Mortgage statistics can help real estate investors and homebuyers who are looking to borrow money to buy a house or rental property research and find the best rates and terms. Having data on mortgage trends can also help to determine the best time to buy an investment property and evaluate a property’s positive cash flow….
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What Is EBITDA: Formula, Definition, and History
Earnings before interest, taxes, depreciation, and amortization (EBITDA) is a measure of a company’s revenue before accounting for deductions related to interest expense, taxes, depreciation, and amortization. It is a method of determining the health and value of a business that discounts how the business is financed as well as accounting and tax strategies. What…
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Hard Money Loan Calculator: How Much Will Your Loan Cost?
Hard money loans are typically the fastest route to financing rehabs or property flips. Hard money loans are usually approved based on the property’s value rather than the buyer’s qualifications. However, hard money is often more expensive than traditional financing. Our hard money loan calculator will help you determine how much hard money might cost….
Hotel Financing: Loans to Build, Buy, Renovate, or Refinance
Hotel financing can be used to build, buy, renovate, or refinance a hotel or motel. The four main types of hotel loans are SBA 7(a) loans, SBA 504 loans, USDA B&I loans, and conventional bank loans. You can typically see rates for hotel financing between 5% to 9%, with repayment terms up to 25 years….
Mixed-use Loans: The Ultimate Guide on Financing a Mixed-use Building
Mixed-use loans help businesses and real estate investors finance mixed-use buildings. Mixed-use buildings that qualify for financing typically have multiple units zoned for different uses, such as residential, commercial, industrial, or institutional. Mixed-use property loans can be both short-term and long-term with terms that range from six months to 30 years. Live Oak Bank is…
What Is a UCC Filing & How a UCC Lien Works
A UCC lien filing, or UCC filing, is a notice lenders file when a business owner takes a loan against an asset. A UCC filing gives lenders a claim on assets a debtor pledges as collateral. The term originates from the Uniform Commercial Code (UCC), a set of rules governing commercial transactions. Strong borrowers may…
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Commercial Real Estate Loans: The Ultimate Guide
A commercial real estate loan is most commonly used to purchase and/or renovate an owner-occupied commercial property. Commercial real estate loans typically cost 1% to 5% upfront and 5% to 12% per year in interest. Commercial mortgages are used to finance commercial real estate for mixed-use buildings, retail centers, and office buildings. What a Commercial…
Investment Property Line of Credit (LOC): The Ultimate Guide
An investment property line of credit (LOC) is a short-term financing option for non-owner-occupied properties. Investors will typically qualify for a predetermined amount and then draw cash from that amount as they need it. It’s revolving like a credit card where you only pay interest on the money you actually use. If you’re an investor…
6 Best Real Estate Portfolio Lenders 2019
Portfolio lenders keep their loans on their balance sheet, rather than selling them or following Fannie Mae guidelines. Portfolio lending offers flexible borrower qualifications and fast closings so investors can compete with cash buyers. We reviewed the most popular national portfolio lenders and chose the top six considering rate, terms, property types, and qualifications. Top…
Best Hard Money Lenders 2019
Hard money lenders offer short-term loans to purchase and renovate properties. Hard money lenders charge higher rates but offer faster funding turnaround and, sometimes, no credit criteria. We researched over 20 hard money lenders comparing rates, terms, qualifications, application processes, funding turnaround, and reviews to compile a list of our top eight below. 8 Top…
Where to Get Investment Property Loans for Rental Property
Investment property loans are usually found through online mortgage providers, investor-only lenders, and national banks. Investment property loan amounts typically range from $45,000 to $2 million or higher. Rental property loans usually require a minimum down payment of 20%. Buy and hold investors generally use long-term investment property loans. If you’re looking for an investment…
20 Best Finance Books
Many people fall prey to financial pitfalls, which makes achieving financial freedom more challenging. The good news is, there are many ways we can learn how to better manage our money to achieve financial stability. One great way is through reading. In this article, we list the best personal finance books for you to consider….
