Montegra Capital Resources LTD

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How I Made Money

How to Know When to Walk Away from a Real Estate Deal

The myriad variables that influence real estate value can make real estate investments a tricky business. There is no guaranteed calculation that ensures profits every time, so it’s important to be able to spot the red flags that indicate it’s time to walk away from a deal that may be too good to be true. […]

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Properties funded by private capital land loans

Private Capital Land Loan from Montegra

Today we are talking with Bob Amter about private capital land loans. He has over 40 years of experience doing hard money loans. Hello, I’m Bob Amter, the president of Montegra Capital. Can you give us an example of a Montegra land loan? In 2009, as the whole economic world was coming to an end […]

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Commercial Mortgages: 101

Beware: CMBS Maturities Up Ahead

The Background From 2005 to 2007, lenders originated over $600 billion in commercial-mortgage-backed securities. Because these loans typically have a ten-year maturity date, this means that the majority of these loans are going to begin maturing in 2015, for a total of over $350 billion. The state of the market immediately preceding the financial crisis […]

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Hard Money Loan Approval: Story Trumps Data

Many of the larger traditional mortgage providers are now using sophisticated computer programs to crunch the numbers and determine to whom they will lend and how much. This is often touted as progress and technological advancement, but it is also easy to lose sight of the story behind the data. Bank lenders used to be […]

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Denver Real Estate Market

Sell Now, Sell Later: Choosing the Right Exit Strategy for You

You’ve purchased your investment property. You’ve put money and hard work into renovating the property. Now what? Exit strategies are not one size fits all; they must be customized to fit each individual situation. While it’s important to have an exit strategy before you purchase a property, fluctuations in the market and your own financial […]

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Colorado Property Values Are on the Rise: What This Means for Your Property Taxes

According to the Colorado Division of Property Taxes, residential and business property values have experienced significant increases over the past two years (from June 30, 2012, to June 30, 2014). Residential property values are reported to have increased statewide by 14.3 percent, while commercial property values have gone up by 9.4 percent, industrial has risen […]

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Foreclosure Essentials

What Every Hard Money Borrower Should Know About Finding and Buying Distressed Properties

Bridge loans are often used to purchase distress properties, but this does not mean that buying distressed properties is automatically a good deal for a hard money borrower. There are four main categories of distressed property that a borrower may be interested in and each of these categories has its own unique benefits and risks that […]

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gavel

Deficiency Judgments: What you don’t know can hurt you! Part 2 Commercial real estate loans

In Part 1 of this blog we discussed what a personal guarantee can mean in a residential loan. In this section we discuss what they can mean in a commercial loan.  For a borrower of commercial real estate loans signing a personal guarantee is much more complicated and it is highly important to understand what […]

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Hard Money: Advanced

Taking a Three-Pronged Approach to Valuing Properties

There are three primary facets of property value that must be considered and weighed to understand the big-picture value of your investment property.   Distinct qualities that can be quantified: Valuation begins with the most obvious, easily quantifiable characteristics of a property, such as age, size, layout, etc. These qualities have exact measurements that cannot […]

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After-Repair Value and Hard Money Loans

One of the greatest differentiators between hard money lenders and institutional lenders is that hard money lenders are willing to consider after-repair value (ARV) while institutional lenders will only consider as-is value when they are determining your loan amount. What is after-repair value? ARV is the estimated value of a property once all repairs and […]

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Hard Money: The Basics

6 Qualities to Look for in a Hard Money Lender

Unlike conventional lenders where you might work with a different employee on each visit or loan, working with a hard money lender is as much about forging a relationship as about obtaining financing for a commercial real estate (CRE) investment. There are six qualities that you as a borrower should look for in a hard […]

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How to Sell Your Hard Money Loan Request

Hard money lenders have the freedom to base their decisions about which loans to fund on more than just a checklist of requirements. Therefore, how you present yourself and the project you want to finance is just as important as the value of the property. Even if you’ve found a great deal on a fantastic […]

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Hard Money: What's New

Update on Marijuana Banking in Colorado

When MBank announced in January that they would accept accounts from marijuana-industry customers, it briefly seemed as though the banking problems for the newly legal industry in Colorado might finally have a solution. However, that hope was quickly doused when, after only a week, they backed out of the Colorado market citing lack of infrastructure. […]

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Private Money in 2015: 3 Trends You Should Know About

With the new year now in full swing, there are three overall trends to watch for in the private capital lending market: An increase in commercial hard money loans. As the housing market settles into a state of equilibrium for the most part, it is likely that there will be an upswing in hard money […]

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How I Made Money

How to Know When to Walk Away from a Real Estate Deal

The myriad variables that influence real estate value can make real estate investments a tricky business. There is no guaranteed calculation that ensures profits every time, so it’s important to be able to spot the red flags that indicate it’s time to walk away from a deal that may be too good to be true. […]

Read More

Properties funded by private capital land loans

Private Capital Land Loan from Montegra

Today we are talking with Bob Amter about private capital land loans. He has over 40 years of experience doing hard money loans. Hello, I’m Bob Amter, the president of Montegra Capital. Can you give us an example of a Montegra land loan? In 2009, as the whole economic world was coming to an end […]

Read More

SBA Loan Essentials

How the SBA 504 Loan Program Can Benefit Your Business

The SBA 504 program provides small business owners with loans to expand or buy their own commercial real estate. The loan terms typically include: 90 percent financing, 25-year amortizations, fixed interest rates, and no balloon payments. These loans are provided through partnerships with community-based nonprofit lenders which are referred to as certified development companies (CDC) […]

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What You’ll Need for Your SBA Loan Application – Avoiding the Catch 22

Each loan program has its own paperwork, but by assembling the documentation and information that will be typically required for most of them, you can make the process more streamlined. Personal background. This can include previous addresses, other names used, criminal record, education and other pertinent information about the borrower. Resumes. This may be required […]

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