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Craig Higdon - ArticlesCraig Higdon has over 14 years experience in financing commercial loans, small business loans, construction loans, and land loans. He owns Excelsion Mortgage, a commercial mortgage brokerage offering real estate investors a wide range of resources to help them in their investment activities.
Where Have all the Commercial Lenders Gone?Government Agency guaranteed or sponsored transactions, including: SBA 7(a) and 504, HUD construction loans for multifamily projects, Community Reinvestment Act loans, USDA Business and Industry loans, and to a lesser extent, Fannie Mae and Freddie Mac multifamily loans. Trading Up Using the 1031 ExchangeA powerful method for building real estate holdings is the use of 1031 Exchanges, which lets investors defer capital-gains assessment on investment property by reinvesting sale proceeds into the purchase of new property within a set time period. Survival Tips for Commercial Retail PropertiesBy taking an equity interest in and reducing rent to “fresh” retail models, landlords will drive traffic to shopping centers and improve investment returns on the entire shopping center. Segregate Costs for Better Cash FlowWhile costs such as office equipment and furniture are easily recognizable as personal property, construction-related costs that are often included as part of real property may also qualify for a shorter depreciable life. Picking the Right Commercial Property LenderDepository Institutions which include Banks, S&L’s, Credit Unions, and Mutual Savings Banks. They prefer shorter term financing such as construction and bridge loans with adjustable or short term fixed periods and are very borrower oriented in their underwriting. Multifamily Properties: Strategies for Increasing ProfitsEveryone is well aware of the cyclical nature of commercial real estate, as well as the potential for significant profits to be gleaned by purchasing assets before they rise in price. Is a SBA 7(a) Loan Still a Wise Choice?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 have liquidity issues that have resulted in their reducing their SBA 7(a) loan volume. Individualist vs. CollectivistCommercial REITs and developers are facing serious financing trouble as more than $500 Billion in commercial loans come due this year with very, very few lenders willing or even able to lend. Going Green: What is “LEEDs?”The Green Building Certification Institute (GBCI)–an independent organization– administers LEED certification for all commercial and institutional projects registered under any LEED Rating System. Going Green: Commercial Property Owners Can Cut Expenses with New Solar FilmCommercial property owners face greater economic challenges because of property size, but can also potentially get significant State and Federal tax deductions.
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