Archive

Why You Should Work with a Commercial Mortgage Broker

When it comes to financing multifamily and commercial real estate, the assumption that a bank is the sole option for borrowers is far from the truth. In today’s dynamic market, while banks and credit unions play a role, there exists a multitude of alternative financing options.

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mixed use real estate

Commercial Real Estate Cap Rates and Market Values

Cap rate, short for capitalization rate, is a crucial metric in the world of real estate investment. It serves as a benchmark for comparing property values and offers a quick estimate of your expected return on investment (ROI). In essence, cap rates can be distilled into a simple formula:
Cap Rate = Net Operating Income (NOI) / Current Market Value

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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

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multifamily bridge loans

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.

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single family rental portfolio financing

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.

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Residential real estate investor loans

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.

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DSCR+ Real Estate Investor Loan

DSCR+ Loan for Single Family Rentals

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

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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.

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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.

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rental portfolio loans

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.

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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.

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