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APATMENT OFFICE HOTEL LOANS

CASH OUT - PURCHASE - REFINANCE - WINSTON ROWE & ASSOCIATES

By Winston Rowe & Associates | Mortgage Broker
or Lender in California
  • Texas Office Building Loans – Apartment Lenders - No Upfront Fees

    Posted Under: Market Conditions in Dallas County, Financing in Dallas County, How To... in Dallas County  |  February 19, 2014 6:20 AM  |  257 views  |  No comments
    Winston Rowe & Associates office and apartment loan programs provide permanent fixed rate, bridge and bank discount note financing in Texas for single tenant, multi-tenant, and credit tenant office and apartment properties, with no upfront fees.

    Contact Winston Rowe & Associates directly, if you are having trouble getting your office or apartment building loan closed or if you have a unique situation at; 248-246-2243 or visit their web site at http://www.winstonrowe.com

    Office and Apartment Building Loan Guidelines

    Eligible Properties Stabilized CBD and suburban single, multi, and credit tenant office properties.
    High-rise, low-rise, and office condo property structures permitted.
    Office and apartment properties should be Class B or better.

    For single tenant or anchor tenant properties, lease terms should extend past the fixed term of loan.

    • Loans starting at $2 million
    • Pricing Tiered pricing based on LTV and DSCR
    • Rate buy downs are available
    • Loan Terms 5-20 year fixed terms with 25-30 year amortizations
    • Prepayment Defeasance
    • Personal Guarantees Non-recourse with standard carve outs.
    • Loan-to-Value Maximum 80%

    Winston Rowe & Associates also provides office and apartment loans in the following states, with no upfront fees.

    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
  • Non Recourse Commercial Loans No Upfront Fees

    Posted Under: Market Conditions in Boston, Financing in Boston, How To... in Boston  |  February 18, 2014 11:48 AM  |  547 views  |  No comments
    Winston Rowe & Associates is pleased to announce their new commercial mortgage backed security (CMBS) loans.

    This is one of the most aggressive commercial real estate financing programs in the industry.

    This capital deployment is nationwide, the following are the details:

    • Non-Recourse
    • No Upfront or Advance Fees
    • Loan Amounts Starting at $3,000,000. through $100,000,000.
    • Terms are From Five to Ten Years
    • Fixed Rates Starting at 3.69% (as of1/30/2014)
    • 25 to 30 Year Amortization
    • Up to 65% on Hospitality Transactions
    • Up to 70% LTV on Conventional Commercial Real Estate Acquisitions & Refinances

    Eligible Property Types Include:

    • Service Hotels
    • Office Buildings
    • Industrial Building & Parks
    • Retail & Shopping Centers
    • Multifamily & Apartment Complexes

    Winston Rowe & Associates is a unique type of commercial real estate finance firm, they do not charge any upfront fees like their competitors to review or perform due diligence for your transaction, because of this savvy investors have been turning to them for their financing needs.

    Winston Rowe & Associates always welcomes the opportunity to speak with clients directly. The can be contacted at 248-246-2243 or visit them on line at http://www.winstonrowe.com

    They have non resource CMBS 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
  • No Upfront Fee Hard Money Commercial Real Estate Loans

    Posted Under: Market Conditions, Financing  |  January 25, 2014 9:01 AM  |  117 views  |  No comments
    Winston Rowe & Associates is a leading commercial real estate financing that provides customized commercial hard money financing solutions to real estate professionals, investors and end users taking advantage of current market opportunities.

    Their primary goal is to provide secured commercial real estate and bridge loans quickly, efficiently, and at competitive rates. Winston Rowe & Associates has the in-depth industry knowledge and experience to navigate the current market and provide value to both developers and real estate investors of all types.

    Winston Rowe & Associates offers borrowers a range of commercial funding solutions including bridge loans, foreclosure acquisition lines of credit and debtor in possession financing on industrial, retail, office, self-storage, mobile home parks, industrial and other commercial properties in all major metropolitan areas nationwide.

    CRE Financing Solutions From Winston Rowe & Associates:

    • No Upfront or Advance Fees
    • Loan Amounts Starting at $1,000,000
    • Purchase, Refinance and Cash Out Available
    • National Coverage
    • Funding in Four Weeks of Less Possible

    They always welcome the opportunity to speak with clients directly. You can contact them at 248-246-2243 or visit them on line at http://www.winstonrowe.com

    When it comes to getting a commercial real estate project funded or securing a much needed bridge loan in today’s tight markets, Winston Rowe & Associates offerings are unparalleled, and their professionalism is unmatched.

    Winston Rowe & Associates has non investment commercial real estate consulting and advisory services 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

    Contact
    Staff Writer
    248-246-2243
    processing@winstonrowe.com
  • Apartment Hard Money Loans Lenders No Upfront Fees

    Posted Under: General Area, Market Conditions, Financing  |  January 25, 2014 8:57 AM  |  144 views  |  No comments
    At Winston Rowe & Associates their mission is a driving commitment to delivering fast and flexible loan solutions to commercial real estate investors without the usual advance or upfront fees.

