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Timing Interest Rates
This discussion is relevant to refinances, when there is not a looming loan maturity. 🔍 Should I postpone closing my loan, because I...


Part 1 – Get Better Loan Terms: Deposits
Banks will give their BEST customers better deals than everyone else. So how do YOU become one of their best customers? 📢 PART 1:...


Part 2 – Get Better Loan Terms: Reporting
Want better loan terms and faster approvals? Be your bank's favorite customer. 📢 PART 2: REPORTING. This is very important to...


Part 3 – Get Better Loan Terms: Financial Covenants
What is the most important (and rarely discussed) part of your commercial banking relationship? Be your bank’s favorite customer. ...


Investment Advice in the Bible: The Power of Diversification
📖 Bible Reading: Ecclesiastes 11:1-6 1 Ship your grain across the sea; after many days you may receive a return. 2 Invest in seven...


How Insurance Costs Can Shrink Your Loan Proceeds
Background Lenders underwrite loans based on net operating income (NOI), and one of the largest line items affecting NOI is insurance...


Sources and Uses for A Refinance: A Case Study
Background I had been working with a client for over a year and a half to plan for the refinance of his multifamily property. He...
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