Craig Higdon has over 14 years experience in financing commercial loans, small business loans, construction loans, and land loans. He owns Excelsion Mortgage, a commercial mortgage brokerage offering real estate investors a wide range of resources to help them in their investment activities.

A powerful method for building real estate holdings is the use of 1031 Exchanges, which lets investors defer capital-gains assessment on investment property.

Government Agency guaranteed or sponsored transactions, including:  SBA 7(a) and 504, HUD construction loans for multifamily projects, Community Reinvestment Act loans, USDA Business and Industry loan...

While costs such as office equipment and furniture are easily recognizable as personal property, construction-related costs that are often included as part of real property may also qualify.

By taking an equity interest in and reducing rent to “fresh” retail models, landlords will drive traffic to shopping centers and improve investment returns on the entire shopping center.  

Depository Institutions which include Banks, S&L’s, Credit Unions, and Mutual Savings Banks.  They prefer shorter term financing such as construction and bridge loans with adjustable or short term fix...

Commercial property owners face greater economic challenges because of property size.

There are several advantages to being a Specialist in commercial real estate. 

The Green Building Certification Institute (GBCI)–an independent organization– administers LEED certification for all commercial and institutional projects.

Commercial REITs and developers are facing serious financing trouble as more than $500 Billion in commercial loans come due this year.

This surprisingly high reduction in loan volume was also noticeable in the 13% drop in the programs combined loan value.  On the supply side, banks have liquidity issues that have resulted in their re...

Everyone is well aware of the cyclical nature of commercial real estate, as well as the potential for significant profits to be gleaned by purchasing assets.

An investor’s decision-making process focuses on underwriting real estate as the primary driver.

Like most other industries it is clear that Commercial Real Estate is in the midst of an economic downturn the likes of which we have never seen before. 

Invest in or keep your commercial real estate, but adjust your lease rates to keep your tenants intact.  I’ve written a past article on how even in a declining value market, income-producing real esta...

So let’s talk about pictures and commercial loans.  One of the key items overlooked in most commercial financing requests is pictures.