Are you seeking an SBA loan for your business?
Financing your growth and expansion is crucial, and the Small Business Administration (SBA) loan program offers a wide range of credit options with extended repayment terms and small down payments. Before you dive into the application process, it’s essential to understand how SBA loans work and explore your program options. In this guide, we’ll walk you through the key steps and benefits of SBA financing.
1031 As an Estate Planning Tool
1031 is a great way to preserve equity, reposition assets and defer substantial amounts in taxes. 1031 Exchanges can be a great estate planning tool for real estate investors.
Happy New Year
Wishing everyone a bright and healthy New Year from INSIGNIA Financial Services LLC! https://insigniafs.com/wp-content/uploads/2022/12/IFS-2023-Happy-New-Year-Facebook-Post-1-1.mp4
Freddie Mac Multifamily Experience
Freddie Mac will begin accepting ownership of two- to four-unit properties (duplexes, triplexes or quadplexes) as relevant experience for all loans in its Optigo® Small Balance Loans (SBL) program.
Private Money Loans vs. Hard Money Loans
Investing in real estate is a very lucrative business, but you can only succeed with access to capital.
Private and hard money loans are great options for real estate investors because they give you access to capital with fewer requirements and greater certainty.
The Housing Market Correction
Low supply and strong demand will limit the extent home prices depreciate. If our forecast for Fed rate cuts is realized, mortgage rates are likely to fall slightly, which will spur an improvement in sales activity and reignite home price appreciation heading into 2024.
Chicago South Side Multifamily Investor Meetup
Join Root Realty and INSIGNIA Financial Services LLC for the Southside Landlord Enrichment Event
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
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
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 […]
Nearly $100 Billion in Available SBA EIDL Funding and Grants Available Through 12/31/2021
Time is running out for businesses to get COVID funding from the Small Business Administration. Are you leaving money on the table? Unfortunately, many are. The Economic Injury Disaster Loan program, or EIDL, was created as an offshoot of the agency’s existing disaster loan programs. It is specifically targeted at businesses in disaster areas caused by […]
The US Tax Code Favors Real Estate Investors
Yet, most investors don’t know how to take advantage of these tax benefits. A real estate investor focused, virtual CFO will help investors implement tax savings strategies to successfully to reduce or defer the resulting income tax from the sale of real estate. Real Estate Investors can face unique tax challenges from the sale of real […]
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.
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.
Single-Tenant Net-Lease Market Firing On All Cylinders As Cap Rates Hit Historic Lows
Competition among investors for single-tenant net-lease properties intensified last year, sending cap rates down to historic lows, and the widespread eagerness to buy in this market may not slow down in 2020, according to a Q4 net-lease report by Wilmette, Illinois-based The Boulder Group.
Eight Predictions for the Industrial Sector in 2020
Industrial properties have been highly sought-after by investors for the past several years. Will that trend continue in 2020?
SFR Investors Plan to Step Up Acquisitions in 2020
With strong rental growth and lower interest rates, the time looks favorable for acquiring more single-family rentals.
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
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.
The High-Earning Renter Segment is Growing Fast
The higher-earning renter household ($100K annual earnings) is the “fastest growing segment of the U.S. housing market.”
Investing in Multifamily with a Recession Ahead
Having an asset that produces strong cash flow enables you to hold that asset through market conditions during which many others are forced to sell at discounted price levels.
Multifamily Investment Capital
The multifamily sector continues to draw a steady demand for financing.