Commercial Real Estate Loan Strategies – The Value of Using Stated Income

The use of “Stated Income” (no tax returns and no income verification) commercial loans is a critical strategy to avoid several commercial mortgage loan problems. For example, many borrowers will simply not qualify for a commercial real estate loan if tax returns are used due to high business expenses (and low net income). This article will describe what differentiates a Stated Income business loan from a conventional or traditional business loan.Very few traditional banks use Stated Income for a commercial real estate loan. Many/most commercial lenders will perform a thorough income verification as part of their underwriting process. Most non-traditional commercial lenders do not require tax returns or any income verification for a Stated Income commercial loan. Traditional bank commercial loan underwriting conditions will typically include copies of tax returns as well as a requirement to sign IRS Form 4506 which authorizes the lender to obtain tax returns directly from the IRS. Some lenders require this form in addition to current tax returns. The more devious use of this form is when lenders make a point of not requiring tax returns but separately ask the commercial borrower to sign this form. The most common explanation in asking for this form will involve the words “routine request”. This will usually occur just before the final closing and be further characterized as “one final small detail”. In reality IRS Form 4506 is neither “routine” nor a “small detail”. The use of this form is a lending practice that can have a potentially detrimental impact on a commercial borrower’s financial interests. In contrast, for most non-traditional commercial lenders, IRS Form 4506 is not required for their Stated Income business loans.The value of using Stated Income does not end when the commercial loan closes. Many/most traditional banks require income verification/audits even after the commercial real estate loan closes. Most commercial borrowers won’t believe this until it happens, but many traditional commercial loans will have covenants stipulating that the lender must receive financial data even after the loan closing and that the loan can be recalled (forcing the commercial borrower to pay the bank back early) if the audit of this data is not satisfactory to the lender. Most non-traditional commercial lenders do not verify income either before or after the Stated Income commercial loan closes.I have prepared a Special Report entitled “The Top 5 Reasons that Banks Decline Business Loan Applications and the Top 5 Strategies for Converting a Declined Loan into an Approved Loan”. One of those five reasons is that loan underwriters find something on a tax return that disqualifies a borrower under the bank’s lending guidelines. This “something” will frequently be insufficient net income, but when loan underwriters look at tax returns, there are many other possibilities which produce a similar result. If the commercial borrower is applying for a Stated Income business loan, this situation will not occur because tax returns will not be included in the commercial loan underwriting process.Many commercial borrowers should be interested in strategies for preventing a lender from obtaining their tax returns directly from the IRS or preventing a lender from forcing a long-term loan to be repaid early. Stated Income commercial real estate loans provide a viable commercial financing strategy to alleviate concerns about these issues. Stated Income business loans are no longer just a strategy to help a commercial borrower that could not obtain a commercial loan any other way. Stated Income commercial loans are now increasingly viewed as a a vital method to protect the commercial real estate borrower’s overall financial interests, both before and after the loan has closed.Copyright 2005-2006 AEX Commercial Financing Group, LLC. All Rights Reserved.

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Best Rated Home Base Businesses – Who Do You Believe? Does Such a List Even Exist?

So I decided recently I wanted to write an article on the best rated home base businesses out there. You see, recently I started one myself, and I have to be honest with you, it took a tremendous amount of research and due diligence in order to find something that suited me and fitted into what I was looking for. The internet is a big scary place for your average Joe, and if you want to find a list of the best rated home base businesses online I guarantee you will find not one, but a whole mountain of lists. The only problem with this mountain of list is that they are all different.What use is that? One article says “X is the best business to start” and in the very next best rated home base businesses article, business “X” doesn’t even feature. I started to realise that I needed to take the information I was getting with a pinch of salt and look at it with a skeptical yet open mind. You see what I wanted was for someone to tell me exactly what I should do, or at least give me a list of the best rated home base businesses. That way I could choose between the top three and I couldn’t fail.Unfortunately it didn’t and still doesn’t work this way. Firstly most best rated home base businesses lists don’t concur with each other, they are all different. Secondly you need to remember that the biggest asset in your business is you. If you can’t swim there is no way you can run a swimming school. finding the right business is a very personal thing and the process of choosing one which best suits you can be a lengthy process. Choosing based on someone else’s ranking or list is not a wise thing to do.People that want to work from home all have a few things in common. They want to work for themselves, giving them time to do what they want, when they want. They want to create financial freedom, they want to be at home to spend time with their family, and they want to create passive income for a more secure future. The problem is that when we come across a list of best rated home base businesses they all offer these exact things. What they don’t tell you is what you have to do in order to achieve these goals. People then get stars in their eyes and before they know it they have dived head first into something that just isn’t right for them.I did exactly that, my first attempt at a home based business was a complete disaster. I was completely star struck. The promise of all that money I would make, the time I would have to spend with my family or doing the things I love, left me giddy. Then reality set in. I needed to sell. What, me, sell? I hated direct selling. Worst of all I had to sell to my family and friends. On top of all that I had no interest whatsoever in the products I was selling. All that my best rated home base businesses list had done was put me in a position I didn’t want to be in and I ended up feeling like a failure. Don’t fall into the same trap as me. In your search for the best rated home base businesses remember that one lid doesn’t fit all pots. Find what is right for you and then commit. I took the time and now have a very successful business.

