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<title>craighigdon's Articles</title>
<link>http://www.articlealley.com</link>
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<webMaster>editorial@articlealley.com</webMaster>
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<title>Where Have all the Commercial Lenders Gone?</title>
<description>Do you remember that song from the 1960’s that went something like:  “Where have all the flowers gone, long time passing?”  Oh … you don’t?  Hmm, maybe I really AM old!  Well, I would update that song for the current decade to something like thi...</description>
<link>http://www.articlealley.com/article_934539_33.html</link>
<pubDate>13th June 2009</pubDate>
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<title>Where Have all the Commercial Lenders Gone?</title>
<description>Do you remember that song from the 1960’s that went something like:  “Where have all the flowers gone, long time passing?”  Oh … you don’t?  Hmm, maybe I really AM old!  Well, I would update that song for the current decade to something like thi...</description>
<link>http://www.articlealley.com/article_934536_33.html</link>
<pubDate>13th June 2009</pubDate>
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<title>Trading Up Using the 1031 Exchange</title>
<description>In spite of decreasing real estate values across the nation, real estate investors continue to come up with innovative ways to make their investment turn out profitably.

 A powerful method for building real estate holdings is the use of 1031 Exchanges,...</description>
<link>http://www.articlealley.com/article_934460_33.html</link>
<pubDate>13th June 2009</pubDate>
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<title>Survival Tips for Commercial Retail Properties</title>
<description>While the media at large focuses on doom and gloom, we will turn our commercial eyes towards what we can do in the middle of all this chaos to survive and emerge stronger.  These tips focus on retail properties but apply in most cases to all types of comm...</description>
<link>http://www.articlealley.com/article_934416_33.html</link>
<pubDate>13th June 2009</pubDate>
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<title>Survival Tips for Commercial Retail Properties</title>
<description>While the media at large focuses on doom and gloom, we will turn our commercial eyes towards what we can do in the middle of all this chaos to survive and emerge stronger.  These tips focus on retail properties but apply in most cases to all types of comm...</description>
<link>http://www.articlealley.com/article_934410_33.html</link>
<pubDate>13th June 2009</pubDate>
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<title>Segregate Costs for Better Cash Flow</title>
<description>Utilizing Cost Segregation to Enhance Investment Real Estate Cash Flow

Everyone knows that a dollar today is more valuable than one received in ten years.  Tweed Financial Services, Inc. suggests that a Cost Segregation study, which reviews the depreci...</description>
<link>http://www.articlealley.com/article_934262_33.html</link>
<pubDate>13th June 2009</pubDate>
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<title>Picking the Right Commercial Property Lender</title>
<description>What a Super Weekend for sports!  No … NOT the Super Bowl (although I’ll get to that), I mean the Australian Open.  When Federer plays Nadal in a Grand Slam final, you begin to lose words to describe what you see.  Even the announcers were speechless,...</description>
<link>http://www.articlealley.com/article_933649_33.html</link>
<pubDate>12th June 2009</pubDate>
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<title>Multifamily Properties: Strategies for Increasing Profits</title>
<description>Everyone is well aware of the cyclical nature of commercial real estate, as well as the potential for significant profits to be gleaned by purchasing assets before they rise in price. In an article entitled “10 Strategies for Apartment Profits in 2009 a...</description>
<link>http://www.articlealley.com/article_932758_33.html</link>
<pubDate>12th June 2009</pubDate>
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<title>Multifamily Properties: Strategies for Increasing Profits</title>
<description>Everyone is well aware of the cyclical nature of commercial real estate, as well as the potential for significant profits to be gleaned by purchasing assets before they rise in price. In an article entitled “10 Strategies for Apartment Profits in 2009 a...</description>
<link>http://www.articlealley.com/article_932752_33.html</link>
<pubDate>12th June 2009</pubDate>
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<title>Is a SBA 7(a) Loan Still a Wise Choice?</title>
<description>Last years commercial mortgage slowdown was reflected in the statistics for the U. S. Small Business Administration (SBA), which reported a year-over-year decline in approved loans of 29%.  This surprisingly high reduction in loan volume was also noticeab...</description>
<link>http://www.articlealley.com/article_932692_19.html</link>
<pubDate>12th June 2009</pubDate>
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<title>Individualist vs. Collectivist</title>
<description>With all of the hoopla surrounding the end of the Bush administration and the beginning of the Obama, have you noticed the stock market?  It has been quietly sinking as the reality of the state of the economy has been sinking in.  Here is some of the evid...</description>
<link>http://www.articlealley.com/article_932642_33.html</link>
<pubDate>12th June 2009</pubDate>
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<title>Individualist vs. Collectivist</title>
<description>With all of the hoopla surrounding the end of the Bush administration and the beginning of the Obama, have you noticed the stock market?  It has been quietly sinking as the reality of the state of the economy has been sinking in.  Here is some of the evid...</description>
<link>http://www.articlealley.com/article_932640_33.html</link>
<pubDate>12th June 2009</pubDate>
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<title>Going Green: What is LEEDs?</title>
<description>An Overview of LEED Compliance

