Understanding commercial real estate lending is extremely complex and involves discipline, years of experience and strong underwriting fundamentals.
Even the most experienced real estate developers who borrow tens of millions of dollars every year have a difficult time in structuring and sourcing the right commercial mortgage for their projects.
To complicate things further, lending institutions are constantly changing their appetites for commercial mortgage products for various reasons including portfolio alignments, outlook on certain asset classes and yield requirements.For more insight into the world of commercial lending, download a copy of our December 2010 issue.
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Commercial lending in today's credit environment is like a science. Any prudent commercial lender needs to carefully assess an infinite number of variables and factors that play into the decision-making process of committing to a commercial mortgage investment. The makeup of a multitude of factors that are required in detailed credit analysis including tenancy, location, borrower profile and current market environment (to name a few), all of which need to be carefully considered before any fund manager is able to commit to a loan.