Our rates are low, our application is quick and easy! We can get you clear to close in as little as 10 days!
NMLS ID # NMLS # 228246
William Rapp, based in Houston, TX, US, is currently a Capital Advisor at Medallion Funds, bringing experience from previous roles at eXp Commercial, NEXA Mortgage, Viking Enterprise LLC and Sun Realty - Houston. William Rapp holds a 1997 - 2001 BBA in Finance @ Texas A&M University. With a robust skill set that includes REO, Sellers, SFR, FHA financing, Reverse Mortgages and more, William Rapp contributes valuable insights to the industry.
Great experience purchasing our first home! Bill was easy to reach and always able to answer any questions or concerns.
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Decoding Lending Trends Across Property Types!
In the ever-evolving landscape of real estate financing, understanding the dynamics of lending sources across various property types is paramount. In this article, we delve into the insights provided by a recent capital trends report, shedding light on the most active financing sources in different sectors. When it comes to financing real estate ventures, the choice of lender can significantly impact the outcome.
Regional Banks Dominate:
Despite tightened underwriting standards, regional and local banks emerged as key players in the lending arena, particularly for office spaces, industrial properties, retail outlets, hotels, and senior housing. Their involvement accounted for a significant portion of financing across these sectors, underscoring their continued relevance in the market.
Government Agencies on the Rise:
One of the most notable trends observed was the marked increase in government agency funding, which surged from 19% to 26% in 2023. This shift, while significant, was aligned with the average observed between 2015 and 2019. Notably, government agencies played a substantial role in financing apartments and senior housing, capturing 58% and 29% of the respective markets.
Diverse Landscape of Lenders:
The lending landscape also saw the active participation of national banks, international banks, insurance companies, CMBS (Commercial Mortgage-Backed Securities), and investor-driven financing. While each had a presence across various property types, their dominance varied, with no single lender emerging as the primary choice in any specific category.
Loan Averages and LTV Values:
Beyond identifying lending sources, it's crucial to examine the financial parameters associated with these transactions. Government agencies, for instance, offered average loan sizes of $18.9 million, with an average Loan-to-Value (LTV) ratio of 60.5%. Conversely, regional and local banks, despite their prominence, offered smaller average loans of $6.6 million, with higher LTVs of 66.4%.
Conclusion:
In navigating the complex terrain of real estate financing, understanding the preferences and trends in lending is indispensable. MSCI's capital trends report provides valuable insights into the diverse array of lending sources and their respective roles across different property types. By staying abreast of these developments, stakeholders can make informed decisions that drive success in the dynamic world of real estate investment.
Should you need an experienced commercial real estate broker, please feel free to contact me at 281-222-0433.
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© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory
Buying your first home can be both exciting and nerve-wracking at the same time. With so many things to consider and....
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Copyright ©2021 | Mortgage Viking Team
Licensed to Do Business | NMLS # 228246
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2021 | Medallion Funds
Corporate | NMLS ID NMLS # 1825831
Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014
Corporate NMLS NMLS # 1825831 | Company Website: https://medallionfunds.com/bill-rapp/
Copyright ©2021 | Mortgage Viking Team Licensed to Do Business | NMLS # 228246
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply
Corporate | NMLS ID NMLS # 1825831
Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014 https://medallionfunds.com/bill-rapp/
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