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Investor LoanIn many ways a commercial investor loan is just like a residential mortgage in that you pledge real property as collateral against a loan to either buy or refinance that property. You can also receive a commercial refinance and use it as a line of credit for any business purpose. When you use a commercial mortgage to buy property, or to raise funds for any other business purpose, the lender retains an interest in that property until the loan has been paid in full. Unlike other types of business loans, which usually have a relatively short repayment period, you can take out a loan for as long as 30 years if you like. The lender receives repayment of the commercial investor loan principal and interest over the lifetime of the loan. If you default on the loan and go into arrears then the lender can foreclose and take possession of the property which was used as collateral. Generally speaking, the interest on a commercial investor loan is tax deductible and the net proceeds of the loan are not considered to be taxable income. However, you should always check with your accountant to be sure because the tax consequences can be severe should it be determined that your usage of the funds was not for a qualified business purpose. Should you be seeking a commercial investor mortgage for the purposes of operating your business, rather than actually buying property, then the lender will either want to refinance your current mortgage, and include enough money to provide the amount that you are seeking, or they may arrange an equity line where they lend you the difference between the current value of your commercial property and the amount that you owe on the current mortgage. |
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Articles24/06/06 11 Deadly Mistakes When Applying for a Mortgage 11 Deadly Mistakes When Applying for a Mortgage ... 24/06/06 2nd Mortgage - Better Than Refinancing You have probably received refinancing offers in the mail or advertised online touting your ability to pull out your home’s equity. But a 2nd mortgage, also called an equity loan, may be a better financing option than refinancing your mortgage. 2nd mortgages ... 24/06/06 2nd Mortgage Loan After Bankruptcy - Get Approved Online A 2nd mortgage loan after a bankruptcy is possible in as little as two years. Refinancing your mortgage can help you make needed home improvements or pay off high interest debt. Refinancing with adverse credit history requires savvy shopping on your part to ... 24/06/06 4 things to watch out for when choosing a mortgage company We all know that there are a lot of mortgage companies out there. But how do you know which company to choose? Some companies have flashy advertisements about low interest rates, but are they really the best company to choose? A mortgage is a very large investment, ... 24/06/06 40-Year Mortgages: An Alternative to Interest-only Loans? Interest-only loans are quickly becoming a mainstream loan product. Borrowers who were initially turned-off by the perceived risk associated with an “interest-only” loan are now starting to see the benefits: Lower payments, less money tied up in equity, more ... 24/06/06 5 criteria to get your Home Loan Mortgage approved Why do some people get their home loan mortgages approved in a breeze while others struggle through with hiccups? What are the differentiating factors between one application and another? What do lenders look at when they evaluate you? ... 24/06/06 5 Things In Selecting The Best Mortgage - You Should Know Your goal is not only to find the best rates and programs, by searching through a huge number of lenders products, and save yourself thousands of dollars on mortgage payments every year, but also, to save time and hassle by simplifying the loan process ... 24/06/06 6 Helpful Tips On Mortgage Financing Here are some mortgage tips that can help you obtain a mortgage with less hassle, and at a lower overall cost: ... 24/06/06 7 Reasons to Choose a Mortgage Broker over On-Line Lenders 1. Personal Advice: Breakwater Mortgage Corporation calls Hampton Roads and the surrounding communities (Norfolk, Suffolk, Chesapeake and Portsmouth) home and an on-line lender could be located anywhere. Breakwater Mortgage Corp. is located in Virginia Beach ... 24/06/06 97% Of American Homeowners Overpay Their Lender In Mortgage Interest Every Month. 97% Of American Homeowners Overpay Their Lender In Mortgage Interest Every Month. ... Current Rates |
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