate investors with their debtor in possession proceedings.

They have no upfront fee commercial bridge loan finance programs in the following states.

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine,  Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee,   Texas, Utah, Vermont, Virginia,   Washington, Washington DC, West Virginia, Wisconsin, Wyoming

Commercial Bridge Loans and Hard Money Financing No Upfront Fees

COMMERCIAL HARD MONEY LENDERS

 

Winston Rowe & Associates, a no upfront fee commercial bridge loan and hard money specialist offers borrowers an immediate financing alternative for short-term needs. Gap/Bridge financing, discounted mortgage buybacks, unpaid tax remittances, foreclosure workouts, bankruptcy resolutions (DIP) and short fuse opportunity financing.

Bridge Loan Financing Guidelines:

Never an upfront or advance fee
Financing available nationwide
Loan amounts range from $500,000 to $25,000,000.
Interest rates start at 10% interest only
Hard money loans can fund in two weeks with a complete loan file
Borrower must have a clearly defined take out (exit) in place
All commercial property types considered

At Winston Rowe & Associates, they offer their clients access to the most aggressive commercial real estate bridge (hard money) loans in the industry. Whether you are in need of short term financing, such as a bridge loan or hard money loan, or your needs are more long term such as construction or permanent financing, they will work with clients to structure a transaction that will meet or exceed your expectations.

Winston Rowe & Associates provides no upfront fee commercial bridge financing in the following states.

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine,  Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia,   Washington, Washington DC, West Virginia, Wisconsin, Wyoming

National Commercial Real Estate Hard Money Bridge Loans No Upfront Fees

Hard Money Bridge Loans No Upfront Fees

Winston Rowe & Associates provides short term commercial financing or bridge loans on commercial properties including; Multifamily, Office, Industrial, Retail, Self Storage, Assisted Living-Congregate, Hotel/Motel, Special Use, with no upfront or advance fees, nationwide.

You can contact Winston Rowe & Associates at 248-246-2243

Winston Rowe & Associates quick turnaround allows their clients to close bridge loans in a shorter time frame than otherwise required for traditional permanent loans, generally 30 days or less. Bridge financing gives owners the flexibility they need to reposition and stabilize properties.

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.

Why Consider Winston Rowe & Associates For Your Next Bridge Loan:

Fast closing, 30 days or less
No upfront or advance fees
Nationwide financing available
Financing programs starting at $2 Million with no limit
Terms from 12 to 36 months
Debtor in possession (DIP) exit financing
All commercial property types considered
Personal service

Winston Rowe & Associates
248-246-2243
processing@winstonrowe.com

Winston Rowe & Associates provides commercial real estate hard money bridge loans in each of the 50 States.

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine,  Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee,   Texas, Utah, Vermont, Virginia,   Washington, Washington DC, West Virginia, Wisconsin, Wyoming