Post about "Real Estate"

Commercial Mortgages – Four Important Strategies for Small Business Borrowers

What are the most important qualities to look for in small business commercial mortgages? This article describes four such qualities. But if a commercial borrower can’t find all of the commercial mortgage qualities that are considered most important, then which qualities should be viewed as the most critical? The answer to the latter question will often depend on the borrower’s unique individual circumstances. For some borrowers there may only be one or two critical qualities that will be essential to the success of their loan. For example, if a commercial borrower needs to refinance a business property and get $1 million in cash to do with as they choose, the ability to get unrestricted cash out will probably supersede the four loan strategies addressed below.Aside from special situations like that, the following advice about four important strategies is based on commercial mortgage qualities considered to be repeatedly critical to the long-term success of a business. There is no attempt to rank these four commercial mortgage strategies in any particular order.ONE:Commercial mortgage borrowers should seek out long-term commercial mortgage loans that are not subject to recall or balloon payments. Commercial properties should not be financed with short-term funds. It is essential to obtain long-term financing of at least 15-20 years (and longer is even better). This is a prime example of using contingency planning to help commercial borrowers adapt to unknown future circumstances. Commercial borrowers should expect to encounter higher interest rates for longer-term financing (when compared to short-term traditional bank loans). However, most commercial borrowers will be pleasantly surprised when they see lower monthly payments in spite of a higher rate. The resulting improvement in positive cash flow can be the critical difference that creates a truly successful business investment.TWO:Commercial real estate loans under one million dollars should be assumable. This strategy is primarily about flexibility and providing for a more orderly transfer of a business to someone else in the future. It is also an example of using contingency planning to select a commercial lender by anticipating future circumstances and selecting a commercial real estate loan that will help a commercial borrower adapt to those circumstances.THREE:Seller seconds and other variations of subordinate financing should be allowed. This will permit the most aggressive Combined-Loan-to-Value (CLTV) for commercial mortgages, up to 95% of the property value. This is important if you are the buyer because it will provide another financial tool to help with financing. It is important to the seller because it might enable someone to buy the property who could not otherwise do so.FOUR:Commercial mortgage borrowers should seek out lenders using Stated Income commercial loans and limited documentation requirements. Very few traditional banks use Stated Income (no income verification and no tax returns) for a commercial real estate loan. Most commercial lenders will perform a thorough income verification as part of their underwriting process. This will typically include copies of tax returns as well as a requirement to sign IRS Form 4506 which authorizes the lender to obtain tax returns directly from the IRS. Many traditional banks will have loan covenants stipulating that the lender must receive financial data even after the loan closing and that the loan can be recalled if the audit of this data is not satisfactory to the lender.Copyright 2005-2006 AEX Commercial Financing Group, LLC. All Rights Reserved.

Top 10 Handmade Wooden Duck for Home & Garden Decoration

Ducks are one of the symbols that reflects love. Wooden ducks are finely carved, created, and designed for a striking look and sense nicest for home and garden decors. These ducks are handmade with precise and skilled craftsmanship on wood with hand-painting with special colors. Just a little care needs to be taken for tidying up. Clean the wooden articles with a sponge or cloth using a mild non-detergent soap and water and clean them dry. Abrasive cleaners or scrubbers should not be used, and they can pale the look of the wooden item.

Painted duck statues for garden lawn or yard decoration handmade wooden craft.
The materials, paints, and pigments used for making it are eco-friendly, non-toxic, and safe. It is a cute duck-shaped wooden article perfect for home, lawn, garden, and party decor. This makes the home and garden look thoroughly beautiful and fascinating. It may come in different sizes according to the customer’s requirements.
Wooden ducks crafts ornaments desktop decoration for home party
It is made of wood crafted beautifully, giving a cute and unique look. It has a realistic shape, and the handcrafters had given the wooden duck’s excellent details with fine skills. It is purposefully suitable for garden, office, home, office, and desktop decoration. It makes the mood refreshed and brings happiness to daily life. It is also a great gift for children, friends, or lovers.
Zoltamulata handcrafted wooden duck pair showpiece for home interior decor ducks
These ducks are made up of good-quality wood material. It is certainly suitable for home and car too. This makes the home look better and greatly enchanted.
Wooden Hand-Painted Ducks
The Rajasthan artists are greatly skilled in the handcrafting of wooden articles. This is one of their articles beautifully hand-painted and carved. This is suitable and beautifully embraces a comfortable corner of the office or home.
Wooden Duck Home Decor
This is a fascinating and beautifully detailed design made up of wood. The details in the duck are very well shown. Though it is not painted, it gives a rich and royal look to the home decor.
Klowage Duck Decorative showpiece
This is enormously best for home decorative purposes. It is completely made up of wood and comes in multicolor according to customers choice. It gives a little vintage theme to the home. Looks great and has a great impact on people.
LAVANSHI 4″ Kadamba Wood Duck Decorative Showpiece
This wood duck showpiece is extremely ethnic and authentic. The artisans have precisely given the minute details, making this woodcraft a masterwork. It is suitable for the home decor purpose giving a delightful look to the home.
3√óRustic Style Duck lovely nautical wooden duck set photo prop table shelf display home decor
These highly detailed handmade duck models are very fascinating and elegant. They are well-crafted and carved with details. It is colored and feels cute to be a part of home and garden decor.
Handmade Ducks by DCUK
This handmade duck is so much more than just a decor ornament. It is made up of wood with specific details unique from most other handcrafted wooden duck decors. It is perfectly sculpted, and the hat and boots make it more attractive.
Wooden Birds Gift Set
This can be used for home decor or garden decor purposes. It could also be gifted to loved ones. Just protect it from water and dust with a small cotton hand broom to remove the accumulated dirt.
The wooden duck articles are perfect for your garden decor and home decor. It gives the place a unique and new look. We also provide the best handmade wooden duck decor for home and garden decor purposes. The painted wooden ducks with boots are specifically good and prominent at our place. You can also buy the best duck models from us at a reasonable price and more offers.