BRIC, LLC. financing nationwide on apartments, mhp’s, retail, office, industrial/warehouse, ect. and most owner-user property types.  We offer up to 80% LTV on apartment purchases, 75% LTV on cash-out requests and we do have an 85% HUD option for transactions starting around $2-3M.  On commercial properties we lend up to 65% LTV with up to 90% LTV financing available on owner-occupied deals. Visit our website www.thebric.com or give us a call (877) 354-1842

Loan Size
    $250,000 - $5,000,000
1.    Owner-Occupied Properties or Investor Properties
2.    Traditional or Non-Traditional Commercial Properties
3.    Full Document, Low-Doc, and Stated Income Options
4.    Owner-Occupied Stated Income Commercial Loans to 90% LTV
5.    30 Year Amortizations
6.    3 Month, 2, 5, & 30 Year Fixed Rates
7.    90% LTV on Purchase
8.    85% LTV on Refinances
9.    Cash Out Refinances to 75%
10.    Cash Out to 40% of Loan Amount
11.    Flexible Prepayment Options
12.    20% Annual Prepay With No Penalty
13.    Low Minimum 1.25 DSCR
14.    Minimum 600 Credit Score
Visit our website www.thebric.com or give us a call (877) 354-1842

Apartment Loans From $500,000 - $5,000,000

•    15 and 30 Year Amortizations

•     3, 5, 7, 10, 15 Year Fixed Rate Terms

•     No Defeasance or Yield Maintenance

•     No Replacement Reserves

•     Monthly / Annual Leases Acceptable

•     Substitute Leases With Bank Statements

•     A, B and C Property Types Considered

•     No Balloon or Call Provisions

•     Maximum LTV 80% / 85% CLTV

•     Step Down Prepayment

•     Minimum DSC of 1.20:1

•      No Outside Legal Fees

•     60 Day Rate Lock

•     Limited Impound Requirements

•     Assumable at Lender Discretion

•         3% Seller Concession Allowed on Purchases

•         10% Seller 2nd Allowed on a Case by Case Basis

•         Mixed-Use Commercial/Residential Acceptable to 25% Commercial Use

Visit our website www.thebric.com or give us a call (877) 354-1842

Multi-Family Loan Programs
BRIC, LLC; offers a variety of loan programs customized to fit your unique needs. Our loan programs range in size from $500,000 to $10,000,000 with specific requirements and pricing based on your investment objectives. Visit our website www.thebric.com or give us a call (877) 354-1842

Private Equity for Commerical Assets & Ventures $1-30M..Seeking Commercial Real Estate Deals-Acquisitions/Refinancing, Good Entertainment Projects, Green Projects, Technology.  We partner with Institutional and High end net-worth Investors through our own fund for most of our capital resources.  We also have Domestic Capital sources for relatively liquid and guaranteed collateral nased projects.  Please provide an Executive Summary and Business Plan, Mnmgmnt Resume's, 5-10 year proforma, use of funds and Exit strategy.  Principals/Brokers.
pfg131@aol.com

Good aternoon I am Daniel I am looking for a backer in Hammond Louisana area to do rehabs and flips and etc I can fix any home up and make it look beautiful. I can find them buy them fix them sale them to, do it all for you and all you do is set back and make money on my hard work I am honest as they come and a go getter. I have bought a few homes in the past and fixed them, sold them and a few mobiles too You can call me at 985-902-7584 our 225-290-2242 Even the big gurues say have a good contrctor on your side But we can do it all for you JUST NEED A GOOD BACKER I might be able to spell worth a shit but i know how to make you money P.S I also have a good ideal on a mobile home park GREAT ROI

Why group real estate investing? History has proven again and again that the people who thrive are the ones who work together. Have you ever considered the power of working together to invest in a group?

If you haven’t, I’m going to enlighten you as to a number of reasons why you should consider investing in a group, and explain a few of the many benefits of group investing.

Often, the kinds of deals that provide the BEST dollar-for-dollar return in real estate are multi-million dollar deals…so how does the average investor get some of that money? Without shouldering the huge debt service themselves? Well, it’s often possible when you invest with a group in real estate. Just watch out for these 8 key factors before you invest with a real estate group.

Group real estate investing can maximize financial leverage.

What do I mean by this?