    Understanding which lender to represent and fund your loan is critical in today's challenging market. Winston Rowe & Associates offers competitive private money, hard money or bridge loans for basically any commercial or multifamily properties in most US cities and States.

    Hard money loans from Winston Rowe & Associates can be used for a variety reasons such as time sensitive closings, poor credit, high vacancy rates, poor property conditions, lack of proven income etc. Most property types are considered including: commercial, multifamily, apartment, land loans - Purchase - Commercial Refinance - Cash out.

    Apartment Hard Money Bridge Loan Solutions Include:

    • National Coverage
    • Starting at $1,000,000.
    • No Upfront or Advance Fees

    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 online at http://www.winstonrowe.com

    Winston Rowe & Associates provides apartment building and multifamily 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

    Contact
    Staff Writer
    248-246-2243
    processing@winstonrowe.com
  • Apartment Lenders California No Upfront Fees

    Posted Under: Market Conditions in Santa Monica, Financing in Santa Monica  |  December 18, 2013 6:54 PM  |  174 views  |  No comments
    When it comes to financing an apartment building, Winston Rowe & Associates provides a variety of loans with some of the best rates in the country.

    Whether it's an initial purchase or cash out refinance they have the loan for you. Winston Rowe & Associates offers friendly service combined with years of experience. Best of all, when you contact them, a principal is always ready to speak with prospective clients.

    They can be reached at 248-246-2243 or you can visit them online at http://www.winstonrowe.com

    Winston Rowe & Associates truly understands the unique needs of their California apartment building investor clients. They have a core focus on providing streamlined and expedited due diligence and underwriting experience with no upfront or advance fees.

    The Winston Rowe & Associates Advantage:

    • Never an upfront or advance fee
    • Loan amounts starting at $500,000. through  $100,000,000.
    • Hard money starting at 6.5%
    • Conventional financing starting at 3.5%
    • Financing is available for purchase, cash out refinance and discount note payoff

    When you're looking for a real estate loan, it's important to deal with professionals who recognize that commercial real estate lending needs differ with every situation.

    Whether you are purchasing an apartment building, upgrading your current apartments or need a fast hard money bridge loan, Winston Rowe & Associates can help you select a loan program which fits your needs.

    Their goal is to build a lasting business relationship with clients,

    Winston Rowe & Associates also provides commercial real estate financing in the ensuing 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

    Contact
    Staff Writer
    248-246-2243
    processing@winstonrowe.com
  • Announcing A Record Year for Multifamily Securities – Winston Rowe & Associates

    Posted Under: Market Conditions in California, Financing in California, Investment Properties in California  |  December 13, 2013 7:14 AM  |  206 views  |  No comments
    Winston Rowe & Associates, a national no upfront fee commercial real estate advisory and due diligence firm has prepared this brief market analysis concerning multifamily securities.

    Freddie Mac says it issued a record $28 billion in multifamily securities through 19 K-Deals this year, up from $21.2 billion and 17 K-Deals in 2012.

    In a statement, Freddie reported that its private investor base grew to more than 140 domestic and international investors. Typical investors are life insurance companies, banks, pension funds, money managers and hedge funds, some of whom assume first loss positions, reducing taxpayer risk.

    “The primary financing mechanism for the multifamily industry is securitization, and we are the industry leader in that space,” said Mitchell Resnick, Freddie Mac Multifamily vice president of loan pricing and securitization. “We are the most prolific issuer of CMBS backed by multifamily mortgages since the market crash in 2009.”

    Resnick added, “We look forward to the continued health of the multifamily market and for demand to remain strong in 2014. We expect to issue approximately $25 billion in multifamily securities across 15 to 20 K-Deals next year. However, this is dependent upon FHFA’s guidance for 2014, which has not yet been announced.”

    Winston Rowe & Associates always welcomes the opportunity to speak with clients directly. The can be contacted at 248-246-2243 or visit them on line at http://www.winstonrowe.com

    Winston Rowe & Associates provides no upfront or advance fee due diligence and advisory services 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

    Contact
    Staff Writer
    248-246-2243
    processing@winstonrowe.com
  • Commercial Real Estate Finance Options for Challenging Situations

    Posted Under: Market Conditions in Florida, Financing in Florida, How To... in Florida  |  December 9, 2013 10:26 AM  |  200 views  |  No comments
    Winston Rowe & Associates a national non investment due diligence, advisory and consulting firm specializing in structuring complex debt, private equity and institutional financing for commercial real estate.

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

    A common perception in today’s economy is that commercial banks do not want to lend. As anyone who works for a commercial bank can attest, this quite frankly is dead wrong. In fact, commercial banks are clamoring to put money into operating companies that have annual positive cash flow of more than $5 million and working capital assets.

