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Forward Commitment | United Capital Companies, Inc.
http://unitedcapitalco.com/products/specialty/forward-commitment
Become a Preferred Broker. Forward commitments are most frequently used for development projects to secure take-out debt upon project completion. Locking in a loan amount and an interest rate during the construction phase helps the developer reduce the considerable risk exposure involved in any development project. 2016 United Capital Companies, Inc. 11622 El Camino Real. San Diego, CA 92130. Houston, TX 77074.
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CMBS | United Capital Companies, Inc.
http://unitedcapitalco.com/products/permanent/cmbs
Become a Preferred Broker. Commercial Mortgage Backed Security (CMBS) loans are non-recourse commercial real estate loans. The CMBS structure provides borrowers access to the large fixed income capital markets. In addition, the tranching of CMBS bonds gives investors more tailored risk exposures. For bond buyers, the waterfall payment progression dictates rights to cash flows from loan proceeds. Each month the interest received from all of the pooled loans is paid to the investors. Investors hold...Prope...
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Mini Perm | United Capital Companies, Inc.
http://unitedcapitalco.com/products/permanent/mini-perm
Become a Preferred Broker. A mini-perm loan is a type of short term conventional loan typically used for acquisition of a commercial or multi-family property and establishment of an operating history, in preparation for obtaining a long term loan. The loan carries a balloon payment at the end of the term with the anticipation that the loan can then be easily refinanced with permanent fixed-rate debt. This is due to the fact that the property now has an operating history on which to successfully obtai...
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Construction | United Capital Companies, Inc.
http://unitedcapitalco.com/products/construction
Become a Preferred Broker. Construction loans are typically provided by local and regional banks. Other sources include money center banks, Pension Funds, Insurance Companies, and Credit Companies. Construction loans typically require some level of recourse, including a personal guaranty of completion and repayment, though recourse may be capped. Interest rates are set as a credit spread over Prime or LIBOR; a floating rate of interest facilitates efficient incremental draws and re-payment flexibility.
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Letter of Credit | United Capital Companies, Inc.
http://unitedcapitalco.com/products/specialty/letter-of-credit
Become a Preferred Broker. A bank charges a small annual fee to stand by with funds in case the borrower is not able to repay their debts. Unlike direct loans, the bank need not report obligations under letters of credit as liabilities in its financial statements, nor is the bank required to maintain a certain amount of bank reserves to back up its letter of credit obligations. 2016 United Capital Companies, Inc. 11622 El Camino Real. San Diego, CA 92130. Houston, TX 77074.
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Line of Credit | United Capital Companies, Inc.
http://unitedcapitalco.com/products/specialty/life-company
Become a Preferred Broker. A Line of Credit is a pre-established amount of credit extended to a borrower by a lender that can be drawn upon as needed. Such loans are used to provide quick liquidity for acquisition or development of real estate, to leverage notes receivable, or other purposes subject to pre-approval by the lender. The structure of the line is flexible and can be adjusted to the needs of both the borrower and the lender. Lines of credits are typically limited to 2 to 3 years. Once the Line...
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Owner-User | United Capital Companies, Inc.
http://unitedcapitalco.com/products/specialty/owner-user
Become a Preferred Broker. Owner-user financing is for borrowers that are both owners as well as tenants. This type of financing is used for acquiring, refinancing, and constructing owner occupied commercial real estate properties. For example, many lenders require borrowers to have positive net cash flow for at least the past 2 to 3 years. The borrower must also occupy at least 51% of the gross-rentable space (normally for one year). 2016 United Capital Companies, Inc. 11622 El Camino Real.
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Portfolio Lending | United Capital Companies, Inc.
http://unitedcapitalco.com/products/permanent/portfolio-lending
Become a Preferred Broker. Portfolio lenders not only originate mortgage loans, but also hold a portfolio of their loans instead of selling them off in the secondary market. A portfolio lender makes money off the fees for originating the mortgages and also seeks to make profits off the spread between interest-earning assets and the interest paid on deposits in their mortgage portfolio. The cardinal rule for portfolio lending is preservation of capital- no matter how the capital is invested, it must not l...
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Financing | United Capital Companies, Inc.
http://unitedcapitalco.com/financing
Become a Preferred Broker. United Capital Companies, Inc. Is both a direct lender and a premier nationwide conduit between users of capital and providers of capital. Sophisticated developers and investors value our ability to custom-tailor closings that deliver the smartest money. We provide fee-based advisory services for real estate capitalizations of all magnitudes. We enable clients to maximize the value of their real estate holdings with a sound financing solution backed by market-smart capital.