Think about what happens when you put ten percent down, or $30,000 cash, on a single family house and you receive a loan for ninety percent of the purchase price of $300,000…in effect you just leveraged your money TEN times to control an asset worth (if you bought right that is) MORE than TEN times the money you used to control it.

That $270,000 loan, the other ninety percent of the money used to own the property, was OPM— or “other people’s money”. Maybe you got it from a bank, or a mortgage lender, maybe even from a private lender, or even the seller of the property itself gave you that loan as seller financing that you used to finance ninety percent of the purchase price.

Doesn’t matter, because no matter where the money came from you didn’t need to have the entire purchase price to get control of the property (and enjoy the benefits of investing and real estate ownership)…did you?

Regardless, it’s nice to own a small house with a value of more than 10 times what you had to invest cash in order to get that ownership.

And for most people, they feel comfortable being on the line for that 90% of the purchase price in the form of the debt against the property. After all, it’s considered “normal” to owe on a house, and a $270,000 mortgage doesn’t even buy close to as much of a house as it did 10 years ago in many places of the country. (though it buys more than it did 10 years ago in a few areas)

Besides, they think that since real estate goes up in value over time the fact that they’re personally guaranteeing the loan of $270,000 isn’t a huge concern for many people.

But what if you could do that on steroids?

What if you could gain ownership in a $3 million property or a $30 million property?

If the purchase price percentage  numbers were the same, would you want to personally guarantee a loan for 10 times that— or $2.7 Million? What about $27 Million?

What if you could you raise a down payment for these deals (just say we’re assuming the same 10% we used earlier)?

For many people, those last two loan examples are out of their comfort zone. Especially when you think of “personally guaranteeing” the loan.

Even if they had or could raise the amount of money required to control the property, even if it was a sweet deal worth twice the purchase price and it was controlled for a cash investment just a FRACTION of the value-- that idea of being on the hook for that amount of money in financing to do the deal just wouldn’t sit well with them.

It wouldn’t matter WHAT the property was worth, or how much more than $27 Million it was worth, signing on the dotted line for $27 Million is just not something they’d be comfortable doing.

And yet many of these million dollar deals—especially as it applies to commercial real estate, such as the deals my company looks to acquire for long-term buy and hold wealth building purposes-- are the kinds of deals that provide the BEST dollar-for-dollar returns…

So how does the average investor get some of that money?

Without shouldering the huge debt service themselves?

Well, it’s often possible when you invest in a group in real estate.

For example, you can leverage the resources of other people, other investors—not just banks and mortgage companies. This can be a major plus because now it is not you alone who is responsible for the entire purchase price or perhaps, not even be on the line for the debt attached to the purchase.

Investing in a group can give you access to investments that might be so large in scale as to be out of reach for you alone.  

Many millionaire fortunes have been built by investing with groups— not only in real estate.

But let’s stick to real estate for the purposes of this article. Group real estate investing, especially, has proven over time to be very lucrative.

There’s a lot of information you need before deciding to pursue investing with a group in real estate…whether you’re looking to invest with a group that’s already investing or whether you intend to start your own investing group— in which case the scope of this article is much, much too small to adequately prepare you either legally or logistically, but will point you in the right direction.

Here are some simple tips that will guide you in your decision-making before you invest with a real estate group or begin one of your own:

1. Know the entity/business structure the investing group uses, and make sure it’s conducive to a group

2. Transparency is key- financials should be disclosed to all investors in the group

3. Your money is only as protected as it says in the legal documents

4. Determine liquidity (can investors sell out, or transfer their piece of the investment?) before investing

5. Be aware of investing government regulations (especially SEC)

6. Learn the right questions to ask

7. Hire the right experts, professionals, and advisors— attorneys, accountants, managers

8. Don’t invest in a group unless you are comfortable with the risk/reward ratio

I hope these tips have empowered you to think about the benefits of investing in real estate with a group.  If so, you will have taken an important mental step into a brighter and more prosperous future.

In fact, the majority of all millionaires at one point formed an alliance with other people of the same vision to ensure their success.

Perhaps it is time you did, too?

HIS Real Estate Network is an alliance of everyday people with the vision for financial freedom. It is your complete connection to real estate experts, money making information and opportunities for financial wealth. We are a community of like minded investors focused on one goal – prosperity through real estate. Find out more now about our group of real estate investors, and the opportunities available for you to get involved today with extremely lucrative returns and very acceptable risks, right here:  http://www.hisrealestatenetwork.com

Dear Friend,

Congratulations for joining our Real Deal Team!

