Mortgage & Commercial Lending News.

Houston's premier blog for all things related to Commercial and Residential Hard Money Loans.


What is the definition of Specialty Loan? A Hard-Money Lender's perspective.

Posted by Jim Emerson

Jul 13, 2020 10:57:51 AM

The first thing borrowers must understand about loans is that the PURPOSE of any loan DEFINES its category. This means that each loan nicknamed as a 'Specialty Loan' actually has a specific loan category that they fall under. We believe it's important to know with certainty what borrowers are looking for to maximize their time and effort.

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Topics: Specialty Loans, consumer loans, business loans

Residential Investments: 4 Rules for Fix and Flip loans.

Posted by Caleb Bowers

Aug 15, 2014 7:30:00 AM

What is a “flipping” a house?  A flip is a residential investment when a house is purchased in bad condition, intending to renovate and/or remodel. This is also the process called Fix and Flip Loans and is then listed for sale for a profit.  

So what can be some of the challenges when purchasing a home to flip?  These types of investments have many moving parts, so savvy investors will know how to look at the deal from different angles. The purchase price can be as important as the renovation budget or the contractor you pick. The typical variables such as location come into play, along with making renovations that are comparable to what is popular in its proximity. Following are some pointers to follow when venturing into flipper territory.

1. Research the Prior Condition of the Subject Property

It’s important to know as much as possible about the home before moving forward with the purchase of real estate investing to fix and flip loans.  Oftentimes times, flipped homes are foreclosures from banks. Bank-owned properties often sit vacant for extended periods, resulting in several possible things that can go wrong with the property. Has the home been vandalized? Copper wiring/plumbing removed? Did the pipes burst?  If there is moisture in a home, mold? These are all items that can have a considerable effect on the cost of the repairs, therefore making them key in the success of the transaction. 

2. Know who you’re working with

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Topics: Specialty Loans, Foreclosure, Tips, construction loans, residential investment

Is Your Property a Good Fit For Commercial Investment Loans?

Posted by Gonzalo Arjona

Jun 30, 2014 11:32:44 AM

4 Ways to Assess a Commercial Property’s Worthiness

Commercial hard money Loans are very useful options for people who face difficulties with their loan applications with conventional financiers or banks. Furthermore, private lenders are more open to originating ‘cash-out’ loans on commercial properties.

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Topics: Hard Money, Hard Money Loans, Houston Commercial Loans, Specialty Loans


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AMI Lenders' Commercial Lending blog contains helpful information to help you understand the intricacies of Commercial Hard Money Lending practices in Texas. 

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