Current stats on commercial real estate deals, metros to watch in the year year, lending trends and risk tolerance as we head into 2014.
Presented by Dianne Crocker, Principal Analyst, EDR Insight
EBA RMC monthly call, January 2014
The annual rate of growth in housing credit has started to stall over recent months and with the banks tightening their lending criteria where will it go from here?
Shawn beus comparison and results of government- economic loan funds 2018Marian Hein
This document compares small business loan programs available in Davis County, Ogden City, and Salt Lake City, Utah. It provides details on the types of loans offered such as maximum loan amounts, interest rates, eligibility requirements, and intended outcomes of the programs. For example, the Davis County Economic Development Fund offers loans up to $250,000 for new businesses and $500,000 for existing businesses, with the goal of job creation and supporting priority industries. The Ogden City loan programs provide amounts from $5,000 to $99,000 for purposes such as job creation and economic development benefit to the city. Reported outcomes from these programs include increased total business revenue and new jobs created in the regions.
The document discusses investment opportunities in today's real estate market through a company called Buying and Selling Opportunities (BSO). BSO uses investor funds to purchase foreclosed and discounted properties, renovate them, then profit from lease options or resale. Investors can expect annual returns of 10-15% depending on the investment amount and time frame. An example deal is provided where a short sale property is purchased for $78K using a $25K investor loan, then leased for $130K over 2 years providing the investor a $7,500 return.
Small business lending index september 2015Biz2Credit
Big banks increased 22.5% of small business loan requests in September 2015, up from 22.3% in July. In the past six months, big banks up and down by a few tenths of a percentage points.
This document provides information about financing options for residential real estate investors from Professional Capital Partners. They offer 12-month interest only loans with no prepayment penalty for financing the purchase and repair of investment properties. The loans have rates from 8.19% to 12.9% and finance up to 90% of purchase and repair costs or 70% of the after repair value. They provide minimum loans of $75,000 up to $2,000,000 for single family homes, 2-4 unit properties, condominiums and townhomes in 40 states. Borrowers must have no bankruptcies, foreclosures or late payments in the past 36 months.
Peer-to-peer (P2P) lending platforms like Zopa and Prosper allow individuals to borrow and lend money without going through a traditional bank. Lenders choose loans to fund and set their own interest rates. Borrowers receive loan amounts and pay monthly payments directly to their lenders. P2P lending offers competitive rates for borrowers and high returns for lenders. However, risks include lack of regulation, no collateral from borrowers, and potential platform failures reducing confidence. For P2P lending to grow, increased awareness, regulation, and technology are needed to build trust and better screening while expanding into new loan categories could also help.
You May Be Paying Too Much for Your MortgageDawn Hicks
This document discusses how mortgage rates and terms can vary greatly between lenders and that some borrowers may qualify for better terms now that could save them thousands. It provides an example showing that on a $200,000, 30-year fixed rate mortgage, the monthly payment for a borrower with a 700 credit score and 6.2% rate would be $1,227, while a borrower with a 620 credit score and 9.4% rate would pay $1,671 per month, a difference of $444 per month or $5,328 per year. It advises readers to check their credit history and score, ask if their mortgage rate is over 7%, and consider refinancing or modifying their loan
The annual rate of growth in housing credit has started to stall over recent months and with the banks tightening their lending criteria where will it go from here?
Shawn beus comparison and results of government- economic loan funds 2018Marian Hein
This document compares small business loan programs available in Davis County, Ogden City, and Salt Lake City, Utah. It provides details on the types of loans offered such as maximum loan amounts, interest rates, eligibility requirements, and intended outcomes of the programs. For example, the Davis County Economic Development Fund offers loans up to $250,000 for new businesses and $500,000 for existing businesses, with the goal of job creation and supporting priority industries. The Ogden City loan programs provide amounts from $5,000 to $99,000 for purposes such as job creation and economic development benefit to the city. Reported outcomes from these programs include increased total business revenue and new jobs created in the regions.
The document discusses investment opportunities in today's real estate market through a company called Buying and Selling Opportunities (BSO). BSO uses investor funds to purchase foreclosed and discounted properties, renovate them, then profit from lease options or resale. Investors can expect annual returns of 10-15% depending on the investment amount and time frame. An example deal is provided where a short sale property is purchased for $78K using a $25K investor loan, then leased for $130K over 2 years providing the investor a $7,500 return.
Small business lending index september 2015Biz2Credit
Big banks increased 22.5% of small business loan requests in September 2015, up from 22.3% in July. In the past six months, big banks up and down by a few tenths of a percentage points.
This document provides information about financing options for residential real estate investors from Professional Capital Partners. They offer 12-month interest only loans with no prepayment penalty for financing the purchase and repair of investment properties. The loans have rates from 8.19% to 12.9% and finance up to 90% of purchase and repair costs or 70% of the after repair value. They provide minimum loans of $75,000 up to $2,000,000 for single family homes, 2-4 unit properties, condominiums and townhomes in 40 states. Borrowers must have no bankruptcies, foreclosures or late payments in the past 36 months.
Peer-to-peer (P2P) lending platforms like Zopa and Prosper allow individuals to borrow and lend money without going through a traditional bank. Lenders choose loans to fund and set their own interest rates. Borrowers receive loan amounts and pay monthly payments directly to their lenders. P2P lending offers competitive rates for borrowers and high returns for lenders. However, risks include lack of regulation, no collateral from borrowers, and potential platform failures reducing confidence. For P2P lending to grow, increased awareness, regulation, and technology are needed to build trust and better screening while expanding into new loan categories could also help.