Important: Make sure to check your inbox for an email titled

"Confirmation: 'Real Deal Commercial Investing'"

This email contains your unique link to access the webinar. Make sure you save this email for the event.

While you are waiting for the Real Deal Commercial Event, we want to give you the opportunity to learn more about our team. Download our Private Placement Example PDF and learn more about our Investing Philosophies and The HIS Board of Advisors.

As you are getting started in commercial real estate investing, or residential flipping, ask yourself, “Do I run a house-flipping business?  Or, is it a real estate business that flips houses?”  Are you working for tips? Let these commercial real estate investing tips help focus your approach to investing.

There are a few  key tips for you to consider as you are getting started in commercial real estate investing, or residential flipping.  Ask yourself as you begin, “Do I run a house-flipping business?”  Or, “Am I running a real estate business that flips houses?”  Do you see the difference? I can teach you how to do one deal, but what is that going to do for you? You just make one deal, right?  Let the following real estate investing tips help focus your approach to investing.   

 Create a Business with Systems:

 HIS Real Estate Network teaches creating a business that has a “system” that will generate residual income for you. That’s the difference. What I want you to start thinking about, the need for you to see residential and/or commercial real estate investing as a business. That’s what this is. You are not flipping houses; you’re in the residential and/or commercial real estate business.

 If you operate your real estate investing like a business, guess what happens? You don’t do just one deal a year or one deal a quarter; you do a lot of deals consistently. Why? You’re running it like a business. That’s the difference.

 Whether you are involved in residential flipping or commercial investing, it is important to know that you are running a business.  And, if you are focused on residential, you may want to look at the viability of adding or shifting to commercial ventures.

Determine your income needs to meet your obligations, reach financial freedom?

 Now I don’t know what your income stream is right now, if you make $4,000, $5,000, $6,000, $7,000, $8,000, $9,000, $12,000 or $20,000 a month in payments so that you can live. In other words, what amount of income do you need to come in every month so that you can pay your bills, and be free?

 If you just did a couple of deals and every month they were paying your bills, even if it was just $6,000 a month, would that be financial freedom? Financial freedom might mean you could just roll out of bed and be like well, “Today I don’t feel like working. It’s okay because my mortgage is paid, my kids have food, we’re going shopping and we’re going to Disney.” That makes a big difference.

 A residential business with solid systems can do a portion of that to a degree, which is one way to maximize the returns quickly because that’s what the vehicle is there for.  But, what we really want to do is take that money that we’re repeatedly making on the residential flips, and take a portion of that, right now, and put it to work for us long term.

Ask yourself if you are “working for tips?”

 Does anybody know why commercial is so sexy to us?  Money for trailing dollars… Passive income. Residual income. Commercial market crash. That’s definitely a door for it right?

 We used to just be residential and we had it down pat to a science. We could do a webinar and flip 20 properties in that webinar. It was good. We had the system down and I was bragging about it to some older guys who couldn’t stop laughing at me. 

I’m offended. I’m literally offended because I’m doing deals so I’m a player, and these guys are laughing at me. I asked, “Why are you laughing?” And, one said “Because you’re working for tips.” Think about that concept for just a moment. I’m working for tips. I’m making money, right? Yes, but the moment you stop working that business, guess what happens? You stop making money.

Then he said something that really hit me. “When was the last time you flipped a house and the house deal paid you every month after that?” I had no comeback for that. I just had to bow out, put my tail between my legs and say “okay”.

 Well, what happened was I saw the light.  I bought one commercial deal, I made money when I bought the deal, and I’ve been making money for the last 11 years as a result of that one deal.  You can’t compete with that. Do you follow? So the rate return may not be your 30 or 40% on a flip, but at the end of the day it’s an infinite return that’s paying every single month.  Do you follow that?  Every single month!

Now we are getting that residential income flow every single month. It only takes two or three deals before all the sudden you’re like hey, I can be picky now. I can relax because every month there’s a check coming in the mail. How many of you would like to do that? Absolutely! Me too!

So as you are getting started in commercial real estate investing, or residential flipping, be sure to run your investing as a business with systems, know how much income you need to generate from your system to reach financial freedom, and stop working for “tips” as you transition to commercial real estate investing, if you’re not already there.

