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Chris Angell | Real Estate License Career Strategist – Real Estate License Roadmap: Real Estate Training That Takes Your Real Estate Career Beyond Real Estate School


Chris Angell | Real Estate License Career Strategist – Real Estate License Roadmap: Real Estate Training That Takes Your Real Estate Career Beyond Real Estate School
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Land Loan Lenders – What Hard Money Lenders are they looking for in 2010 and beyond?

Article by Scott Bowens

Land Loan Lenders – What Hard Money Lenders are they looking for in 2010 and beyond? – Finance – Loans

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Are you in the construction or development business and looking for a land loan to purchase or refinance undeveloped land that you intend to build on or sell in the near future? Since most banks and financial institutions are not considering land development deals in 2010 a hard money land loan may be the only answer.

Below you will find a guide to what hard or private money lenders are looking for in today’s economy.

Strong location – The old adage Location – Location – Location has never rang truer than in today’s challenging real estate market. Hard Money land loans are not typically approved in rural areas. The property must be within the path of growth. Usually, the city or town must have at least 25,000 people. There are no set guidelines however, as a general rule, the more desirable the property location is, better chances of getting an approval.

Low Loan to Value – Because of the historical high prices of real estate and the over leverage of funding that has occurred in the past 3 – 4 years and beyond, most land projects have reduced equity positions as compared to a few years ago. Therefore, most Hard Money Land Lenders will only lend based upon a 30% – 50% loan to as is value. Keyword to learn is today’s value, not 6 months from now, or once all approvals are in place. Future values generally make no difference in a hard money land loan.

Obtain Correct Zoning – There are several examples of zoning across the Nation. Some classifications may include Agricultural, Residential, Commercial, Industrial, and these different zoning classifications may have several sub categories which further define the permitted uses of the land. There may be different processes within each city or county that governs the zoning ordinances that are necessary to gain approvals for your project. Most hard money lenders will not consider raw land or incorrectly zoned land unless the project has significant equity to withstand the time in order to successfully change the existing zoning.

Experience – It’s fair to say that if you have not had any investment or development experience in the past, your chances of getting a hard money land loan funded is slim to none. Only unless you have stumbled into the deal of the century and have an excellent team of professionals behind you, this loan is only for the experienced investor or developer.

Solid Exit Strategy – Most important of all is a solid exit strategy. Since many construction lenders have taken a seat on the sideline with a large bottle of oxygen. The exit strategy is sometime difficult to prove but, nevertheless still an important aspect of a land loan. Be sure to be as detailed as possible without being overbearing when discussing your project.

One more thing to consider, there is typically a minimum loan amounts associated with land loans. Most hard money lenders will not consider loans under $ 500,000 for land so, in the interest of saving you and the lender time, be sure to ask if there is a minimum before spending several minutes discussing your proposal.

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Hard money construction loans in Peoria Arizona on www.lendinguniverse.com HARD MONEY LOANS DETERMINATION.—The Council, on a non delegable basis and by avote of not fewer than ? of members then serving, including an affirmative vote by the Chairperson, may determine that a US nonbank financial COMPANY shall be supervised by the Board of Governors and shall be subject to prudential standards, in accordance with this title, if. troller General of the United States. LENDING C) AVAILABILITY OF REPORTS.—Any report prepared pursuant to subparagraph hard money loans B) and section (c private investors at www.lendinguniverse.com ( private investors at www.lendinguniverse.com shall be made available to the public by the Corporation. LENDING D) RECORDKEEPING REQUIREMENT.— LENDING i) IN GENERAL.—The Corporation. hard lender B) by striking ”and the Office of Thrift Supervision,”. hard lender e) ASSISTANCE FROM FEDERAL AGENCIES.—Any department or agency of the United States may provide to the Office and any special advisory, technical, or profes sional committees appointed by the Office, such services, Futurends, facilities, staff, and other support services as the. other transfer obligation arising under or in connection with or more contracts or agreements described in clause (i private investors at www.lendinguniverse.com , includ ing any master agreement for such con tracts or agreements. hard lender B) APPLICABILITY OF OTHER PROVI SIONS.—Subsection hard money loans a) hard
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Low-Glycemic Nutrition Tops Others: Cenegenics Program Goes Beyond Harvard Medical School Research to Real-Life Application, Hormonal Balance, Maximized Results


Las Vegas, NV (PRWEB) August 23, 2012

The Cenegenics customized healthy aging program goes beyond the recent Harvard Medical School research on nutrition, published in the “Journal of the American Medical Association,” to real-life applications, demonstrating the positive impact low-glycemic nutrition has on hormonal balance, caloric control, body composition, glucose metabolism, inflammatory markers and satiety, announced Cenegenics? Medical Institute, the global leader in age management medicine. Pairing foods, clearly defined carbohydrate options and an individualized approach per each patients baselineversus the generic ratios applied across the board in research and other nutritional planshelp Cenegenics target a patients health goals, from insulin management and body fat percentage to improved energy expenditure (calories burned).

A calorie is not a calorie, per this latest Harvard research, entitled “Effects of Dietary Composition on Energy Expenditure During Weight-Loss Maintenance.” There is a definite hormonal impact from food as well as a thermogenic effect. The low-glycemic diet?proved to have a higher thermogenesis (higher resting energy expenditure) than a low-fat diet. The bottom line: High-glycemic foods elevate blood glucose and spike insulin levels, which results in a higher body fat percentage and more pounds of fat.