You May Be Paying Too Much for Your MortgageDawn Hicks
This document discusses how mortgage rates and terms can vary greatly between lenders and that some borrowers may qualify for better terms now that could save them thousands. It provides an example showing that on a $200,000, 30-year fixed rate mortgage, the monthly payment for a borrower with a 700 credit score and 6.2% rate would be $1,227, while a borrower with a 620 credit score and 9.4% rate would pay $1,671 per month, a difference of $444 per month or $5,328 per year. It advises readers to check their credit history and score, ask if their mortgage rate is over 7%, and consider refinancing or modifying their loan
There are several types of reverse mortgages available to homeowners aged 62 and older including Home Equity Conversion Mortgages (HECMs) through the FHA and products from Fannie Mae and Financial Freedom. HECMs offer the largest loan advances, most payment options, and funds can be used for any purpose. Eligibility requires being aged 62+, owning the home for at least one year, and the home meeting HUD standards. The loan is repaid when the last surviving homeowner dies, sells the home, or fails to live there for over 12 months. Loan amounts are based on age, interest rates, home value, and payment method, up to county-set limits. Borrowers have options to
U.S. Banks Still Lend Selectively Since the Great RecessionMaxim Berger
This document discusses lending trends for commercial and industrial loans by U.S. banks since the Great Recession. It finds that while large loan volumes (greater than $1 million) have recovered to pre-recession levels and exceeded 2008 peaks, small loan volumes (less than $1 million) have not recovered and remain below 2008 levels. In particular, loans under $100,000, between $100,000-$250,000, and between $250,000-$1 million are down 4%, 12%, and 8% respectively compared to 2008. The document also notes that small businesses have increasingly turned to alternative lending sources like online lenders as bank lending remains constrained, especially for smaller loan amounts.
THE STATE BANKS FEELING THE HEAT WEAK HOME SALES, RISING INFLATION RISK, LOAN...Ben Werner
Banks are facing difficulties due to a weak housing market, rising inflation risks, and problems in subprime lending. Short-term interest rates are higher than longer-term rates, an unusual situation called an inverted yield curve that has preceded recessions in the past. Many banks have seen their earnings decline in the first quarter of 2007 compared to the previous year. With tighter lending standards and less demand for loans, banks are becoming more cautious about providing mortgages, which have traditionally been a steady source of income. The housing market slowdown is expected to continue, adding pressure to bank profits.
This document summarizes information about Prosper Marketplace, Inc., a peer-to-peer lending platform. Some key points:
- Prosper was the first US peer-to-peer lending platform, launched in 2006, and has pioneered the development of this asset class.
- Peer-to-peer lending allows borrowers to access competitive loan rates and terms while reducing costs for lenders compared to traditional banks.
- Prosper has attracted highly creditworthy borrowers, with average credit scores of 701 and incomes of $85,761. This creates an investment opportunity for lenders to earn returns from consumer lending.
- Prosper uses a rigorous risk management process to underwrite and service loans,
- The document values Prosper Marketplace, Inc. at $1.507 billion for its current funding round based on an analysis of the peer-to-peer lending market and Prosper's position within it.
- While the peer-to-peer lending market is growing rapidly and expected to reach over $300 billion by 2025, Prosper possesses few competitive advantages that are eroding as more competitors enter the market.
- As a result, the analysts would only recommend investing in Prosper at or below the current $1.51 billion valuation due to slowing growth and declining margins from increasing competition in the peer-to-peer lending space.
Learn about the top 5 trends and twists all financial services companies should be monitoring and embracing in 2017. From the transition to a Trump presidency to digital credit marketing to threats of fraud as the result of loan stacking, dig into the details here.
Brian Zwerner's Kensington Blake Capital entity begins investing with ProsperBrian Zwerner
Brian Zwerner, Managing Principal of Kensington Blake Capital, announces that the firm has begun an investment program on the Peer-to-Peer lending site of Prosper. Prosper offers consumer loans primarily used to refinance and consolidate credit card debt. Investors such as Brian Zwerner are able to view 20+ individual loan characteristics when selecting the loans to invest in.
Loan delinquencies across the metro area have reached a new low. After spiking during the recession and leveling off, there has been a sharp decline since 2012. With an improving market banks are starting to increase lending.
El DSLAM localizado en la central telefónica da acceso a los servicios DSL a los usuarios, mientras que los Border Gateway Routers permiten al ISP comunicarse con otros ISP, IXP o grandes compañías. Los servidores proveen servicios de correo electrónico, DHCP, espacio web y hosting FTP. Además, un UPS y aire acondicionado son necesarios para mantener la continuidad y temperatura adecuada de los servicios.
Este documento presenta información sobre la nomenclatura de compuestos inorgánicos. Explica que la fórmula química expresa la composición de moléculas y compuestos mediante símbolos químicos. Luego, describe los diferentes métodos de nombrar compuestos, incluyendo la nomenclatura sistemática propuesta por la IUPAC, la nomenclatura de Stock y la tradicional. Finalmente, provee ejemplos detallados de cómo nombrar diferentes tipos de compuestos binarios como óxidos, hidruros y sales.
Organizacion y gestion de actividades recreativasANGELICA YEPEZ
El documento describe los pasos para la planificación y gestión de actividades recreativas. Explica que se debe considerar el tiempo, duración, participantes, escenarios y rentabilidad económica y social. Detalla las etapas de identificar necesidades de la comunidad, establecer objetivos, diseñar actividades, asignar funciones, verificar el cumplimiento de tareas, ejecutar las actividades y evaluar los resultados para mejorar en el futuro.
Andrew Erlichson received a certificate from MongoDB, Inc. on December 10, 2015 confirming he successfully completed the M102: MongoDB for DBAs course of study. The authenticity of the certificate can be verified online at the provided URL.
The document discusses several topics related to the pharmaceutical and healthcare industries, including concerns about losing the public relations battle and lack of diversity in recruiting. It also questions whether reimbursement will continue to be a major issue, if new tech investors will displace traditional capital sources, if large pharmaceutical companies will pursue more combinations or small acquisitions, and if valuations have reset or if recent lower valuations are temporary. Finally, it asks if this will be the year that gene and cell therapies become mainstream in regenerative medicine.