Rick Melero

  P.S. If you’re serious about making money NOW in commercial real estate, while building long-term wealth, all by learning how to re-position yourself to achieve INFINITE returns then you must attend our next live educational online webinar with America’s #1 Real Estate Network™. Register here, right now as a guest of Rick Melero and unlock the secrets to 6-figure paydays and awesome monthly cash flow per deal:

http://www.hisrealestatenetwork.com/383

 

 

3 Reasons Why You Should be Investing in Commercial Real Estate

Is investing in commercial real estate a better investment than investing in residential real estate? Now, we all know that real estate in general is a great investment vehicle and both residential and commercial properties can be good investments. Either avenue can have a tremendous effect on your net worth, but most people think only of residential property when they think about investing in real estate. While this is certainly the most viable route for most people, commercial property can offer additional benefits that residential real estate can not.

3 Reasons Commercial Real Estate is Better than Residential Real Estate

1.) Commercial Real Estate Gives You More Access to More Capital
It has been our experience that it is somewhat easier to raise larger amounts of capital (under $3M) for a commercial deal than it is to raise $150,000 for a residential deal. As a residential investor your access to capital is limited primarily to traditional financing, hard money lenders, and private money from individual investors. If you are unable to raise capital from one of these three avenues, then you are forced to acquire property in more of a creative manner with owner financing, subject to strategies, lease options, etc. This in itself is not a bad thing, but unfortunately you will have to walk away from some good deals that can’t be acquired with creative financing techniques.

In commercial real estate it is more common for investors to pool their capital together and syndicate deals, you will also find that smaller private equity firms and finance companies are more inclined to do joint venture projects and provide the needed capital to complete the deal if the deal makes sense. So as a commercial real estate investor you have the potential to raise capital for a deal from the same traditional sources as residential real estate i.e. Traditional Financing and Hard Money, but in addition to that you can have access to capital through smaller private equity firms, hedge funds, private REITs, investment groups, etc.

There also seems to be a sense of intrigue and prestige when it comes to investing in commercial real estate. Perhaps because of the current commercial building market it appears investors are trending to investing in commercial projects.

2.) Commercial Real Estate is Less Competitive
When you think about it from a marketing perspective, most investors target residential property owners, thus making the residential market more competitive. In many arenas from industry news sources, the World Wide Web, all the “We buy Houses” signs on virtually every city corner, discuss marketing tactics targeting residential property owners. If you take the same marketing strategies discussed and apply them to commercial real estate, you will probably find that you are the ONLY person contacting these commercial property owners in regards to selling their property. Most commercial properties under $5 million tend to be too large for most residential investors, yet too small for most institutional investors.

3.) Commercial Real Estate allows for “Forced” Appreciation
Residential real estate is typically valued based on other comparable properties that have sold in the area that are similar in features. If the “comps” for a 3 bedroom/2 bathroom house in a particular neighborhood is roughly $100,000, then your property is probably going to be worth $100,000. It doesn’t matter too much that you have additional features, or that your house is getting $900 a month in rent as opposed to the house down the street that is only renting for $700 a month. All things considered, your property will still be valued pretty close to the “comps” of the area.

However, in commercial real estate, the valuation of a property is based on the revenue that the property generates. Now, commercial real estate is still subject to the “comps” of the area as it pertains to “How” that revenue is valued in terms of capitalization rates. But, the overall premise is that, the more revenue a property generated, the more that property is worth.

So, in order to “force” the appreciation of your commercial property, you need to find additional ways to increase the revenue that the property generates. A small increase in revenue can increase the value of a property significantly depending on the “Cap Rates” in the area for that type of commercial real estate. Unfortunately, with residential real estate this isn’t an option as you really can’t force appreciation; your property will be valued in the general range of the market comps.

As you can see, commercial real estate offers many benefits over residential real estate in addition to higher returns on your investment.
Now of course there are disadvantages with any investment vehicle, commercial real estate included. However, consider the following when choosing between residential or commercial investing to create your passive income stream;

Commercial vs. Residential:
1) The building qualifies for the loan; Not the borrower
2) The building pays back the loan; Not the borrower
3) Others are expected to manage the building; Not the borrower
4) Income determines the value of the property; Not the comps
5) Cap Rate measures demand for the property; Not the comps.
A commercial property’s value is eternally tied into the income the property produces and the overall demand for the property’s services based on its location & its highest & best use.