• (800) 510-2214
  • info@albcommercialcapital.com
  • Cal BRE License #01379610
  • (800) 510-2214
  • info@albcommercialcapital.com
  • Cal BRE License #01379610
Overview Of Loan Programs | ALB Commercial Capital

Anatomy Of A Deal | Portfolio Analysis

Background: Our advisor was granted a portfolio assignment that consisted of roughly 60 million in small balance apartments primarily located in the South Bay area of California. What was discovered soon in the initial consultation was that the borrower had some major hurdles for us to get around. The problems primarily were a result of the decrease in property values a sign of the current CRE markets which made the required Loan to Value an issue.

To begin with our Advisor had to identify all of the lenders that would underwrite to the highest LTV and at the most aggressive rates. Of the few Lenders that made the first cut we acknowledged that we were going to have to spread these properties out to different lenders based on the characteristics to the property type, location, loan balance, and estimated value. After conferring with the chosen lenders we came up with a strategy that best met the client’s goals.