Este documento presenta la valoración de Emilio, un paciente geriátrico de 78 años con diabetes tipo 2 que recientemente sufrió la amputación de su miembro inferior izquierdo. Emilio vive con su esposa y depende de otros para vestirse y moverse. El resumen describe los signos vitales de Emilio, su tratamiento actual, y los resultados de varias escalas de evaluación. También identifica problemas de colaboración como el riesgo de hipoglucemia e infección, y establece objetivos y intervenciones para prevenir úlcer
El documento describe los efectos del alcohol en el cuerpo y la mente. Explica que el alcohol es una droga depresiva que disminuye las funciones vitales y distorsiona la capacidad de juicio a altas dosis, pero que en pequeñas cantidades puede tener un efecto estimulante. Indica también que una sobredosis de alcohol puede causar intoxicación severa, inconsciencia e incluso la muerte.
There are several types of reverse mortgages available to homeowners aged 62 and older including Home Equity Conversion Mortgages (HECMs) through the FHA and products from Fannie Mae and Financial Freedom. HECMs offer the largest loan advances, most payment options, and funds can be used for any purpose. Eligibility requires being aged 62+, owning the home for at least one year, and the home meeting HUD standards. The loan is repaid when the last surviving homeowner dies, sells the home, or fails to live there for over 12 months. Loan amounts are based on age, interest rates, home value, and payment method, up to county-set limits. Borrowers have options to
U.S. Banks Still Lend Selectively Since the Great RecessionMaxim Berger
This document discusses lending trends for commercial and industrial loans by U.S. banks since the Great Recession. It finds that while large loan volumes (greater than $1 million) have recovered to pre-recession levels and exceeded 2008 peaks, small loan volumes (less than $1 million) have not recovered and remain below 2008 levels. In particular, loans under $100,000, between $100,000-$250,000, and between $250,000-$1 million are down 4%, 12%, and 8% respectively compared to 2008. The document also notes that small businesses have increasingly turned to alternative lending sources like online lenders as bank lending remains constrained, especially for smaller loan amounts.
THE STATE BANKS FEELING THE HEAT WEAK HOME SALES, RISING INFLATION RISK, LOAN...Ben Werner
Banks are facing difficulties due to a weak housing market, rising inflation risks, and problems in subprime lending. Short-term interest rates are higher than longer-term rates, an unusual situation called an inverted yield curve that has preceded recessions in the past. Many banks have seen their earnings decline in the first quarter of 2007 compared to the previous year. With tighter lending standards and less demand for loans, banks are becoming more cautious about providing mortgages, which have traditionally been a steady source of income. The housing market slowdown is expected to continue, adding pressure to bank profits.
This document summarizes information about Prosper Marketplace, Inc., a peer-to-peer lending platform. Some key points:
- Prosper was the first US peer-to-peer lending platform, launched in 2006, and has pioneered the development of this asset class.
- Peer-to-peer lending allows borrowers to access competitive loan rates and terms while reducing costs for lenders compared to traditional banks.
- Prosper has attracted highly creditworthy borrowers, with average credit scores of 701 and incomes of $85,761. This creates an investment opportunity for lenders to earn returns from consumer lending.
- Prosper uses a rigorous risk management process to underwrite and service loans,
- The document values Prosper Marketplace, Inc. at $1.507 billion for its current funding round based on an analysis of the peer-to-peer lending market and Prosper's position within it.
- While the peer-to-peer lending market is growing rapidly and expected to reach over $300 billion by 2025, Prosper possesses few competitive advantages that are eroding as more competitors enter the market.
- As a result, the analysts would only recommend investing in Prosper at or below the current $1.51 billion valuation due to slowing growth and declining margins from increasing competition in the peer-to-peer lending space.
Learn about the top 5 trends and twists all financial services companies should be monitoring and embracing in 2017. From the transition to a Trump presidency to digital credit marketing to threats of fraud as the result of loan stacking, dig into the details here.
Brian Zwerner's Kensington Blake Capital entity begins investing with ProsperBrian Zwerner
Brian Zwerner, Managing Principal of Kensington Blake Capital, announces that the firm has begun an investment program on the Peer-to-Peer lending site of Prosper. Prosper offers consumer loans primarily used to refinance and consolidate credit card debt. Investors such as Brian Zwerner are able to view 20+ individual loan characteristics when selecting the loans to invest in.
Loan delinquencies across the metro area have reached a new low. After spiking during the recession and leveling off, there has been a sharp decline since 2012. With an improving market banks are starting to increase lending.
El DSLAM localizado en la central telefónica da acceso a los servicios DSL a los usuarios, mientras que los Border Gateway Routers permiten al ISP comunicarse con otros ISP, IXP o grandes compañías. Los servidores proveen servicios de correo electrónico, DHCP, espacio web y hosting FTP. Además, un UPS y aire acondicionado son necesarios para mantener la continuidad y temperatura adecuada de los servicios.
Este documento presenta información sobre la nomenclatura de compuestos inorgánicos. Explica que la fórmula química expresa la composición de moléculas y compuestos mediante símbolos químicos. Luego, describe los diferentes métodos de nombrar compuestos, incluyendo la nomenclatura sistemática propuesta por la IUPAC, la nomenclatura de Stock y la tradicional. Finalmente, provee ejemplos detallados de cómo nombrar diferentes tipos de compuestos binarios como óxidos, hidruros y sales.
Organizacion y gestion de actividades recreativasANGELICA YEPEZ
El documento describe los pasos para la planificación y gestión de actividades recreativas. Explica que se debe considerar el tiempo, duración, participantes, escenarios y rentabilidad económica y social. Detalla las etapas de identificar necesidades de la comunidad, establecer objetivos, diseñar actividades, asignar funciones, verificar el cumplimiento de tareas, ejecutar las actividades y evaluar los resultados para mejorar en el futuro.
