Commercial Loan Training
Commercial loan training ebooks..."wearing the lender's hat"
Here is your first step in learning how to pre-qualify your commercial loans before you submit them to your lender
Learn tax return & cash flow analysis for multifamily, retail, owner user (SBA), single tenant, mixed use and all investor properties
- "How To Analyze Tax Returns For Cash Flow"
- "How To Analyze Commercial Properties For Financing"
Book 1: "How To Analyze Tax Returns For Cash Flow"
Bonus Book 2: "How To Analyze Commercial Properties For Financing"
INCLUDED... "interactive Excel templates" that automatically calculate loan amounts for you.
These pre-qualifying methods are what we refer to as "The Quick & Dirty" way to analyze your loan.
- These commercial loan training ebooks take the intimidation out of originating, packaging and submitting commercial loans to your lender.
- Easily learn how to abstract cash flow from tax returns for Sole Proprietors, S & C Corporations, LLC & Partnerships
- Learn how to come up with that magic number, the "Net Operating Income" necessary to establish loan amounts and/or property values
- Abstract the net cash flow from your clients tax returns to determine if you have a qualified borrower.
- Learn how to work with the property operating statements to stay in-line with the lenders underwriting guidelines
- You will know on the spot if your potential loan has the chance of even getting past the lender's front door
Why you will benefit from learning this...
- You’ll never have to refer your commercial loans to someone else...keep the loan under your control
- Real estate brokers and your clients will respect and most of all TRUST you for your ability to get commercial loans done
- If you are doing property tax appeals or commercial BPO's, then commercial loan training is highly recommended
- Commercial lenders love it!... when you know this stuff!
Commercial loan training does not come easy...
There are only a handful of qualified companies or individuals in any given area who actually know how to pre-qualify (pre-underwrite) a borrower and the property for commercial financing. The flip side to this is, you need to be working as an agent for them in order to get the training.
You'll learn from years of experience...
I have written these Ebooks in exactly the way I analyze my loan transactions and property analysis. I've been using these methods for years and they have served me well for the hundreds of commercial loans that I've originated.
Bank loan officers, asset managers and your prospective clientele will appreciate working with an experienced mortgage broker rather than one who is merely "cutting-his-teeth" on the loan transaction.
These commercial loan training ebooks are unique and one-of-a-kind...that's why they are endorsed by the commercial lenders.
"How To Analyze Tax Returns For Cash Flow...Qualifying Borrowers For Commercial Real Estate Loans"
Note: This ebook is in a PDF format and can be opened with Adobe Acrobat 5.0 or a later version. You can download Adobe's latest version for free by clicking here
Tax return cash flow analysis is easy.With these commercial loan training manuals, you will learn how to abstract the necessary income & expenses from your borrower's tax returns.
- Do your cash flow analysis with confidence in minutes
- Make your decision on the spot to either squash your loan transaction or move forward with it
Cash flow abstract made simple...all you do is move figures from the tax returns to the cash flow analyzer. Arrive at your bottom line with a simple calculator or use the cash flow templates provided.
Comments from professionals in the banking industry...
"This is good tax return analysis if you are in the business of doing commercial loans
It's an easy and efficient way to prequalify your borrower's cash flow position when working with their tax returns
Much needed information for this industry"
Pacific Alliance Bank
"Kurt, many thanks for your Tax to Cash Analysis. Any loan specialist can benefit from using this analysis
You have provided a means to effectively vet a deal, and to create a positive and timely experience for borrower (if used properly)
Every bank has their own underwriting criterion, but you have covered the essential basics of Cash Flow Analysis."
Ross S. Uchimura
San Francisco, Ca.
"Excellent way to understand cash flow from tax returns
This will save brokers lots of time and help them process more loans"
MICHAEL D. TOGUT
Regional Sales Manager
Fountain Valley, Ca
Love the training manuals!
"I've never seen a commercial loan training manual so detailed; it does not only tell you the how, but also the why; which makes it easier to comprehend".
"If you are new to commercial loan origination, this is the first place to start with your training".
Great job Kurt!
Senior Vice President &
Security Bank of California
Bonus BOOK 2:
"How To Analyze Commercial Properties For Financing"
In this manual, are the templates and the guidelines that I use when pre-qualifying the income/expense streams for commercial, owner user and multifamily properties.
If you don't know enough about loan analysis, DCR requirements, net operating income, cap rates, etc., and you are doing commercial loans...then you need commercial loan training.
Don't be a "hit & run" loan agent! You want your commercial loan business to repeat itself through referrals from your clientele base.
The quality of information written in these ebooks will give you the training that is difficult to find in the commercial loan industry.
Note: HP 12-c real estate calculator used on all math formulas.
Any simple calculator that performs amortization and debt coverage ratios will suffice.
Kurt: Congratulations! You have finally written a wonderful step by step guide to the commercial loan process. Both books are extremely well written and give the loan student an excellent understanding of how to analyze and underwrite a commercial property...well done.
First Security Business Bank
Your commercial loan training ebooks on "how to analyze tax returns for cash flow" and "how to analyze commercial properties for financing" are both excellent educational tools for owners, borrowers and even loan officers with little commercial real estate experience to familiarize themselves with the underwriting process.
Both books are loaded with plenty of examples covering most common types of borrowers and property types.
If everyone used these it would make the process much more efficient from start to finish.
Robert A. Fox
JP Morgan Chase Bank
Commercial Term Lending
Newport Beach, Ca.
You have created something that can finally teach an individual what a commercial/income property loan is all about.
In this market, many SFR loan officers are switching, or adding commercial loan origination to their menu. They have little or no commercial experience and cannot present a viable loan request to lenders.
Your E-Books provide an easy learning process for those that wish to be successful in the commercial loan arena.
Senior Loan Executive
San Diego, Ca.
"How To Analyze Commercial Properties For Financing" is a viable reference tool for every loan consultant. It clearly and succinctly describes the initial loan process in both a narrative and spreadsheet format across several product types.
Thank you Kurt, you should be commended for sharing your years of experience and expertise with others in the industry.
Senior Loan Officer
Bank of Internet USA
Newport Beach, Ca.
Price vs Value?
Your ebooks on tax return analysis and commercial property analysis are a rare find in this business.
When I started my commercial lending career, there were no educational materials like these that you could train from.
Mortgage brokers new to the business and veterans alike will gain valuable information on how to pre-qualify both borrower and property for a successful loan transaction.
You have made this an incredibly easy process...great work!
SBA Loan Consultant
formerly with City National Bank
and Temecula Valley Bank
Woodland Hills, Ca.
I honestly can't place value on these commercial loan training ebooks. The market could easily command 4 to 5 times more than the price of these books.
But I will tell you this...
I've seen commercial loan training books, videos and CD's that really don't teach you what you need to know to properly work through a loan.
The one thing I can assure you of though, is... "If you've never done commercial loan pre-qualification like this, then it will be a wake-up call for you...because this is how it is done!"
- Ebook; "How to analyze tax returns for cash flow"
- Bonus Ebook; "How to analyze commercial properties for financing"
- Tax return cash flow templates
- Commercial property cash flow templates
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