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Craig Higdon



Article By Craig Higdon Total Approved Articles: 49
Article Title Submit Date
Where Have all the Commercial Lenders Gone? June 11, 2009
Government Agency guaranteed or sponsored transactions, including: SBA 7(a) and 504, HUD construction loans for multifamily projects, Community Reinv ...
Trading Up Using the 1031 Exchange June 11, 2009
A powerful method for building real estate holdings is the use of 1031 Exchanges, which lets investors defer capital-gains assessment on investment pr ...
Survival Tips for Commercial Retail Properties June 11, 2009
By taking an equity interest in and reducing rent to “fresh” retail models, landlords will drive traffic to shopping centers and improve investment re ...
Segregate Costs for Better Cash Flow June 11, 2009
While costs such as office equipment and furniture are easily recognizable as personal property, construction-related costs that are often included as ...
Multifamily Properties: Strategies for Increasing Profits June 10, 2009
Everyone is well aware of the cyclical nature of commercial real estate, as well as the potential for significant profits to be gleaned by purchasing ...
Is a SBA 7(a) Loan Still a Wise Choice? June 10, 2009
This surprisingly high reduction in loan volume was also noticeable in the 13% drop in the programs combined loan value. On the supply side, banks ha ...
Individualist vs. Collectivist June 10, 2009
Commercial REITs and developers are facing serious financing trouble as more than $500 Billion in commercial loans come due this year with very, very ...
Going Green: What is LEEDs? June 10, 2009
The Green Building Certification Institute (GBCI)an independent organization administers LEED certification for all commercial and institutional proje ...
Going Green: Commercial Property Owners Can Cut Expenses with New Solar Film June 09, 2009
Commercial property owners face greater economic challenges because of property size, but can also potentially get significant State and Federal tax d ...
Commercial Real Investment Strategy: Specialize June 09, 2009
There are several advantages to being a Specialist in commercial real estate.
Commercial Real Estate Lives! June 06, 2009
Even in Las Vegas, one of the most overbuilt markets in the country, I found construction activity on several projects. For some commercial real esta ...
Commercial Real Estate Financing: Who Controls the Third Party Reports? June 06, 2009
Who Controls The Third Party Reports? In light of recent “events” in the mortgage markets, it comes as no surprise that lenders are changing how they ...
Create Personal Wealth Beyond Your Small Business, Part 4 April 29, 2008
Let’s examine amortization and how you can turn the tables on your lenders. You see, amortized loans were created by bankers and are structured so th ...
Create Personal Wealth Beyond Your Small Business, Part 3 January 21, 2008
From these reasons it should be fairly straightforward to derive the small business owner’s real estate wealth building strategy. First, look for a p ...
Create Personal Wealth Beyond Your Small Business, Part 1 January 18, 2008
It helps qualified small businesses obtain financing when they might not be eligible for business loans through normal lending channels. It is also t ...
Create Personal Wealth Beyond Your Small Business, Part 2 January 21, 2008
This type of commercial real estate loan looks at the property as if it was purely an investment. So from a small business owner’s perspective, this ...
Commercial Land: The Asset That Lenders Forgot May 04, 2007
My home loan is at 6% and you are telling me that a lender wants over 10% for a land loan?
Real Estate Investing’s Inner Game April 17, 2007
Granted, the mechanics of multifamily real estate are slightly different than for multiunit residential, but in this case the questioner is already a ...
Commercial Real Estate Credit April 11, 2007
Good credit for a commercial real estate investor usually means about twelve to fifteen “trade lines” of seasoned credit in a credit report, with seve ...
Commercial Real Estate Investment Decisions April 03, 2007
For most people who have done some real estate investing, they have probably focused on residential investment properties.
Small Business Real Estate Financing Opportunities March 26, 2007
Buying real estate for your small business offers you, as the business owner, several advantages over leasing. There are two types of small business ...
Commercial Real Estate Mentors March 19, 2007
Have you ever stopped to consider why the best sports figures and Fortune 500 CEOs hire coaches? On the surface it doesn’t make sense. These people ...
Commercial Real Estate Loan Myth Debunked! March 06, 2007
Here is the reality concerning commercial real estate from a lender’s perspective: Commercial real estate is considered an investment, not a basic ne ...
What Is The Best Commercial Real Estate Loan? February 27, 2007
Commercial real estate and commercial real estate loans have a lot of “moving parts” and the approach that commercial lenders take is far different fr ...
Effective Real Estate Strategies for Slow Markets February 21, 2007
The market for local and national real estate can turn quickly and it is important for every investor in real estate, from the largest player to the s ...