Andrew Erlichson received a certificate from MongoDB, Inc. on December 10, 2015 confirming he successfully completed the M102: MongoDB for DBAs course of study. The authenticity of the certificate can be verified online at the provided URL.
The document discusses several topics related to the pharmaceutical and healthcare industries, including concerns about losing the public relations battle and lack of diversity in recruiting. It also questions whether reimbursement will continue to be a major issue, if new tech investors will displace traditional capital sources, if large pharmaceutical companies will pursue more combinations or small acquisitions, and if valuations have reset or if recent lower valuations are temporary. Finally, it asks if this will be the year that gene and cell therapies become mainstream in regenerative medicine.
Este documento presenta la valoración de Emilio, un paciente geriátrico de 78 años con diabetes tipo 2 que recientemente sufrió la amputación de su miembro inferior izquierdo. Emilio vive con su esposa y depende de otros para vestirse y moverse. El resumen describe los signos vitales de Emilio, su tratamiento actual, y los resultados de varias escalas de evaluación. También identifica problemas de colaboración como el riesgo de hipoglucemia e infección, y establece objetivos y intervenciones para prevenir úlcer
El documento describe los efectos del alcohol en el cuerpo y la mente. Explica que el alcohol es una droga depresiva que disminuye las funciones vitales y distorsiona la capacidad de juicio a altas dosis, pero que en pequeñas cantidades puede tener un efecto estimulante. Indica también que una sobredosis de alcohol puede causar intoxicación severa, inconsciencia e incluso la muerte.
The document appears to contain a single name - Kimberly duty. There is no other context or information provided about the name. Overall, the document is too brief to derive any meaningful insights, context, or high-level summary beyond stating the name contained within.
Los archivos juegan un papel esencial en las organizaciones públicas y privadas al registrar su curso de actividades cotidianas y documentar su evolución jurídico-administrativa a través del tiempo. A pesar del avance de las nuevas tecnologías, los documentos tradicionales siguen siendo donde se registra principalmente la actividad de las organizaciones. Los archivos son un recurso primordial para las organizaciones ya que al organizar correctamente la información, pueden constituirse en la memoria y el testimonio de su evolución a través del tiempo.
The Foundation for Children with Leukemia has partnered with Kona Ice to be the presenting sponsor for their social activities. Kona Ice will provide a mobile shaved ice service at the LÖSEV Spring Festival on April 12, 2014 to cheer up children with leukemia. The Chairman of LÖSEV expressed excitement about the partnership and how Kona Ice will make their events more colorful and fun. Kona Ice offers a unique mobile entertainment service providing tropical shaved ice and will donate a portion of sales to LÖSEV to help fund their events.
The document provides an update on the commercial real estate market and keys to navigating an uncertain market. It notes that while transaction volumes are up slightly from last year, the rate of growth has declined in recent quarters. Multifamily and class A office properties are driving most deals. Lending is also up but remains cautious, with tighter underwriting for any assets perceived as risky. Risk aversion is high among investors and lenders. The document outlines some areas of opportunity in the recovering market and strategies for environmental professionals to adopt to succeed.
Strategic Plays for the 2nd Half of Market Recovery: DetroitEDR
This document summarizes a presentation on strategic plays for the commercial real estate market recovery in the second half of 2013 and 2014. It notes that market fundamentals are improving, with increasing transaction volumes, lending, and CMBS issuance activity across various property types and market sizes. It highlights opportunities in target industries like private equity, foreign investors, and growing lenders. It recommends leveraging technology to improve efficiency and using education to establish expertise in areas like the new ASTM standards. The presentation provides an overview of improving conditions and strategic recommendations to capitalize on opportunities in the recovering commercial real estate market.
EDR Insight Market Update: Navigating in an Uncertain MarketEDR
The document provides an overview of the commercial real estate market and environmental due diligence industry. It notes that transaction volume increased in the second quarter of 2012 but slowed in July and August. Lending has also increased moderately mainly for top-quality assets. Distressed properties are bringing more contamination issues to light. The industry faces challenges from lender risk aversion and time constraints but also opportunities from new lending sources, property acquisitions by REITs, and energy audits required by new regulations. Strategies for success include business development, client education, and leveraging technology.
EDR Insight Market Update: Navigating in an Uncertain Market - OrlandoEDR
The document provides an overview and analysis of the commercial real estate market. It notes that while transactions were up in the third quarter of 2012, the rate of growth has declined in recent quarters. Multifamily and office properties are driving most deals. Distressed assets from the downturn are also re-entering the market. Lending is increasing but remains cautious, focused on low-risk deals. Risk aversion is high among investors and lenders. Opportunities exist in focusing on active lenders and markets. Education of clients is key as the market recovers. Overall, improvements are expected in availability of capital and transactions in the coming year.
The document provides an overview and analysis of the commercial real estate market. It notes that while transaction volume increased in the second quarter of 2012, growth has slowed in recent months. Multifamily, office, and retail properties in major markets are driving most deal activity. Lending is increasing but remains cautious, with larger banks focusing on prime markets and lower-risk deals. Risk aversion is high industry-wide, and environmental due diligence is an important consideration in transactions. Overall, the market recovery is expected to be gradual with continued geographic and asset-type disparities.
The commercial real estate market is recovering gradually with transaction volume up 25% in the second quarter of 2012 compared to the first quarter. However, lending remains cautious with banks focusing on top-quality assets in major markets. Investors are risk averse and concerned about potential issues that could negatively impact property values. Areas of opportunity include increased lending by government programs, REIT acquisitions, retail expansion, and energy benchmarking requirements. Consultants should focus on client education and differentiating themselves through technology to succeed in this uncertain market.
