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Q: Loan question ! ( Answered,   4 Comments )
Question  
Subject: Loan question !
Category: Business and Money > Finance
Asked by: shoaib-ga
List Price: $5.00
Posted: 11 Aug 2005 05:22 PDT
Expires: 10 Sep 2005 05:22 PDT
Question ID: 554410
I want to mention that if the  Funding source  provides  80%
loan-to-value(LTV)  for real estate project and the remaining  20%
will  be shown as equity of the borrower  in the appraised value of
the property  so therefore I want to know that what is the "meaning"
of that mentioned sentence ??

Request for Question Clarification by denco-ga on 11 Aug 2005 12:29 PDT
Howdy Shoaib,

Myoarin's comment below pretty much sums up the meaning of your statement.

Did you want me to do anything else with this question?  Thanks!

Looking Forward, denco-ga - Google Answers Researcher

Clarification of Question by shoaib-ga on 12 Aug 2005 07:28 PDT
Denco researcher I have changed my above mentioned question so
therefore I now want to know that following  
http://www.angeldeals.com/  organization can provide international 
"strategic  financing for mortgage loan and  Equity/Collateral 
finance" for any real estate project ?? Denco researcher please note
that I have increased the price of this question to US$ 5. Thanks for
that help from Shoaib.
Answer  
Subject: Re: Loan question !
Answered By: denco-ga on 13 Aug 2005 19:21 PDT
 
Howdy Shoaib,

In an extensive look at the AngelDeals.com web site I did not find
anything that even came close to your needs.
http://www.angeldeals.com/

For instance, a search under the "Investment Banking and Broker Dealer
Firms" section yields Raymond James & Associates.
http://www.rjcapitalmarkets.com/

"We provide the full spectrum of investment banking and capital markets
services, using an industry-focused, knowledge-driven approach, backed
by our renowned equity research team."

The following is from their real estate page.
http://www.rjcapitalmarkets.com/industry_1300_main.asp?indid=78

"The Real Estate group focuses on Real Estate Investment Trusts (REITs)
of all kinds, plus selected companies in the Housing and Lodging sectors."

Not even close to being a match for you.

The AngelDeals.com "Opinions/Questions" area is not a good sign.
http://www.angeldeals.com/help/

There are only 4 posts for 2005, two of those are spam, and one is a
question for the people who run the web site, posted on July 26th, which
still has no answer.

I could go on, but it would be to no real purpose.  Again, what you are
looking for does not exist on this web site.

If you need any clarificiation, please feel free to ask.


Search strategy:

Search the web site in question as outlined above.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 14 Aug 2005 03:01 PDT
Denco researcher please note that according to my opinion your  answer
is not  totally  correct. Denco researcher please note that   angel 
investors  are   ?private  investors?  and  private  investors   can
provide loan  for any purpose  and  because private  investors  does
not  necessarily   provide institutional loans  and they  also 
provide  non-institutional  non-conforming  loans   because they are
private  lenders  and  private  lenders  can  also  provide 
loans/finance   for   those  projects  in  which  ?high  risk?   is 
involved   and  commercial  banks  or any  other institutional 
financial  organization  does  not  come  forward  and  provide 
non-institutional   non-conforming  loans   and  also  those 
financial  organizations   does  not  provide  loan/finance  for those
 projects  in  which   ?high  risk?   is  involved  for  example 
start-up  businesses  involve  high risk  and  therefore  in these 
situations  ?only?   private  investors  come  forward  and   provide 
 loan/finance  for  any  real  estate  project  but  please note that 
private  investors  also take  considerable  amount  of  Equity  or 
share   in the project  depending  in the  complexity  or   risk 
involved  in the real  estate project.   Denco  researcher  please go
to the following  website  address  in which  general  information 
about  angel  private  investors  has  been provided :

