An integral element of commercial and investment real estate is the ever important component of financing.

Well researched and properly strcutured financing can often times  spell the differance between a good or bad real estate deal.

Each and every commercial and investment propery transaction is different requiring often times specialized financing. 

The capital financial markets are always changing. 

From conventional commercial loans to complex governmental financing, Bill McInerney has the knowledge, experience and connections to assist you in reaching your real estate goal or objective.

Bill McInerney has the experience of working for a major financial institution, the Bank of Boston, and has also worked closely with other major national banks,  financial institutions, insurance companies, pension funds and private lenders and knows their underwriting  requirements. 

Bill McInerney has worked closely with the  Smalll Buisness Administration in conjunction with private commercial banks  and financial institutions to provide levels of real estate financing and funding.

Many banks and financial institutions  now require up front professional in-depth and objective Market Analysis and Feasibility Studies and Discounted Cash Flow Analysis.

LOAN TO PROPERTY VALUE for commercial and investment are always dependent on the industry sector, the individuals involved  and the credit quality of the tenant(s).

In general terms, for small to medium sized loans a fair estimate for a borrower to consider would be to approximate maximum loan to value ratio of 70% to 80%. 

The length of commercial mortgage loan period will tend to be a maximium of 30 years.

LENDER FEES. Typically there will be a lender fee of from 1% to 2%  + depending upon current capital market conditions.

A NEW TYPE OF COMMERCIAL MORTGAGE:

Today many large national and international banks and financial institutions are offering what is known as " Shariah-compliant commercial mortgages."  These are under the guidance of the Shariah Supervisory Board. Highlights are:

• No Interest
• 25 Year maxium term
• Payments are fixed for the term