5 predictions for commercial real estate, risk management and lending in 2018. Presented by Dianne Crocker, EDR Insight in her opening comments at the Environmental Bankers Association Conference in Long Beach, CA on January 15, 2018.
RISK MANAGEMENT TRENDS IN THE 2nd ACT OF MARKET RECOVERYEDR
The document summarizes trends in risk management during the recovery of the real estate market. It notes that the recovery is gaining traction as economic activity has picked up, jobs and corporate earnings are improving, and real estate investment is growing. Risk management is becoming smarter as due diligence scopes are more tailored and environmental risk tolerance remains cautious despite increased deal volume. Finally, contaminated properties are seeing renewed interest as incentives encourage redevelopment, creating new opportunities.
This document summarizes the findings of a survey of 819 lenders on their environmental risk management practices. The top challenges lenders face are: (1) lack of expertise to understand environmental reports and make risk-based decisions, (2) need for internal education and training on how environmental due diligence fits into the lending process, and (3) turnaround time constraints. While lender policies have evolved since the real estate downturn, many - especially smaller banks - still lack formal policies or training. As lending slowly increases, lenders need assistance justifying due diligence costs, basic training, and help balancing regulatory compliance with maintaining competitiveness.
EY point of view - US mortgage banking M and A trends and outlookDevashish Jain
The document discusses consolidation trends in the US mortgage banking industry. Long-term growth is expected through mergers and acquisitions as participants look for ways to cut costs and remain competitive in the face of regulatory pressures and uncertainties. Various factors are impacting the industry such as interest rates, Dodd-Frank rules, and potential disruptions from financial technology companies. M&A activity is expected to continue accelerating as smaller players are unable to achieve economies of scale.
This document summarizes the current state of small and medium enterprise (SME) access to capital and emerging alternatives. It finds that while bank lending to SMEs has improved since the financial crisis, it remains below pre-crisis levels due to ongoing regulatory pressures and risk aversion. To fill the resulting credit gap, online alternative finance platforms like marketplace lenders, peer-to-peer lending, and crowdfunding have grown rapidly in recent years and are expected to continue strong growth in 2015. These alternatives provide lower-cost capital options for SMEs and attractive returns for investors.
ICSC Panel Members - Financing in Today’s Market Current Underwriting and the...Nicholas Maloof
The document is a panel discussion on current financing availability and underwriting for commercial real estate, especially retail properties. It contains responses from several panelists who are commercial lenders. They discuss:
- Credit remains available from banks, life insurance companies, and CMBS lenders, though terms vary between property types and quality. Retail financing can be tighter than other sectors.
- They are providing financing for a variety of retail property types including single tenant, multi-tenant, mixed-use. Grocery anchored centers are common.
- Loan-to-value ratios and equity requirements vary between lenders, but many will finance up to 75-80% LTV. Life insurers typically
2018 has been a challenging year for commercial banks, with loan demand falling short of goals, spreads compressing and credit standards easing. Join us for this webinar, where Gita Thollesson, SVP of Client Success at PrecisionLender will provide a retrospective on 2018 and discuss opportunities for maximizing performance in the context of market realities as we head into 2019.
Similar to 2014 Forecast: Entering the 2nd Half Of Market Recovery (20)
Grady L. Shields provides legal advice on how underwriting needs to change in today's market. Underwriters should look beyond just price and consider non-scope issues like asbestos. They should also take property condition assessments and potential compliance issues into account as these could threaten a borrower's ability to pay or expose the lender to liability. Underwriters must make it clear borrowers cannot rely on the lender's due diligence. Post-loan, lenders should follow up on issues like brownfields remediation and conduct risk-based due diligence for refinancings.
This document discusses the potential impacts of the Trump administration on brownfield site cleanup and redevelopment. Key points include: regulatory and budget uncertainty at the federal level; proposed cuts to EPA and other agency budgets that support brownfields work; the emphasis on devolving programs to states and private partnerships; and opportunities through continued tax incentives and bipartisan interest in Congress to enhance existing brownfield programs. Overall the outlook presents challenges but also opportunities if state, local, and private actors can help fill gaps in federal support.
The document discusses several business trends for 2017 and beyond, including the rise of millennials, increased automation through technologies like artificial intelligence, trends in urbanization like more companies moving to cities, and the growth of smart cities. It notes key facts about each trend, such as the large size of the millennial population compared to Gen X, the types of jobs that may be automated, how technologies are accelerating mass adoption, and examples of smart city initiatives in areas like transportation, housing, and energy infrastructure.
This document discusses trichloroethylene (TCE) and the risks it poses. It notes that studies have shown TCE in indoor air can harm fetal development, especially during the first trimester of pregnancy. Short term exposure to even low doses of TCE may also present acute hazards. The EPA has proposed limiting TCE use under the Toxic Substances Control Act due to these risks. TCE was formerly used in many consumer products like adhesives, paint strippers, and spot removers. Disclosing TCE risks to tenants can be difficult and monitoring indoor air quality may be needed if subslab levels are high.
The document summarizes key points from a presentation by Robert Parson on real estate appraisals and evaluations from an examiner's viewpoint. It outlines the regulatory framework for appraisals, including the importance of competency over licensure. It also discusses target exam areas such as the selection process, determining when an appraisal is "stale", the business loan exemption, and managing the appraisal threshold. Additionally, it covers the definition and requirements of evaluations, including that they must provide market value and sufficient analysis. Lastly, it stresses that reviews and evaluations should be conducted by competent individuals in a process-driven manner.
The document summarizes key points from a presentation by Robert Parson on real estate appraisals and evaluations from an examiner's viewpoint. It outlines the regulatory framework for appraisals, including the importance of competency over licensure. It also discusses target exam areas such as the selection process, independence, and when appraisals become stale. Additionally, it covers the differences between appraisals, evaluations, and other valuation categories, and emphasizes that evaluations and reviews should be processes conducted by competent individuals rather than simply filling out forms.