http://www.entrepreneur.com/article/0,4621,277472,00.html

Denco  researcher  you will notice   in the above mentioned  website 
address  it is  written that  angel  private  investors   provide 
loans/finance  for those projects  in which commercial  banks or any
other financial  institutions  are not wiling to provide loans because
of  ?little  or  no  assets?  of the borrower  and  in which  also 
?high  risk?  is involved  for example  those  start-up  business 
ventures  in which  borrower has   little  or  no  assets   and  in  
those   businesses in which   there  is  ?no  customer  base  or 
sales  track  record?   and therefore in these  situations  ?only?   
private  investors  or  angel  private  investors    come  forward 
and   provide   loan/finance  for  any  real  estate  project 
regardless  of the  magnitude of complexity   or  risk involved in the
 real estate project   but  please note that  private  investors  also
take  considerable  amount  of  Equity  or  share   in the project 
depending  in the complexity  or   risk  involved  in the real  estate
project  and in the end of above mentioned website it is also written
that  "but for the entrepreneur willing to give up some equity and
perhaps share some decision-making, angel terms can provide an
?excellent funding source?  for new venture development".

Denco  researcher  please also go to the following website address of 
Miami  global capital investments  organization  OR   www.miami.cc 
and  please  note that this  international  financial  organization 
also  works  with  its  ?private  investors?  and therefore  this 
organization   specializes  in  the  ?non-institutional  
non-conforming  loans?  and  this organization has the expertise to
underwrite  even the most difficult  non-institutional  
non-conforming  loans  and  Denco researcher please note that  in  its
 following   webpage  address  it is written that  ?all  closing 
costs  OR  soft  costs  can be included in the loan amount  without 
personal  guarantees as indicated in its following webpage  address :

http://www.miami.cc/loanprograms.htm

The following  key information has been provided in that webpage  address :

Key Benefits of our international loan programs:
·	International loans. Please e-mail us first, for loans out of The
Americas boundaries.
·	Low interest rate based on the Prime Rate. 
·	Closing costs can be included in the loan amount in some cases. 
·	Up to 90% of land, all soft and hard costs of the project can be
financed in some cases
·	Non-recourse loans 
·	Refinance your high interest rate loan 
·	No prepayment penalties. 
·	Click here for the property types that can be financed 

and  this Miami  global  capital investment  organization  also  does
not  charges any upfront  fees from its borrowers for arranging above
mentioned loan/finance but please note that international organization
only provides upto 90% loan-to-value loan and does not provides  100%
loan-to-value loans for any real estate project.

So therefore Denco researcher after reading the above  information 
please provide to me  ?clarification?  of my above mentioned 
statement  and many thanks for that help from Shoaib.

Clarification of Answer by denco-ga on 14 Aug 2005 10:08 PDT
Howdy Shoaib,

In the context of your question, I was absolutely correct in that the
site in question does not provide any resources for you.

If you search the "Angel  Investing  Groups" area for real estate,
there is only one result, Tri-State Private Investors Network.
http://www.angelinvestorfunding.com/

Unfortunately, their regional preferences are New Jersey, New York and
Pennsylvania, none of which qualify for "international."

In fact, if you look at the entire list under "Angel Investing Groups,"
you will note that none of them meet the "international" requirement
of yours.

Even though the term "angel investor" does indeed traditionally mean
an investor that does take on high risk or complex deals, it does not
mean there are very many, and none on the web site in question, that
will take on an extremely high risk proposition.

You asked if the "AngelDeals organization can provide international
strategic  financing for mortgage loan and Equity/Collateral finance
for any real estate project" and, again, I could find no resource on
that web site that could provide such financing.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 15 Aug 2005 07:47 PDT
Denco researcher thanks for your above mentioned help but Denco
researcher you had not provided response for  above mentioned Miami
global capital investments organization according to the information I
have provided above because that international funding organization
also works with  'private  investors'  so therefore please provide the
response of that international funding organization as mentioned above
? Thanks for that help from Shoaib.

Request for Answer Clarification by shoaib-ga on 15 Aug 2005 10:44 PDT
Denco researcher please also take a look at the following website
address and you will notice that it has been written in it that angel
investors provide "informal capital and angel investors provide
informal investment and angel investors are informal investors"  and
please note that informal       means; "not according to the
recognized forms or rules" so therefore it means that "capital and
investment" of  angel investors  does not contain any recognized forms
or rules and  are therefore  totally free and because angel investors
are 'private investors'  and therefore it means that  angel investors
can  also
provide  non-institutional  non-conforming  loans and  that website is
 indicated below :

http://www.smallbusinessnotes.com/financing/angelinvestors.html

So therefore Denco researcher 
please provide to me  ?clarification?  of my above mentioned 
statement  and many thanks for that help from Shoaib.