Leadership in Energy and Environmental Design (LEED) is an internationally recognized certification system developed by the U.S. Green Building Council (USGBC) to designate buildings which are notable for stewardship of o...</description>
<link>http://www.articlealley.com/article_932593_19.html</link>
<pubDate>12th June 2009</pubDate>
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<title>Going Green: Commercial Property Owners Can Cut Expenses with New Solar Film</title>
<description>Coupled with the economic climate and its recent effects on Commercial Real Estate, going green is just one of the choices available in an effort to cut costs in building and maintaining office buildings, retail stores, manufacturing facilities and malls....</description>
<link>http://www.articlealley.com/article_930817_33.html</link>
<pubDate>12th June 2009</pubDate>
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<title>Commercial Real Investment Strategy: Specialize</title>
<description>Folks, this weeks comments may be a bit too revealing for some of you.  Im going to talk my inner self &amp; and I DO mean INNER.  But before I go there, I should mention that if you use Twitter, there a really NEAT freebie that you can use to explode your so...</description>
<link>http://www.articlealley.com/article_930381_33.html</link>
<pubDate>12th June 2009</pubDate>
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<title>Commercial Real Estate’s Status, $10MM is the New $100M, Part 2</title>
<description>In continuing our discussion from Commercial Real Estate’s Status, $10MM is the New $100M, Part 1:
Regarding Institutional Investors
•	Most of them were out of the market for the past 3-4 years because there was an excessive amount of capital in pla...</description>
<link>http://www.articlealley.com/article_928892_33.html</link>
<pubDate>11th June 2009</pubDate>
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<title>Commercial Real Estate’s Status: $10MM is the New $100M, Part 1</title>
<description>Like most other industries it is clear that Commercial Real Estate is in the midst of an economic downturn the likes of which we have never seen before.  There was a recent Net Lease Conference held by Real Share which focused on analyzing where the marke...</description>
<link>http://www.articlealley.com/article_928780_33.html</link>
<pubDate>11th June 2009</pubDate>
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<title>Commercial Real Estate Lives!</title>
<description>I have just completed an extended vacation that took me through 6 states.  Along the way I took some time to survey the status of commercial real estate in both existing and property under construction.

