Charlotte NC Commercial - Blog #Commercial Real Estate LoansCharlotte NC Commercial - Blog #Commercial Real Estate Loanshttps://www.charlottenccommercial.com/blogs/tag/Commercial-Real-Estate-LoansFri, 03 Jul 2026 06:08:37 -0700http://zoho.com/sites/<![CDATA[A Comfort Zone in Loans and Investments]]>https://www.charlottenccommercial.com/blogs/post/a-comfort-zone-in-loans-and-investments

A Comfort Zone in Loans and Investments

Each investor has a “comfort zone” about loans. The leverage seeker wants the largest loan that is practical. Others may have experience or training that calls for no loans at all. They must have the property free and clear. 

Most of us have a loan comfort zone somewhere between these extremes. Nearly everyone accepts the idea of some sort of mortgage. The use of OPM (other people’s money) makes sense.

The comfort in loans may affect the type of investment. Many of these “free and clear” owners prefer land as the investment. They want no improvements on it, just the bare land.
Here’s some of the benefits of investing in unimproved land. These can make a lot of sense.

  • There are no tenant problems. There may be a simple lease for farming or grazing, but only limited contacts between lessor and lessee. Often, the investment land lies unused.
  • A well-chosen land investment can result in huge profits. We have all heard stories of owners who have purchased land for just a few dollars an acre, then later sold for millions! (The key is “well-chosen”).
  • Land is a secure investment. Even in the worst economic situations, the land is still there. Value can fluctuate, but the investment will not disappear.
  • Land represents wealth. It can be a quick source of cash for an owner to use for another investment. Land looks good on a financial statement. It adds permanence and stability to an applicant for loans or for a line of credit.
]]>Wed, 01 Jul 2026 10:45:00 -0400<![CDATA[How To Prepare A Commercial Loan Request Package]]>https://www.charlottenccommercial.com/blogs/post/how-to-prepare-a-commercial-loan-request-package-2
This month's newsletter has just been released! Check out the latest tips for tenants and users of commercial real estate space. In this issue
  • Preparing A Loan Request Package
When preparing a loan request package for presentation to the lender, the real estate borrower must be as complete as possible the first time. Insufficient, imprecise, or incorrect data in a loan request package can mean a rejection for an otherwise attractive real estate loan. Following are suggestions on things to include with the loan request package.....(more)
  • Creating An Apartment Sales Package
​​​​​​​​​When we are marketing your apartment property, we have a two-fold job facing us. First, we must persuade the prospective buyer to go out to see the property, then, second, get him to see it though your eyes, with its full potential fully realized. Creating the well-conceived descriptive sales “package” or report on the property can help to accomplish both of these aims.......(more)
  • Matching Tenants To Apartments
Property managers must always think about the type of tenant that is most likely to reside in that particular building. For example, when apartments in a project rent for lower monthly amounts per year, tenants will be concerned primarily with shelter......(more)
  • The Power of An Assemblage Option
The option is an extremely versatile investment tool that comes in a variety of forms and can be used for a variety of purposes. The best part of an option is that it gives the optionee (the party holding the option) control over property (in the sense of the right to acquire it) for a very small cash outlay......(more)
    Click Here For This Months Newsletter
]]>Fri, 02 Aug 2019 20:29:55 -0400