Its not just about body composition, but also the blood valueshemoglobin A1C, glucose and insulinwhich indicate the amount and quality of carbohydrate youre eating. We teach patients to not only choose the right low-glycemic carbohydrates within the right portions for their needs, but how to properly pair those foods with lean protein and healthful fats to avoid elevating insulin throughout the day. And its that approach that continues to help our patients achieve results, Cenegenics Director of Nutrition/Exercise Rudy Inaba said.

Inaba also is the nutrition/exercise instructor for the Cenegenics Education and Research Foundations (CERFs) highly regarded Physician Training and Certification in Age Management Medicine program.

In real-world applications, Cenegenics nutritionists can widen the door for more variety to see what fits an individual patient, rather than the blanketed 40-40-20 ratio used in the Harvard study, says Inaba.

By choosing whole-food sourceslow-glycemic carbohydrates (primarily vegetables and fruits), healthful fats (high in omega-3s/omega 9s), lean protein sources (low in saturated fats)a patient has better control of the amount of glucose entering the bloodstream. That helps reduce the amount of insulin present in the blood and, as a result, allows the patient to feel more energized and use the bodys fat stores as a primary fuel source, Inaba said.

Physicians can discover the rewarding benefits of practicing age management medicine and Cenegenics physician training/certification program by contacting Dr. Michael Resnick (702.953.1574) or Dr. Tim Patel (702.953.1577).

Visit Cenegenics Facebook Fan page, follow them on Twitter and get patient celebrity blogs, health tips and news on their portal site, CenegenicsPost.

For more information about Cenegenics, please visit them online, where you can register for quick access to the free online Cenegenics Healthy Aging Kit: informative Guide to Healthy Aging, Executive Summary and media excerpts.

To schedule an interview, please contact Ann Castro, Cenegenics Director of Media Relations: 702.953.1588.

About Cenegenics

Cenegenics? Medical Institute has forged a paradigm shift in medicine, developing a proactive medical approach for optimized health hailed as next generation medicine and garnering worldwide media attention. Cenegenics has 21 centers with others opening in the near future: Las Vegas, Nevada (headquarters/2 centers); Charleston, SC; Boca Raton, Florida; Dallas, Texas; Arlington, Texas; Atlanta, Georgia; Chicago, Illinois; Beverly Hills, California; Philadelphia, Pennsylvania; Washington, DC; New York City, NY; Tulsa, OK; Jacksonville, FL; Atlantic City, NJ; Houston, TX; Denver, CO; Scottsdale, AZ; Boston, MA; Miami,FL; Charlotte, NC. Cenegenics serves over 20,000 patients globally2,000 are physicians and their families.

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Land Loans – Where to locate a Hard Money Land Loan for 2010 and beyond?

Article by Scott Bowens

Land Loans – Where to locate a Hard Money Land Loan for 2010 and beyond? – Finance – Loans

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There are basically two types of land loans that are being underwritten and funded in today’s market. Seller financing or hard money land loans are really the only 2 sources for money in 2010 and the foreseeable future. A traditional bank may consider lending money on land only if the borrower is extremely strong financially, meaning excellent FICO scores, strong liquidity, high net worth, tons of experience, and a first son to include for extra security. If you are not willing or able to qualify for bank financing or the owner is not willing to finance the debt on their own, don’t feel bad your other option is a hard money land loan.

Many residential and commercial developments stalled during 2008 and 2009 for various reasons including reduced values from already high loan to values, banks pulling credit lines, or lack of permanent capital financing which left many companies and banks holding the bag on undeveloped or partially developed projects.

Because of the historically aggressive lending environment, the market has created a lot of opportunities and the light at the end of the tunnel is becoming a little brighter for shovel ready projects. If the land is property zoned, engineered, and approved by the city or county for a specific use such as a residential sub division, commercial office, multifamily apartments, or light industrial pads and you are in a larger metropolitan area, you may have an opportunity to seize an property and acquire a stalled project at a deep discount from a traditional bank or hard money lender that is looking to get out and add liquidity to their portfolio.

Hard money land loans have much higher interest rates, lower loan to values, and usually require a decent down payment or a large amount of equity baked in before consideration. The reason is simple. Land loans are a risky business. Commercial land or lots typically do not cash flow positive or produce any income on a monthly basis so servicing the monthly debt can be difficult.

Hard money lenders lending on land want to know they’ll see a return on their investment. Lenders don’t want to worry that the borrower may not be able to pay the loan back or that they may simply walk away if times get tough. It is for this reason the land loan notes are typically written for 12 – 24 months with an interest reserve that mirrors the term already built into the loan so the borrower won’t have to meet the monthly debt obligations.

Getting a land loan is by no means an impossible task however, when applying for a land loan, be sure to have a good location, 30 – 50% as-is loan to value, correct zoning for the project, and a solid exit strategy on how the loan will be repaid successfully.

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Are you looking for the best deals and rates on Loan Lenders ? Visit http://directmoneylenders.com/ today for more information!

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Scott Bowens



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