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Commercial Real Estate Glossary

Content tagged with: Commercial Mortgage Broker

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Apr 7, 2019

BPS: Basis Points In Commercial Mortgages

Basis points are used to measure many financial instruments, including the fees, spreads and rates in commercial real estate finance.

Apr 4, 2019

Cash on Cash Returns For Commercial Real Estate Investments

A cash on cash return calculation determines the amount of annual income an investor earns on a piece of real estate when compared to the amount of cash invested.

Mar 31, 2019

Balloon Payments in Commercial Real Estate

Balloon mortgages are two-step financial products that see a borrower make installment-like payments for a certain number of periods before a much larger final payment becomes due to pay off the remainder of the loan. This last payment is called a balloon payment because of its large size compared to the smaller incremental payments.

Mar 30, 2019

Understanding Replacement Reserves

Replacement reserves is a budget line item used by commercial property underwriters to address periodic maintenance on systems that wear out faster than the building itself.

Mar 30, 2019

DSCR: Debt Service Coverage Ratio

Debt service coverage ratio or DSCR, is a comparison between net operating income and debt service on an annual basis and is generally one of the most important considerations when a commercial mortgage broker, lender or bank is underwriting a loan.

Sep 21, 2017

Lockouts in Commercial Real Estate

A lockout is a restriction within the commercial real estate loan to prevent the prepayment of the loan. If the loan is paid early, then the lender will not benefit from the anticipated yield of the loan.

Aug 20, 2017

FHLB: Federal Home Loan Banks in Commercial Real Estate

An FHLB (sometimes referred to as an FHLBank) or Federal Home Loan Bank is a region based bank that is part of a federally backed group of banks who provide housing finance and community investment loans. There are 11 FHLBs in total that provide reliable liquidity to financial institutions that are members of the program in order to support community investment and housing finance in the country.

Jun 26, 2017

Defining Yield Maintenance In Commercial Mortgages

Yield maintenance is a prepayment penalty on an existing commercial mortgage. It acts as a guarantee for the commercial property lender who made the original commercial mortgage, anticipating a set return over the full term of the loan. Unlike other prepayment penalties, yield maintenance covers the entire cost of the original lending agreement, compensating the lender fully for the prepayment of the borrowed funds.

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