Insurance and Commercial Real Estate February 15, 2007
Even though the market for residential real estate has begun to cool, commercial real estate investment opportunities abound. There are other risks i ...
How to Purchase Underperforming Properties with Construction Loans February 06, 2007
In older investment properties, commercial properties that have been neglected by the current owner, or properties whose owners’ have fallen on hard t ...
Commercial Real Estate Syndication: Controlling the Property January 29, 2007
Your goal is to control the property without risking any of your money. As the Syndicator of group investment, you need to perform a Due Diligence in ...
Apartment Loans: Common Multifamily Misconceptions January 23, 2007
A property selling for $1,000,000 with $100,000 in annual income has a GRM of 10. The cap rate measures the return on investment for the capital inves ...
Success Strategies: Time, the Only Un-renewable Resource! November 30, 2006
Time. Tick, tick, ticking away. This moment ... gone. There are myriad "systems" to help you organize your time. Let's find out how much your time ...
Loan Philosophy: The Difference Between Lenders and Investors November 30, 2006
First, because no one offered a 90% loan on commercial property and second, because the property most likely wouldn't have supported the debt service.
Lending Changes: Stated Income Documentation Comes to Commercial November 30, 2006
For a while now I've written about the latest "change" in commercial lending: "The Small Balance Commercial Lender." These guys are re-writing the r ...
Financing Strategies: Shorten Your Term with Cash Out November 29, 2006
Many purchased properties while prices were rising and even though rates were at historic lows, they chose adjustable rate mortgages in order to incre ...
Assessing the Commercial Real Estate Market November 29, 2006
Further, real estate investors need to make the distinction between local salary levels and levels of disposable income.
Construction Loans: The Myth of the "Future Appraisal" November 29, 2006
Unfortunately, it's impossible to appraise something "in the future." With a set of plans, you can literally create value from nothing, as most succe ...
Commercial Loans: How You Win Even If You Lose November 28, 2006
We all understand the basic OPM approach for investment property: Get some investors together, pool their money, buy a property together, and get a pi ...
Commercial Loans: There are Some New Sheriffs in Small Property Town! November 28, 2006
For loan amounts up to $1.5MM on commercial properties, we can get the Loan-to-Value (LTV) as high as 90% in some cases regardless of the property's c ...
Commercial Loans: The Power of Permits November 28, 2006
I've had real incentive to consider this week's topic: How permits affect commercial loan underwriting. To be clear, "un-permitted" work on a proper ...
Commercial Real Estate Syndication: Property Selection and Purchase, Part 2 January 22, 2007
We’ve been discussing the process of assembling groups of investors for the purpose of acquiring income producing commercial real estate.
Commercial Real Estate Syndication: Property Selection and Purchase, Part 1 January 17, 2007
Let’s assume that you’ve decided to start assembling groups of investors to buy investment real estate. Here is a breakdown of property types and thei ...
Commercial Real Estate: Outlook at the Power Breakfast January 15, 2007
Commercial real estate lenders are awash in money thanks to Collateralized Debt Obligations. Large funds are taking on more real estate, making it a l ...
A Roadmap for Commercial Real Estate Syndications, Part 2 January 08, 2007
Each of the members of the LLC (as individuals) has to sign a Property Management Agreement that employs the Syndicator as the day to day manager of t ...
A Roadmap for Commercial Real Estate Syndication, Part 1 January 02, 2007
The process and responsibilities involved in commercial property management.
Commercial Real Estate - How to Ask Your Discovery Questions December 18, 2006
In order to make a successful commercial real estate investment you need to know the right questions to ask and the right way to ask them. Asking the ...
Get a “Leg Up” On Planning Your Commercial Real Estate Investment Activities in 2007 December 18, 2006
Plans need room to adjust to changing conditions, so setting aside “update time” is critical to the process. A plan without measurement is only a drea ...
Commercial Real Estate: The Importance of Population Trends December 07, 2006
Property values decline, but local populations remain high. It is easy to see how population movement and population growth impact the housing market ...
Commercial Real Estate: Asking the Right Questions December 06, 2006
There are many “insider” commercial real estate secrets. One of the most important secrets is knowing the right questions to ask when investigating a ...
Commercial Real Estate: Raising Equity December 11, 2006
Those researching the subject of commercial real estate investment are likely to encounter the term “OPM” on a regular basis. OPM is an acronym for “ ...
Commercial Loans: How Mezzanine Debt Closes the Deal December 05, 2006
The Mezzanine mortgage lender uses the membership interests of the LLC as collateral for their loan instead of the property. Purchase accomplished!



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