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Case Study – Spec RE Construction Loan (Prefab) (Redondo Beach)

OPPORTUNITY: Request for a residential construction loan to construct a spec prefab home in Redondo Beach.

BORROWER: Developer

PROFESSION: Residential Construction Development NET WORTH: Affluent

SOLUTION: Construction Loan

LOAN AMOUNT: $1,237,500

VALUE: $1,650,000 (‘subject to completion’) LTC: 72% LTV: 75%

DTI or GDSCR: N/A

OPEN

If you have a similar case, or question, please e-mail me on craig.isaac@bancofcal.com

“You will get all you want in life, if you help other people get what they want”
– Zig Ziglar

Case Study – Commercial Real Estate Purchase

November 5, 2013 Leave a comment

helocOPPORTUNITY: Purchase and development of a 13,901 sq ft Walmart shadowed anchored retail space in AZ.

PROFESSION: CRE  NET WORTH: $39MM

SOLUTION: Libor based variable rate 3/25 loan with an Interest Rate Swap

Value: $3,550,000

Loan: $2,485,000

DSCR: 1.62 (1.41) LTV: 70% DEBT YIELD: 10.4% (9.1%)

OPPORTUNITY (upon purchase): Construction financing for pad

Loan: $900,000

SOLUTION: Construction Loan

OPEN

If you have a similar case, or question, please e-mail me on ceisaac@ymail.com

Consult with me on Maven

Business Owner Advisory Services

November 1, 2013 Leave a comment

As a member of the Business Owner Advisory Group, I seek to bridge the gap between business and personal goals through the development of a comprehensive plan.

BUSINESS GOALS

  • Growing Revenue
  • Retain Key Employees
  • Risk Mitigation
  • Financial Concerns
BUSINESS OWNER PERSONAL GOALS

  • Income and Cash Flow
  • Growing Wealth
  • Risk Mitigation
  • Wealth Transfer/Charitable

The scope of our business owner advisory services include comprehensive integrated solutions to meet business and personal goals.

Business owner planning substantially expands the scope of more traditional ‘Financial Planning’.

  • Tax Strategy Planning
  • Wealth Transfer Planning
  • Charitable Planning
  • Business Planning
  • Wealth Planning
  • Family Business Continuation
  • Addressing Family Issues
  • Business Succession Planning