Homeowner Association Loans

In this quick post, we’ve answered some of the most frequently asked questions concerning Homeowner Association (HOA) loans to fund capital projects, repairs and maintenance while avoiding special assessments.

The Impact of Rising Interest Rates on DSCR Loans

Long term rental loans, or DSCR (debt service coverage ratio) loans, have become popular in recent years for investors looking to buy and hold properties. Borrowers love them because these loan types allow them to qualify for a financing using their property’s cash flow rather than their income, and lenders love them because they can be highly accretive to their loan portfolios held for investment.

Strong Incentive to Refinance Commercial Loans Ahead of Maturity

Now is an ideal time to review your commercial real estate financing that may be maturing within the next two to four years and determine whether it would be beneficial to refinance in advance of the scheduled Maturity Date. Consider key factors, such as the ability to lock in a new rate and access equity or reduce risk with an extended term, while also weighing pre-payment terms to determine how much may be saved over the term of a new loan.

CRE Capital Markets Placement Services

cre capital markets

INSIGNIA Financial Services provides access to comprehensive debt placement and equity syndication for all your commercial real estate financing needs, including conventional agency financing, permanent financing, bridge loans, rate and term refinances, cash-out refinances, investment equity lines and loans, as well as acquisition and rehab loans

DSCR+ Most Flexible Loan for Single Family Real Estate Investors

DSCR+ Real Estate Investor Loan

INSIGNIA Investor DSCR+ Loan

DSCR as Low as .75x
620 Minimum FICO
Cash Out Up to $750K
85% LTV with a 720+ FICO
Loan Amounts Up to $2.5MM
Interest Only Up to 80% LTV
No Personal Income Qualifying
First Time Investors Welcome
LLC, LP, Corp, or Individual
Warrantable & Non-Warrantable Condo

Nationwide Debate Over Moratoriums and Good Cause Evictions

Good cause eviction legislation has been gaining momentum in recent months, especially in New York state. Since last summer, four upstate cities have passed good cause eviction laws, including Albany, Poughkeepsie and Newburgh. Meanwhile, smaller towns like New Paltz, Kingston, and Hudson are also considering passing similar bills.

Distressed CMBS Hotel Loans Generated Average Cap Rate of 11.84 Percent

The year that just ended was dominated by a new variant of COVID-19, and the surge in the Omicron strain meant a delay to return to office plans, dampened consumer activity and fed global supply chain woes, writes Kevin Thorpe, Cushman & Wakefield chief economist. “However, just weeks into 2022, we have reasons to be cautiously optimistic, which bodes well for […]

Why You Should Consider Agency Financing For Your Multifamily Property

Could agency lending be the right fit for your multifamily investment? While there are many options to consider when financing your multifamily property, INSIGNIA is here to help you navigate the process. For more information, talk to one of our multifamily experts or get an instant quote through our instant quote tool.

When Natural Disasters and Severe Weather Strike

As we follow the aftermath of this weekend’s tornadoes, we’re thinking of all those in the central and southern U.S. who were affected by the storms. We hope you and those you care about are safe.   If you or someone you know has been affected, here are some resources that might help: FEMA’s “Help […]

2020 Mid-Year Multifamily Outlook

The vast majority of apartment properties are performing well despite the crisis caused by the coronavirus; however, that may change if lawmakers do not renew or replace the programs supporting millions who lost jobs or income, according to mid-2020 forecasts from economists at three apartment market research firms.

RESOURCES FOR SMALL BUSINESS DURING COVID-19

INFORMATION AND RESOURCES FOR SMALL BUSINESS DURING COVID-19 As our global community looks to contain and combat COVID-19 (or what’s commonly referred to as the Coronavirus), businesses must take every precaution to ensure the safety of both their employees and their customers. The outbreak and response leave many small business owners feeling stressed and anxious; […]

SBA 7(a) Relief Loan | COVID-19 Coronavirus

On March 27, 2020, the President of the United States of America enacted the Coronavirus Aid, Relief, and Economic Security Act (the “CARES Act”), that increases the maximum Small Business Administration’s 7(a) loan amount to $10 million and would expand allowable uses of 7(a) loans to include payroll support (including paid sick or medical leave), employee salaries, mortgage payments, insurance premiums and any other debt obligations.

You Asked: Single Family Rentals

INSIGNIA loves working with investors in single family rental (SFR) properties (single family, townhouse, condo, 2-4 unit) due to their defensive nature and durable moat. Given the late stage of the market cycle, we are seeing a focus on affordable housing since investors largely believe this sector will outperform higher class housing in a recession. Multifamily investing is an excellent strategy, but requires a little more sophistication and capital when done properly.

Americans are Moving Less According to US Census Bureau

Correlation to higher percentage of long-term renters for real estate investors in single family and multifamily rentals.

Fewer than 10% of Americans moved to new places in the 2018-2019 year, the lowest rate since the Census Bureau began tracking domestic relocations in 1947.
Why it matters: Despite a strong economy, more people are feeling locked in place. Young adults, who have historically been the most mobile, are staying put these days thanks to housing and job limitations. So are aging adults who are reluctant to (or can’t afford to) make a move.

Four Trends in REI To Watch For In 2020

INSIGNIA Financial Services

2020 will be an especially challenging time for investors because the economy is slowing, trade wars could drastically affect specific localities, and some of the hottest real estate markets are already cooling down.

Seller Financing

Both buyers and sellers stand to gain from seller financing. If you are a buyer, seller financing can give you the capital you need to actually make the purchase happen and make other lenders more likely to provide you with financing. If you are a seller, offering seller financing will bring you more prospects and perhaps let you charge a slightly higher price for the business.