Office Building, A General Overview

Many Real Estate Developers as well as the loan underwriters categorize commercial office buildings by their appearance and location.In addition they can be further categorized by their construction type. For example you can construct commercial buildings as low-rise, mid-rise and high-rise buildings.

WITH REAL ESTATE LOCATION IS THE KEY FACTOR, THEREFORE COMMERCIAL OFFICE BUILDINGS ARE DIVIDED INTO DOWNTOWN AND SUBURBAN BUILDINGS

Building and Owners Association or BOMA classifies building types into three classes, A, B and C.

For a complete discussion of the above type of office building click below.
http://www.loanforbiz.com/OfficeBuildings

Commercial Investment Types

You Can Purchase A Commercial Investment In Any Of The Major Categories
Below is a list of each commercial investment and by clicking on any one, you will then receive further information about the investment as well as relevant commercial loan information.

Office
Multi Family and Healthcare
Mobile Home Park
Retail
Industrial
Self Storage Facilities
Hotel - Motel

For specific details about each investment category click on that link. Each of the above commercial real estate types are treated differently by the commercial lenders and their underwriters

Each real estate investment will be underwritten with a different emphasis as to the required debt service coverage ratio, loan to value, minimum net operating income, etc.

The rest of this page is found by visiting the url below. http://www.loanforbiz.com/CommercialInvestment.html

Commercial Loans, A General Overview,

Cash Flow the King Of Commercial Loans
Unlike residential loans, cash flow of the investment is what drives all rates and terms for any investment property loan.

If the profit and loss statement, and the interim financial statement do not demonstrate a positive cash flow after servicing the new debt, no conventional lender will lend you money for the project.

AND YOU SHOULD WALK AWAY AND FIND ANOTHER DEAL

All Investment Loans are made to be repaid.

The average banker won't tell you that but that is the underlined assumption when any lender makes you a loan. This might be an obvious point but it is so easily overlooked in the excitement of the transaction. If a lender is telling you that they won't finance your project they are doing you a service. They are telling you directly that you will lose money, but on the other hand the lender does make you a loan then you know that the deal is at least cash flowing as it is presented today. Commercial loans are geared specifically to each type of real estate investment.

Click here for that list.,

For the remaining information on this topic click here http://www.loanforbiz.com/CommercialLoans.html