In certain instances, the loan to value, or equity position of a property, may be too high, making it impossible to structure a hard money loan. In these cases, where the subject property is too burdened with debt for the borrower to achieve his/her loan goals, additional collateral can be used to make the loan […]
PREDICTING THE REAL ESTATE MARKET – WHEN TO BUY & WHEN TO SELL
With the elections around the corner, the rhetoric is getting louder and louder. Many feel that there is a storm brewing, and that the economy in general, including real estate, may be another bubble about to burst. So, is it a good time to sell? Buy? Invest? I saw this article on Zillow and found […]
WE LOVE BROKER DRIVEN BUSINESS
At Cushner Capital Group, we are committed to cooperating with CA licensed mortgage brokers to achieve their clients’ goals. We pride ourselves on being fair, responsible, and ethical. We stay updated on the latest compliance rules. Our goal is to help your client achieve their real estate and financial needs in a quick seamless manner. […]
Reasons a Hard Money Loan Request Would Be Denied
Hard Money Loans are much easier to obtain than conventional bank loans. The approval process for a sHard Money Loan can take sometimes as little as a day and funding can be completed within a week or two, if approved. Whereas, funding for bank loans generally takes 30-45 days or more, upon approval. Hard Money Lenders are able to […]
LOAN to VALUE RATIOS
Often, the loan amount the hard money lender is willing to lend a borrower is determined by the ratio of loan amount divided by the value of property. This is known as the loan to value, or commonly by the acronym – LTV. Depending up on location and quality of borrower and property, many hard […]
How to Determine How Much to Lend
A common question asked by California private Trust Deed lenders and conventional mortgage brokers is how much loan to value will our investors loan. This is akin to how much risk is reasonable? And while there are basic guidelines and rules of thumb, each piece of collateral and borrower is different. We feel strongly that […]
Getting The Most From Your IRA
IRA investors’ interest in real estate has increased dramatically recently, due to the volatility of the stock market. The sharp declines in the marketplace have prompted investors to look for ways to diversify their IRA investment risk. The key to self-direction is the flexibility to place any legal investment in your IRA. Providing private mortgages […]
Trust Deed Versus Stock Market
1. A stock’s value fluctuates constantly. A trust deed’s value is always fixed and stable. 2. A stock is typically backed up by a conglomerate of equipment, property or services, sometimes outside the US. A trust deed is collateralized by real estate within the US, most often by homes or property within the investor’s local […]
Preparing A File For Submission
If you are planning to send me a file to review, it is important to create a favorable scenario for the investor. Of course, you are advocating for the borrower, but there must be a win-win philosophy to ensure the investor is satisfied. Keep in mind the five major criteria investors seek when making private […]
Creating a Solid and Persuasive Executive Summary
Considering the enormity of paperwork and requirements demanded by conventional lenders, it is incredulous that brokers send files that are so incomplete. The most important component of a good file is the executive summary. Sometimes called a Pro-Forma or Summary, the Executive Summary is a general overview describing the borrower, the collateral, the request, and […]