迈克·卡尔森 has the ability to analyze and plan a strategy which takes advantage of market conditions, incorporates the best financing options and most importantly, 最大化你的权益回报.
加里·米
2003 ~现在
Lenders care mainly about the following during the loan application process; the historical and current performance of the subject property; your personal financial strength as a borrower; and your experience as an investor or operator of income-producing assets (whether as a business owner, 房东, 或物业经理).
After communicating your loan needs to the experts at Realty Yield, we will request that you provide some preliminary information that will allow us to begin "shopping" for the best loan for your particular needs. 这些项目将包括:
+ Description and details about your (subject) property
+当前贷款/抵押信息
+每个借款人的简历/简历
+ 个人财务报表(PFS) for each borrower
+ Schedule of Real Estate Owned (SREO) for each borrower
+当前你的(主题)财产的租期
+ Prior two-2 years and year-to-date Operating Statements
From here, you will receive one or more loan quote offers from the lenders in our network. 在初步报价中进行选择后, the process of making formal loan application will begin. The chosen lender will pre-underwrite your loan to evaluate the risks related to your credit, 能力, 以及你抵押品的状况. 一旦初步承销完成, the lender will provide you with a Term Sheet – also known as a Letter-of-Intent (LOI), 概述对贷款的全部期望. 从那里, 贷方将要求评估, any other required third-party reports and move your file through the formal underwriting process. The Credit Department will then generate a FINAL Commitment Letter and close the transaction through escrow.
在申请程序的早期阶段, you should expect prospective lenders to ask for resumes or bios demonstrating your track record with past commercial mortgages, 投资伟德注册中心, 或小型企业. 在承销过程中, your chosen lender will need more formal documentation (see 文档 section below) to fully underwrite your loan. 贷方将进行信用检查, and possibly (depending on the lender) require a background check. 贷方可能还想检查你的商业计划, 参考文献, 财务报表, 或者你净资产的当前证明.
Every lender operates on its own schedule and some are faster than others. Having the experts at Realty Yield connect you to the right lenders will streamline the process to help move things as quickly as possible. The timeline varies depending on your mortgage needs: For short-term bridge or private financing, 我们可以帮助借贷者看到快速关闭, 通常在30天内. For first-lien mortgages up to $10M, timelines between 45 and 75 days should be expected.
The documentation you will need to provide for the underwriting of your apartment/commercial mortgage varies depending on the type of loan and the amount of capital you want to borrow. In general, the more documentation provided, the better the rate/terms.