I’m happy to report that contrary to what the ...</description>
<link>http://www.articlealley.com/article_927161_33.html</link>
<pubDate>11th June 2009</pubDate>
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<title>Commercial Real Estate Financing: Who Controls the Third Party Reports?</title>
<description>Well, this weekend marked the official end of the 2008 NFL season with the NFC defeating the AFC in the Pro Bowl in Hawaii.  NOW what am I going to do on Sundays???  I guess I’ll have to find some useful things to occupy my time … like tennis, martial...</description>
<link>http://www.articlealley.com/article_927089_33.html</link>
<pubDate>11th June 2009</pubDate>
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<title>Commercial Property Analysis: Use Real Numbers</title>
<description>Are any of you catching the Australian Open among all of the Superbowl Hype and College Basketball Overpromotion?  There was a great match between Roger Federer and Tomas Berdych this weekend.  Berdych jumped out to a 2 set lead with blazing strokes and l...</description>
<link>http://www.articlealley.com/article_926959_33.html</link>
<pubDate>11th June 2009</pubDate>
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<title>Bailout Survival Strategies and Commercial Real Estate</title>
<description>I have a couple of videos to share with you in this post that should get you thinking about your near-term future.  First though, I want to you get a “visual” of what $1 Trillion Dollars looks like.  For those of you who are numerically inclined that ...</description>
<link>http://www.articlealley.com/article_926155_33.html</link>
<pubDate>11th June 2009</pubDate>
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<title>A Picture is Worth $1,000,000 … or more</title>
<description>So let’s talk about pictures and commercial loans.  One of the key items overlooked in most commercial financing requests is pictures.  You would think this would be obvious but I think 70% of the initial requests that we receive come without any kind o...</description>
<link>http://www.articlealley.com/article_926045_33.html</link>
<pubDate>11th June 2009</pubDate>
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<title>Create Personal Wealth Beyond Your Small Business, Part 4</title>
<description>Amortization: Your Enemy; the Banker’s Friend

I have to digress a bit to property cover the next aspect of Small Business Wealth Creation.  I want to show you the detrimental effects of loan amortization, how lenders benefit from it, and give you a s...</description>
<link>http://www.articlealley.com/article_529140_33.html</link>
<pubDate>06th May 2008</pubDate>
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<title>Create Personal Wealth Beyond Your Small Business, Part 3</title>
<description>The Small Business Real Estate Wealth Building Strategy

Thus far I have been talking about the advantageous financing that a small business person can access to acquire real estate for business use.  Before doing so, you have to be sure that it makes s...</description>
<link>http://www.articlealley.com/article_459755_33.html</link>
<pubDate>24th January 2008</pubDate>
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<title>Create Personal Wealth Beyond Your Small Business, Part 2</title>
<description>As a small business owner contemplates the shift from leasing to owning, and thereby takes the initial steps to build wealth outside of his or her business, the question of how much building can be purchased comes up.  In the previous article on this subj...</description>
<link>http://www.articlealley.com/article_459672_33.html</link>
<pubDate>24th January 2008</pubDate>
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<title>Create Personal Wealth Beyond Your Small Business, Part 1</title>
<description>You know the story:  Small time entrepreneur starts a business in his garage and almost overnight takes the company public to dominate an industry.  O.K. so this is the exception and not the rule.  Most small business owners probably have different motiva...</description>
<link>http://www.articlealley.com/article_458365_33.html</link>
<pubDate>23rd January 2008</pubDate>
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<title>Commercial Land: The Asset That Lenders Forgot</title>
<description>Last week I discussed the financing of the purchase of a residential lot for development with a woman who, with her husband, wanted to build a custom home.  As always happens when discussing financing, the conversation turned to interest rates and loan st...</description>
<link>http://www.articlealley.com/article_155802_33.html</link>
<pubDate>06th May 2007</pubDate>
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<title>Real Estate Investing’s Inner Game</title>
<description>THE INNER GAME OF COMMERCIAL REAL ESTATE

Every once in a while I get an internal reminder that I am a work in progress.  In this instance it was not one of those “hit you over the head with an 8 pound sledge hammer” reminders that you get when you ...</description>
<link>http://www.articlealley.com/article_149077_33.html</link>
<pubDate>18th April 2007</pubDate>
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<title>Commercial Real Estate Credit</title>
<description>CREDIT AND ITS IMPACT ON INVESTMENT LOANS 

The status of your credit plays a major role in helping you to obtain commercial real estate financing.  It helps to determine how much financing for which you will qualify and what kind of an interest rate yo...</description>
<link>http://www.articlealley.com/article_146725_33.html</link>
<pubDate>11th April 2007</pubDate>
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<title>Commercial Real Estate Investment Decisions</title>
<description>WEIGH YOUR RISKS CAREFULLY

When you decide to embark on a commercial real estate investment program, how do you get your start?  We know that there is no such thing as 100% financing for commercial property, so where do you get your initial capital for...</description>
<link>http://www.articlealley.com/article_143999_33.html</link>
<pubDate>04th April 2007</pubDate>
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<title>Commercial Real Estate Mentors</title>
<description>Coaching You to the Next Level