    Lending standards have stiffened considerably since then, but banks still desperately want to provide loans to creditworthy companies. They are flush with cash, and interest rates are at historic lows. The main issue lenders are having with making loans is that their customers are showing very little demand for them. Corporations have record amounts of cash on their balance sheets, and companies that have credit lines continue to use them at abnormally low levels. While 60 percent was once viewed as a normal overall usage rate for credit lines, the figure has hovered around the 40 percent range for the past several years.

    Asset-Based Loans:

    An asset-based loan is secured by a company’s collateral, typically through its working capital. Collateral used includes accounts receivable and the raw material and finished goods portion of inventory. Secured capital can be up to 85 percent of accounts receivable and up to 60 percent of inventory. There are two main types of loan structures for asset-based loans:

    Asset-based loans are used in a multitude of business situations. They are particularly useful when traditional credit is tight or a company does not have sufficient cash-flow stability to qualify for a traditional loan. An asset-based loan is also an option for companies that have large amounts of working capital, are seeking expansion, or need to restructure.

    Companies seeking alternative lending options often do not have the luxury of time to wait for approval of a traditional loan. Turnaround time for securing an asset-based loan can be quite short. Asset-based loans can be used to help smooth out the unpredictability that operating firms face as they navigate through changing business climates. They can help to stabilize liquidity, enabling a company to operate more efficiently. Funds and nontraditional banks lend at a higher percentage of accounts receivable and inventory than traditional banks do. Asset-based loans also allow companies to maintain ownership of their assets.

    Factoring:

    Factoring involves the sale of an asset, such as accounts receivable or purchase orders, to an outside firm to help a company manage its collections and finances. Factoring creates an environment in which a lender becomes intimately involved with a company because the factor becomes the owner of the asset. Therefore, the factor is vested in the success of the firm, although a factoring arrangement is usually short-term.

    Factoring is an option for companies that are growing rapidly, such as a start-up, but need assistance with managing their receivables and invoices. It is also an option for a company that cannot obtain traditional or alternative lending, but has either substantial working capital to collateralize or purchase orders that are enticing to factors.

    Purchase Order Financing:

    Purchase order financing is a short-term financing method that allows companies to collateralize their invoice orders to obtain financing.

    Purchase order financing can be a funding source for companies that have purchase orders representing large amounts of future revenue on their books, but low levels of cash flow or collateral assets. The financing arrangement allows a company to purchase raw materials to continue developing goods that buyers have previously ordered. Financiers are willing to lend on purchase orders because buyers have set a demand precedent for the product. Purchase order financing is an option for companies that are undergoing rapid growth, such as start-ups or companies executing aggressive growth strategies.

    The main advantages of purchase order financing are that qualifying is relatively simple and that it can be implemented quickly. The main disadvantage is that it is more costly than traditional lending.

    SBA Loans:

    U.S. Small Business Administration (SBA) loans are orchestrated to help small businesses meet their capital funding needs when they are having problems securing traditional loans. Designed to spur small-business activity and therefore increase overall economic activity, SBA loans help small businesses secure financing through a variety of lending sources by guaranteeing repayment of up to 75 percent of the amount of the loan.

    The SBA connects companies with third-party lenders that are geared to meeting specific lending needs of small businesses. Typically, SBA loans are available for up to $5 million but in some cases may be as high as $10 million.

    Because of the repayment guarantee, underwriting due diligence is not as stringent for SBA loan approval as it is for traditional loans. One drawback to an SBA loan is the upfront cost. Borrowers must pay from 2.5 to 3.5 percent of the loan amount upon initiation.

    Mezzanine Financing:

    Mezzanine financing is a capital raise that involves a mix of both debt and equity. Namely, it is debt capital with equity warrants attached. Mezzanine financing is a subordinated form of capital, junior to the senior loans of banks and venture capitalists. It is a viable alternative for companies looking to expand via acquisitions, initial public offerings (IPOs), or organic growth. The advantage of mezzanine financing is that it can be obtained quickly because little or no collateral is required to secure the loan. It also acts as an equity component on the balance sheet and may ultimately help a firm secure a traditional loan. The main disadvantage is cost. Lenders who issue mezzanine financing typically seek returns in the 20 to 30 percent range.

    Hard Money Lenders:

    Hard money lenders are often referred to as lenders of last resort. A hard money loan is secured by the value of a company’s property, not by its collateral. These loans are sometimes used for distressed debt and turnaround situations, normally by companies that have a great deal of equity on their balance sheets. The loans are usually short-term. Under no circumstances will traditional lenders issue loans under these terms.

    The advantage is that a company finds a lender that is willing to issue a loan. The disadvantage is the cost of the loan and the risk inherent with a loan of this nature.
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