This document discusses navigating the commercial real estate technology landscape. It outlines various technology solutions for tasks like loan approval, market intelligence, portfolio management, risk analysis. These include data aggregators, crowd-sourced platforms, workflow and CRM tools. The document also discusses how these solutions have developed from early internet listing services and how full integration of available data sources may shape the future of CRE technology.
This document discusses establishing an effective compliance program at commercial lenders. It notes the intense pressure for cost reduction and revenue growth that requires a coordinated compliance risk management system. An effective program has elements like qualified compliance staff, risk testing, documentation, and addressing regulatory changes. Key elements include compliance resources, testing, responsibility, policies, communication, training, technology, issue reporting, and adapting to new laws. The document provides sources for further information on preparing for and passing regulatory exams and compliance program best practices.
The document discusses strategies for accelerating growth in the environmental consulting industry through organic growth and mergers and acquisitions (M&A). It notes that the global market for environmental consulting services is expected to double to $100 billion by 2020. For companies to achieve strong growth, they need a strategic focus on land, infrastructure, water and energy. Both organic growth and M&A are important, as M&A provides immediate access to new markets and expertise, while organic growth is slow. The document provides tips for companies developing strategic growth plans and M&A strategies.
The document summarizes market trends in Charlotte, North Carolina. It finds that the Charlotte region continues to experience population and job growth, with over 100 people moving to the area each day. This growth is driven by relocations for new jobs and employment opportunities, especially among young professionals. Office and apartment demand remains strong, particularly in urban and transit-accessible areas of downtown and surrounding neighborhoods. While much of the growth has benefited the Charlotte region, some suburban areas further from jobs and transit are struggling to attract commercial investment and pay for rising infrastructure costs from new households.
The document summarizes market trends in Charlotte, North Carolina. It finds that the Charlotte region continues to experience population and job growth, with over 100 new residents moving in daily. Office and apartment demand remains strong, driven by household growth and an expanding job market concentrated in technology. However, growth is uneven across the region, with some suburban areas struggling to attract jobs and development. The document suggests Charlotte is following national trends of preferring mixed-use, transit-accessible development that integrates living, working, and recreation.
The document discusses trends in retail, including the closing of stores in Q1 2017 but growth in some areas. It identifies 6 retailers expanding through both online and physical stores. Reasons internet retailers open stores include customers preferring to see/feel items and convenience. Online retailers have advantages like customer data and brand loyalty. Both online and physical retailers are combining channels to provide an omni-channel experience.
This document discusses trends in e-commerce growth and its impact on the industrial real estate market. Some key points:
- E-commerce's share of total US retail sales has steadily increased since 2011 and reached 10.8% in 2015.
- The top e-commerce markets from 2010-2016 were the Inland Empire and Dallas/Fort Worth, reflecting increased demand for fulfillment centers.
- E-commerce is generating demand for new types of industrial buildings like mega fulfillment centers, parcel hubs, and last-mile delivery centers.
- Major retailers are expanding their industrial footprints to accommodate growing e-commerce operations and inventory needs.
This document summarizes a panel discussion on trends in the commercial real estate finance industry. It discusses current market trends such as declining transaction volumes and shifts among lenders. Regulatory topics covered include potential reforms to Dodd-Frank and the future of Fannie Mae and Freddie Mac. The panel also examines potential impacts of infrastructure spending, tax reform proposals, and changes to risk retention rules on the commercial real estate finance market. Attendees were surveyed on their preferences for various options for GSE reform related to multifamily lending.
This document discusses the need for Interagency Environmental Guidelines (IEG) similar to the existing Interagency Appraisal Guidelines (IAG). It argues that just as IAG established standards for appraiser competence, independence, and report content for federally-related real estate transactions, IEG are overdue to establish similar standards for environmental professionals and reports. Several issues are identified that could be addressed through IEG, such as defining environmental professional qualifications, establishing standards for different types of environmental reports, and identifying high-risk property types requiring environmental assessments. The lack of IEG is described as a "weak link" in the real estate lending process.
This document discusses the potential impacts of the Trump administration on brownfield site cleanup and redevelopment. Key points include: regulatory and budget uncertainty at the federal level; proposed cuts to EPA and other agency budgets that support brownfields work; the emphasis on devolving programs to states and private partnerships; and opportunities through ongoing congressional interest in brownfields legislation and existing tax incentives. While federal funding sources face cuts, states, local groups, and private industry will play a bigger role in driving brownfield redevelopment under the new administration's priorities.
The document discusses the impact that the Trump administration may have on brownfield site cleanup and redevelopment. It notes regulatory uncertainty and anticipated cuts to federal funding programs that have supported brownfield work. Specifically, the Trump budget proposes eliminating or significantly reducing funding for the EPA, HUD, EDA, and other agencies involved in brownfield funding. It also discusses congressional efforts to introduce brownfield reauthorization and funding bills. The document advises public-private partnerships and integrating brownfields into new areas like manufacturing and sustainable materials management will be important for continuing redevelopment work in the current climate.
The document summarizes key points from a presentation by Robert Parson on real estate appraisals and evaluations from an examiner's viewpoint. It outlines the regulatory framework for appraisals, including the importance of competency over licensure. It also discusses target exam areas such as the selection process, independence, and when appraisals become stale. Additionally, it covers the differences between appraisals, evaluations, and other valuation categories, and emphasizes that evaluations and reviews should be processes conducted by competent individuals, not just forms.
The document discusses the state of commercial real estate markets globally and in various regions. It notes that demand in London began tapering off in 2016 and availability is at a 10-year average. Investment volumes in London were down 19% in 2016. The outlook predicts more stable investment activity globally in 2017 compared to 2016, with London, Berlin, and Sydney among the top target cities. Geopolitical events have impacts but economic cycles are more important long-term drivers of real estate markets.
