I have been in real estate financing business for over 30 years. I consistently work with real estate brokers to finance the investment property transactions that come my way. It’s incredibly important how a broker conducts business and treats people. The right real estate broker can make...
There are numerous benefits to investing in a mortgage fund. Click here for a list of benefits. However, one benefit not often talked about is a hedge against inflation. In the last year, to fight the COVID-19 pandemic, the government injected over 2.5 trillion dollars into the US economy. These...
At what point do you decide to refinance a loan based on the interest rate? A question most of us have been asking, given the low-interest-rate environment we have been in for a while. Making the right decision to refinance can save you money, but if not done at the appreciate time and for the...
Choosing the right employee or business partner can make an enormous impact on whether you prosper or flounder as a business owner. Often when employers look to hire someone, or when entrepreneurs want to find a business partner, in their search, they often miss certain character traits in a...
A great deal of money can be saved by structuring the right loan terms on your real estate transaction. It is the opportunity cost of making the right decision where the money is saved. When choosing the right real estate loan terms, it’s not all about the lowest interest rate. It’s wise not to...
The video testimonial in this blog is a great example of a relationship cultivated over time with mutual trust, a key for long-term success. Cultivating existing relationships is often the most effective way to grow a successful business.
What I currently see on the horizon for San Diego real estate is based on information I receive from conversations with real estate owners, lenders, borrowers, buyers, and sellers in the San Diego market. This provides valuable information as to what changes are developing.
We believe relationships are more important than transactions. Most of our loans are to repeat clients and borrowers we have known for years. What makes Fidelis different from other private lenders is how well we treat our clients and carry on our everyday business activities with a sense of...
The right real estate financing can make the difference between a good project and a great one. In today’s economic environment obtaining the right loan with the best lender can be a challenge. You can speed up the loan process by asking the right questions upfront when searching for the...
Wise investors look at the big picture when analyzing the feasibility of a real estate investment opportunity and consider private money financing as one tool in accomplishing their goal. Private money works best for the short term, bridge financing opportunities where value is created in...
I have been in the commercial real estate financing business as a lender and mortgage broker for over 30 years. I have arranged over a billion dollars in loans and worked with hundreds of different borrowers, so I know what it takes to get lenders to approve a loan request. Know Your Client and...
Fidelis Private Fund is a mortgage fund that invests primarily in short-term bridge loans. Our business model is based on years of experience and a proven strategy. In this article, I share some of the key advantages and how that business model ultimately benefits our investors while providing a...
Just over a month ago, the fundamentals of our economy were strong, i.e., low unemployment, low real estate inventories, low inflation, low-interest rates, and stability in the capital markets. Within a month, this coronavirus pandemic has rocked our world. I want to pass on some hope in the...
There are two useful tools for valuing and comparing the feasibility of real estate investment opportunities: the capitalization rate (Cap Rate) and the cash-on-cash return. The two metrics use a snapshot of annual pre-tax income as a basis to determine the value and evaluate the feasibility of...
Saves Time – An experienced mortgage broker has a network of relationships to help you quickly find the lender that best fits your particular loan request. Saves Money – The cost of using an experienced mortgage broker is a sound investment that yields a great return. The real savings is...
Financial leverage is the borrowing of capital to invest with an expectation the return will exceed the cost of the capital. Financial leverage may or may not be a benefit during differing economic conditions. For example, financial leverage with subprime debt was bad for banks during the...
Obtaining a construction loan is not easy. Improve your chances of acquiring construction financing by assembling an experienced development team which includes: a real estate broker, an architect, an engineer, a general contractor, and a mortgage broker. The presentation and the audience of the...
Know Your Lender’s Track Record Be smart from the start. To save time and reduce stress when looking for private money real estate financing, research the lender’s track record and references. Look for a private lender that values integrity and has the results to prove it. Many times...