I want to take a bit of a side-trip from my usual hard-hitting commercial mortgage loan and investment property advice.  I had the opportunity to spend a few days at the Pacific Life Open tennis tournament in Indian Wells...</description>
<link>http://www.articlealley.com/article_140113_33.html</link>
<pubDate>27th March 2007</pubDate>
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<title>Commercial Real Estate Loan Myth Debunked!</title>
<description>Setting The Record Straight 

There is a metaphorical place in any business when the seeker of inside secrets reaches that signpost that says something like:  “Beewair … Theyre bee Dragyns ahed.”  Again, keep in mind I am being highly metaphorical...</description>
<link>http://www.articlealley.com/article_135586_33.html</link>
<pubDate>07th March 2007</pubDate>
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<title>What Is The Best Commercial Real Estate Loan?</title>
<description>This question came from Kiho Kim in Anaheim, California and, surprisingly, doesn’t have a straightforward answer.  When someone asks me that question, I know that they’re probably focused on one thing:  The loan with the lowest interest rate.  Unfortu...</description>
<link>http://www.articlealley.com/article_133221_33.html</link>
<pubDate>01st March 2007</pubDate>
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<title>Effective Real Estate Strategies for Slow Markets</title>
<description>Speeding Commercial Real Estate Sales in Slow Markets 

Effectively building commercial real estate wealth requires the ability to spot a great bargain and the ability to sell that property well, no matter what the state of the market.  The real estate ...</description>
<link>http://www.articlealley.com/article_131856_33.html</link>
<pubDate>22nd February 2007</pubDate>
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<title>Insurance and Commercial Real Estate</title>
<description>One of the least considered, but perhaps most important aspects of successful real estate investment is insurance against losses.  Even though the market for residential real estate has begun to cool, commercial real estate investment opportunities abound...</description>
<link>http://www.articlealley.com/article_129809_33.html</link>
<pubDate>17th February 2007</pubDate>
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<title>How to Purchase Underperforming Properties with Construction Loans</title>
<description>A SECRET STRATEGY TO TURN LOSERS INTO WINNERS

I received a question from a Realtor last week that will give you insight into a purchase strategy that you can use with a commercial property whose current cash flow can’t support a loan large enough to ...</description>
<link>http://www.articlealley.com/article_126997_19.html</link>
<pubDate>06th February 2007</pubDate>
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<title>Commercial Real Estate Syndication: Controlling the Property</title>
<description>Getting Control of the Property

We’ve been discussing the process of assembling groups of investors for the purpose of acquiring income producing commercial real estate.  As we move to getting the property into escrow so that you can verify its suita...</description>
<link>http://www.articlealley.com/article_124733_33.html</link>
<pubDate>30th January 2007</pubDate>
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<title>Apartment Loans: Common Multifamily Misconceptions</title>
<description>I had the opportunity this past week to answer a number of questions about apartments.  I find a great deal of misinformation out there concerning the financing of this excellent type of income producing investment.  Before going into some common misconce...</description>
<link>http://www.articlealley.com/article_122943_33.html</link>
<pubDate>24th January 2007</pubDate>
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<title>Commercial Real Estate Syndication: Property Selection and Purchase, Part 2</title>
<description>We’ve been discussing the process of assembling groups of investors for the purpose of acquiring income producing commercial real estate.  The first part of this article can be found at www.InvesmentPropertyInsider.com/?p=97.  We’ll assume for the pur...</description>
<link>http://www.articlealley.com/article_122508_33.html</link>
<pubDate>23rd January 2007</pubDate>
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<title>Commercial Real Estate Syndication: Property Selection and Purchase, Part 1</title>
<description>Let’s assume that you’ve decided to start assembling groups of investors to buy investment real estate.  If you followed my Roadmap of a successful syndication in my previous articles (Part 1 and Part 2), then you know that the first step is to resear...</description>
<link>http://www.articlealley.com/article_121373_33.html</link>
<pubDate>18th January 2007</pubDate>
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<title>Commercial Real Estate: Outlook at the Power Breakfast</title>
<description>A GOOD OUTLOOK FOR COMMERCIAL REAL ESTATE IN 2007 