This document discusses case studies related to REC, HREC, and CREC determinations. It presents six hypothetical cases involving different properties and prior uses, and poses questions to a panel of experts about whether each case represents a REC, HREC, or CREC based on the definitions in the E1527-13 standard. The cases involve issues such as a former dry cleaner, gas stations, industrial usage, and more. The panelists provide their opinions on the classification for each case. The document also reviews the relationship between RECs, HRECs, and CRECs.
Serviced Apartment Ho Chi Minh For RentalGVRenting
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AVRUPA KONUTLARI ESENTEPE - ENGLISH - Listing TurkeyListing Turkey
Looking for a new home in Istanbul? Look no further than Avrupa Konutlari Esentepe! Our beautifully designed homes provide the perfect blend of luxury and comfort, making them the perfect choice for anyone looking for a high-quality home in the city.
With a wide range of apartment types available, from 1+1 to 4+1, we have something to suit every need and budget. Each apartment is designed with attention to detail and features spacious and bright living areas, making them the perfect place to relax and unwind after a long day.
One of the things that sets Avrupa Konutlari Esentepe apart from other developments is our focus on creating a community that is both comfortable and convenient. Our homes are surrounded by lush green spaces, perfect for enjoying a peaceful stroll or having a picnic with friends and family. Additionally, our complex includes a variety of social and recreational amenities, such as swimming pools, sports fields, and playgrounds, making it easy for residents to stay active and socialize with their neighbors.
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Recent Trends Fueling The Surge in Farmhouse Demand in IndiaFarmland Bazaar
Embarking on the journey to acquire a farmhouse for sale is just the beginning; the real investment lies in crafting an environment that contributes to our mental and physical well-being while satisfying the soul. At Farmlandbazaar.com, India’s leading online marketplace dedicated to farm land, farmhouses, and agricultural lands, we understand the importance of transforming a humble farmland into a warm and inviting sanctuary. Let's explore the fundamental aspects that can elevate your farmhouse into a tranquil haven.
At Geomatrix, we Pride Ourselves on our Commitment to Superior Craftsmanship and client satisfaction. Our team Consists of Highly Qualified specialists including Architects, Engineers, project Managers, and skilled labourers who work seamlessly together to achieve ourclients' Objectives. Geomatrix is recognized as the Best Construction Company in Haldwani, Dedicated to bringing visions to life with unparalleled Expertise and Professionalism.
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Sense Levent Kagithane Catalog - Listing TurkeyListing Turkey
Sense Levent offers a luxurious living experience in the heart of Istanbul’s vibrant Levent district.
This cutting-edge development seamlessly integrates modern design with natural elements, featuring live evergreen plants maintained by an advanced irrigation system, ensuring lush greenery year-round.
The building’s elegant ceramic balconies are both stylish and durable, enhancing the overall aesthetic and functionality. Residents can enjoy the 700m Sky Lounge, which provides breathtaking views of Istanbul and a perfect space to relax and unwind.
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Designed with young professionals in mind, Sense Levent features 1+1 and 2+1 units with smart floor plans and balconies. The project promises high investment returns, with an expected annual return of 6.5-7%, significantly above Istanbul’s average ROI.
Located in the rapidly growing and highly desirable Levent area, the development benefits from ongoing urban regeneration projects. Its prime location offers proximity to shopping malls, municipal buildings, universities, and public transportation, adding immense value to your investment.
Early investors can take advantage of discounted units during the construction phase, with an expected capital appreciation of +45% USD upon completion. Property Turkey provides comprehensive rental management services, ensuring a seamless and profitable investment experience.
Additionally, robust legal support and significant tax advantages are available through Property Turkey’s licensed Real Estate Investment Fund. Levent is a dynamic urban hub, ideal for young professionals with its numerous corporate headquarters and shopping malls.
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Discover Yeni Eyup Evleri 2, nestled among the rising values of Eyupsultan, offering the epitome of modern living in Istanbul.
With its spacious living areas, contemporary architecture, and meticulous details, Yeni Eyup Evleri 2 is poised to be the star of your happiest moments. Situated in the new favorite district of Eyupsultan, claim your spot and unlock the doors to a peaceful life alongside your loved ones. Nestled next to the historical and natural beauties of Eyupsultan, embrace the comfort of modern living and rediscover life.
Social Amenities:
Yeni Eyup 2 offers a life filled with joy with its green landscaping areas, gym, sauna, children’s play areas, café, outdoor pool, and basketball court. Reserve your place for unforgettable moments!
Reliable Structure:
With 1+1, 2+1, and 3+1 apartment options, Yeni Eyup Evleri 2 is designed with first-class materials and craftsmanship. The doors to a safe and comfortable life are here! Choose the option that suits you best and step into your dream home.
Project:
Yeni Eyup 2 is conveniently located, with Istanbul Airport just 26 minutes away, the Mecidiyeköy Metro Line 4 minutes away, and the Tram Stop 5 minutes away, making your life easier with its central location.
Location:
Your home is positioned in a privileged location, providing easy access to the city center, shopping malls, restaurants, schools, and other important places.
Yeni Eyup 2 offers 1+1, 2+1, and 3+1 apartment options designed to meet different needs. Find an option suitable for every lifestyle and open the doors to a comfortable life in your dream home.
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The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
If you're Planning to Build a House in Haldwani, Understanding the House Construction Cost in Haldwani is crucial. It's important to grasp the direct and indirect cost factors entailed in the Construction process before Initiating any work. This Understanding is pivotal for Efficient Budget allocation, allowing you to plan your finances more Effectively. Construction expenses can vary Significantly, Influenced by Diverse Elements such as site Location, raw material prices, Labour charges, and various other variables. Here at Geomatrix, we pride Ourselves on offering competitive rates for house construction in Haldwani, ensuring affordability without Compromising on quality and providing the best options within your budget. For a precise evaluation of the cost involved in constructing your dream home, consult our team of architects and construction experts.
