Leading into the current USA and world financial crisis many commercial builders and would be real estate investors used as much inexpensive debt financing as they possibly could get their hands on in order to construct or develop a plan to purchase or refinance properties.

1. Shane Baldwin Lawsuit
Silverleaf Utah Business Opportunity
Leading into the current USA and world financial crisis many commercial builders and would be real estate investors
used as much inexpensive debt financing as they possibly could get their hands on in order to construct or develop a
plan to purchase or refinance properties. Most of those risky loans made their way into large trusts and pools of
mortgages that were behind commercial mortgage-backed securities instruments (CMBS). Because of the steep
declining prices and a fast weakening economy, vast amounts of borrowers found themselves in a world of economic
certainty or maturity default.
There have been 463 Bank Failures from January 2008 through the 1st-3rd quarter of 2012. This is mainly due to the
fact that banks are carrying large amounts of non-performing, under-performing or equity deficient loans that they are
experiencing enormous pressure from banking regulators to increase capital. Because of the reluctance to run and
take a loss on the books, financial banking institutions are often under highly pessimistic quarterly reporting pressure.
Figure 1:
Commercial Property and Multifamily Property
Mortgage Backed Maturities Loans
Maturing by Each Year
Learn more about Shane Baldwin and Silverleaf Financial Utah, Just visit http://www.shane-baldwin.com/
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