I had the opportunity to sit in at the International Council of Shopping Centers (ICSC) annual “Power Breakfast” that featured some high powered institutional investors as panelists.  They included...</description>
<link>http://www.articlealley.com/article_120466_33.html</link>
<pubDate>16th January 2007</pubDate>
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<title>Construction Loans: Questions and Answers</title>
<description>It would seem that construction activity is still fairly high based upon the number of calls that I get from people about construction loans.  There are a lot of calls from people just getting started, as well as from a number of seasoned “construction ...</description>
<link>http://www.articlealley.com/article_118161_19.html</link>
<pubDate>09th January 2007</pubDate>
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<title>A Roadmap for Commercial Real Estate Syndications, Part 2</title>
<description>HOW TO DO YOUR OWN SYNDICATIONS, Part 2

Last week I covered the first ten steps to creating your own investment groups for commercial real estate acquisitions.  I was able to take the process right up to the acquisition of the property and I’ll cover...</description>
<link>http://www.articlealley.com/article_118160_33.html</link>
<pubDate>09th January 2007</pubDate>
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<title>A Roadmap for Commercial Real Estate Syndication, Part 1</title>
<description>HOW TO DO YOUR OWN SYNDICATIONS, Part 1

One of the most important requirements for purchasing commercial property is having enough down payment money, called “equity,” to complete the transaction.  A very popular method of raising these funds when ...</description>
<link>http://www.articlealley.com/article_115911_33.html</link>
<pubDate>03rd January 2007</pubDate>
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<title>Success Strategies:  Time, the Only Un-renewable Resource!</title>
<description>Time.  Tick, tick, ticking away.  This moment ... gone.  Never to return, never to be experienced again.  The next moment ... coming up and soon to pass by.

When you take a few moments to contemplate the moments, you suddenly realize that there really ...</description>
<link>http://www.articlealley.com/article_112483_15.html</link>
<pubDate>15th December 2006</pubDate>
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<title>Loan Philosophy:  The Difference Between Lenders and Investors</title>
<description>As a mortgage broker, I have the pleasure of seeing quite a number of potential loan transactions.  I used the word "potential," because not all of them work out.  Actually, there are quite a few turkeys in with the swans!

A common scenario is a refina...</description>
<link>http://www.articlealley.com/article_112482_19.html</link>
<pubDate>15th December 2006</pubDate>
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<title>Lending Changes:  Stated Income Documentation Comes to Commercial</title>
<description>For a while now I've written about the latest "change" in commercial lending:  "The Small Balance Commercial Lender."  These guys are re-writing the rules on commercial loans that are less than $3 Million.  While this might not impact your business immedi...</description>
<link>http://www.articlealley.com/article_112481_19.html</link>
<pubDate>15th December 2006</pubDate>
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<title>Financing Strategies:  Shorten Your Term with Cash Out</title>
<description>The Federal Reserve Board has been raising rates for two years now.  Bottom line, this activity has meant higher rates for the investor.  It follows a period in which America experienced the lowest rates in several decades. Therefore, it's no wonder that ...</description>
<link>http://www.articlealley.com/article_112480_19.html</link>
<pubDate>15th December 2006</pubDate>
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<title>Construction Loans:  The Myth of the “Future Appraisal”</title>
<description>One of the most common phrases I hear when dealing with a construction loan is:  "The Future Appraisal."  This is usually used in the context of making sure that the property will have sufficient value for us to get the loan needed to complete the structu...</description>
<link>http://www.articlealley.com/article_112477_19.html</link>
<pubDate>15th December 2006</pubDate>
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<title>Assessing the Commercial Real Estate Market</title>
<description>There are many important factors that effect the price of commercial real estate, but perhaps few are as important as that of the local job market.  Without a strong and growing job market, it’s nearly impossible for an area to support the retail establ...</description>
<link>http://www.articlealley.com/article_112476_33.html</link>
<pubDate>15th December 2006</pubDate>
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