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The KA Housing - Catalogue - Listing TurkeyListing Turkey
Welcome to KA Housing, a distinguished real estate development nestled in the heart of Eyüpsultan, one of Istanbul’s most promising districts.
Just 10 minutes from the bustling city center, Eyüpsultan offers a serene escape with the convenience of urban living. The direct metro line ensures seamless connectivity to all parts of Istanbul, making it an ideal location for residents who seek both tranquility and vibrancy.
KA Housing boasts unparalleled accessibility, with proximity to Istanbul Airport only 30 minutes away, facilitating easy international travel. Effortless city access is guaranteed by direct metro and transportation links to Istanbul’s cultural and commercial hubs. Quick access to key metro lines connects you to every corner of the city within minutes, making commuting and exploring the city hassle-free.
The development offers luxurious living spaces with a range of unit layouts from 1+1 to 4+1, designed with meticulous attention to detail. Each unit features balconies or terraces, providing stunning vistas of Istanbul and enhancing the living experience. High-quality materials and superior craftsmanship ensure durability and elegance, while sound-proof insulation and high ceilings (2.95 m) offer comfort and sophistication.
Residents of KA Housing enjoy exclusive on-site amenities, including a state-of-the-art gym, outdoor swimming pool, yoga area, and walking paths. Entertainment options abound with a private cinema, children’s playground, and a variety of dining options including a café and restaurant. Security and convenience are paramount with 24/7 security, a dedicated carpark garage, and an IP intercom system.
KA Housing represents a prime investment opportunity with limited availability in a high-demand area, ensuring enduring value and potential for lucrative returns. Homes in this development provide exceptional value without compromising on quality, offering affordable luxury for discerning buyers. The construction is of the highest quality, built to the latest seismic and disaster resistance standards, ensuring safety and resilience.
The community and surroundings of KA Housing are enriched by close proximity to prestigious universities such as Haliç University, Bilgi University, and Istanbul Ticaret University, making it an ideal location for students and academics. The development is adjacent to the Alibeyköy stream leading into the Halic waters, offering serene natural escapes amidst lush greenery. Residents can enjoy the cultural richness of the area, surrounded by historical and cultural landmarks that blend leisure, nature, and culture seamlessly.
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6. Recent Trend:
• The universe of buyers is growing rapidly
• The number of active buyers over the past twelve months
grew by 3,300 participants with the private sector seeing the
greatest growth.
• A number of new investors from Asia and Europe are also
growing in influence.
7. Small Cap Transactions
• The velocity of small-cap sales is more than
keeping pace with the larger CRE investment
market.
• Up 17% YTD (3Q13)
• Transactions continue to grow at a faster clip in
bigger cities than smaller ones.
8. Property Types in Favor
• Multifamily is still the “belle of the ball” (up 31%
Y-on-Y)
• Retail: sales of strip centers are up 30%
• Office/industrial getting more interest
• Warehouse activity, especially in port cities
10. Good News on the CMBS Front
• 2012:
• Post-recession high
of $48B
• 2013:
• Prelim #s: $80B in
2013
• Up 65% YonY
• 2014 Forecast:
• Same or better
12. Commercial Property Lending
Volume
• Lenders have returned to originating commercial real
estate loans as values and credit quality improve and
demand increases
• Commercial and multifamily real estate borrowing and
lending continued at a moderate clip in the third quarter.
• Origination volumes:
• 29% higher than in Q3 2012
• Flat compared to 2Q13
• Up 14% year to date
Source: MBA’s Quarterly Index of Commercial/Multifamily Mortgage Bankers Originations.
13. LENDING: A Positive Take
“More banks were lending on incomeproducing commercial real estate
properties in more places in the 3rd
quarter. The number of lenders who plan
to increase property loans in next 12
months far outnumber those who plan to
lower them.”
~ Sam Chandan, president and chief economist at
Chandan Economics
15. SBA Lending: A Bright Spot
• Supported more than $29B in loans in FY13—its third-highest
year ever.
• More than 54,000 loans backed through its 7(a) and 504
programs
• The number of 7(a) loan increased to 46,399 in 2013, 4.6%
over the number of loans in FY 2012.
• The 504 loans produced more than 7,700 loans in FY 2013, a
slight decrease from FY 2012.
• 7(a) lending is picking up steam after being halted by the
government shutdown. (down 7% in 4thQ)
16. Bottom Line on Lending
• The comeback of commercial real estate lending is
gaining momentum, especially credits backed by
apartments and leased properties.
• CRE lending was a scourge for scores of community
banks during the financial crisis, but more banks are
warming up to it in their quest for higher returns.
• However, CRE lending volumes remain well below the
highs of six years ago.
18. Banks and Risk Management
• 94% of institution’s boards now devote more time to risk
management oversight than five years ago
• 80% percent of chief risk officers report directly to either the
board or the CEO
Source: Deloitte lender study
19. Attitudes Toward Risk
• Phase I ESAs more likely to go to a Phase II than in past years
• 16% vs. 6% 2 years ago
• More attention on environmental policies by financial institutions.
• Investors, lenders as risk conscious as ever.
20. Upshot for 2014
• Real estate should put in strong performance in 2014
• U.S. economy shows signs of strength
• CMBS lenders, insurance lenders and bank lenders will all be
active
• Expect to see growth from commercial mortgage funds with
3rd party capital
• 2014 marks the 2nd of the market’s recovery
• Modest growth
21. Dianne P. Crocker
Principal Analyst, EDR Insight
Research and Analytics:
www.edrnet.com/EDRInsight
Twitter:
@dpcrocker
Email:
dcrocker@edrnet.com