Clarification of Answer by denco-ga on 15 Aug 2005 10:46 PDT
Howdy Shoaib,

Please feel free to post a separate question for information on the
Miami Capital Investments web site.

http://www.miami.cc/

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 15 Aug 2005 10:49 PDT
so  therefore it means that  angel investors
can  also provide  "non-institutional  non-conforming  loans  and
Equity finance" for any real estate project.

Clarification of Answer by denco-ga on 15 Aug 2005 11:02 PDT
Howdy Shoaib,

Please notice the following on the same page, at "Small Business
Notes - Angel Investors."
http://www.smallbusinessnotes.com/financing/angelinvestors.html

"The "average" private investor ... invests $37,000 per venture.
...
What Does an Angel Investor Expect?
...
... financial plan (tax returns, profit and loss forecasts, pro
forma cash flow analysis and balance sheets, 5-year projections)
..."

So, no, it does not look, from the web page you provided, that
angel investors will provide "non-conforming loans," otherwise
they would not be looking at the financials in such depth.

The bottom line is not the many definitions of angel investors,
but rather whether angel investors are a good match for the
ventures you are usually discussing.  My research, and personal
experience, indicates that is not the case.

Looking Forward, denco-ga - Google Answers Researcher

Request for Answer Clarification by shoaib-ga on 17 Aug 2005 11:03 PDT
Denco researcher I have posted another  Question ID: 556835  and in
that question ID I need simple loan information about another
worldwide loan consultants company and I am sure that you will be able
to provide its answer and many thanks for that help from Shoaib.

Clarification of Answer by denco-ga on 17 Aug 2005 12:31 PDT
Howdy Shoaib,

I have answered question 556835.

http://answers.google.com/answers/threadview?id=556835

Looking Forward, denco-ga - Google Answers Researcher
Comments  
Subject: Re: Loan question !
From: elids-ga on 11 Aug 2005 08:06 PDT
 
You would probably benefit from a program like Family Lawyer, you can
get a copy of the software for $4.00 a tad more than this question
will cost you.
Check it out at 
http://www.amazon.com/exec/obidos/tg/detail/-/B0000C7HT3/103-5281881-0564648?v=glance
Subject: Re: Loan question !
From: myoarin-ga on 11 Aug 2005 08:07 PDT
 
Shoaib,
Quite honestly, I would have thought that you understood this, since
it is contrary to what you have been seeking with your questions.
It means that if the real estate is valued at 100,000  - that is the
appraised value accepted by the lender, the price could be higher - 
the borrower (you) must provided 20% or 20,000 and the lender will
provide 80% or 80,000.
IF the actual price is higher than this appraised value, you will have
to provide the excess.
If this sounds unfair to you, that is unfortunate, but this is the way
real estate financing is usually done.
Myoarin
Subject: Re: Loan question !
From: myoarin-ga on 11 Aug 2005 13:43 PDT
 
Shoaib,
If you would feel more confident with an answer posted by Denco-ga, I
am absolutely sure that he knows and knew the correct answer without
my comment.
Denco may feel entirely free to post an answer with no complaint from me.
I thought I would try to save him the effort considering all the time
he (?) has spent with you.
Myoarin
Subject: Re: Loan question !
From: myoarin-ga on 15 Aug 2005 08:34 PDT
 
Shoaib,
Denco-ga is being as helpful and patient as one can be.  An inquiry
about a new website deserves a new question.
ONe basic problem is that this type of website will say that it  - or
its investors -  CAN do many things.  They want to see all potential
questions.
But that does not mean that they actually WANT to or WILL do "anything".
Also, as you mention, the investors are interested in taking an equity
participation in the project.  That is what venture capital investment
is about, financing young companies that will hopefully grow, making
the equity participation worth a great deal more when they sell it,
and thus providing a profit high enough to justify the original risk. 
Your questions seem to be related to real estate financing that does
not fit in this category.
Myoarin

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