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How Social Media Allies and Upsides Your SEO Efforts?

SMM and Search Engine Optimization are usually given a separate space in the digital marketing arena.

And, quite reasonably, they are the two most decisive factors in the online marketing sphere.

But what we fail to understand is why many businesses do not acknowledge social media marketing as one of SEO’s most influential allies.

Do we intend to say that social media directly encourages your Search engine rankings?

The simple answer could be NO!

You must recognize that social metrics like Facebook likes and Twitter followers indicate social profile authority but have no hand in directly circumscribing the search engine rankings.

Surely, our straightforward answer is confusing. However, we completely believe that SEO and smo are powerful collaborators whose association must be leveraged for digital marketing success.

Let’s dig deeper and express how SMM can merit and warrant your SEO strategy.

The Relationship Between Social Metrics & SEO

Let’s assume that there might have been experiments conducted in the past that determine the use of social-media metrics such as social mentions and engagement level for search engine rankings.

But due to the unpredictable and unstable nature of smo and the weak signals generated, professionals might have dropped the attempts.

This was well elaborated by Matt Cutts back in 2014 in a Webmasters video. He was the Head of Google’s Webspam Team back then, and he revealed that social media provided incomplete signals.

Also, search engine algorithms can’t ascertain the reliability and authority of the smo posts and the profile.

Nevertheless, is there an Indirect way that social media influences search engine rankings?

And, this was embellished in the Cutt’s video itself.

He said that Google treats all social media websites like any other website on the Internet, which means that the same rules apply to Facebook, Twitter and so on as it applies to other websites.

Benefits of Social Media for Business

A Linkable Opportunity

As most social media consists of links to other websites, site owners and content creators can use it to promote their content.

You can employ a particular mixture of organic and paid promotions strategy to maximize your audience base.

Here’s how this happens-

As you use social media, there might have been countless times that some articles impacted you.

The impression an article made is evident in the things you share and communicate on social media. You might often use the information from the article in your other works, giving the source article a reference.

Understand that people cannot relate to something unless they know about it. Social media gives the perfect opportunity to content creators to prompt the audience and share link-worthy content.

You might well concede that SMM has given attention to many websites and individuals who were not known before. Creating Brand Mentions

Now, suppose someone or something (brand, product, service, individual, business, etc.) that has not yet been identified by Google suddenly notices many remarks online. In that case, it will influence Google to categorize them as an “entity”.

These are some unique circumstances that can boost your search engine rankings. This is bound to the context you are being mentioned or how people are talking about you online.

Understand that you are not adjudicated for how high you rank for a thing but what you entail as an entity.

So your website might not be getting a mention for a specific thing right now, but seeing the number of people who put trust in you, they can well start recognizing your business for that particular piece.

This is called the power of positive mentions.

Nevertheless, you need to make sure that positive mentions are not just on social media but on all public forums.

You can spring your brand marketing with your true audience base and inspire positive reinforcement and communication on social media.

Social Media For Searches

You cannot miss the fact that people use social media to search for a particular product or brand, and your audience base is just not limited to Google or Bing.

As you operate Twitter, you will realize that the social media channel with its trends, hashtags, insights and other tools give you a perfect opportunity to collude with the potential customers, making your content visible to the users.

You will find similar responses to Pinterest and Instagram.

Also, if anyone wants to know more about your company, he/she will likely ascertain your presence on Facebook, Instagram, Twitter channels- do a quick search and decide upon if he/she wants to deal with your business or not.

In 2016 Mark Zuckerberg had mentioned that “Now people are doing more than 2 billion searches a day between looking up people, businesses, and other things they care about.”- source Techcrunch.

Facebook had earlier retreated on a semantic graph search engine and launched a true keyword search, which landed in more search queries for media channel.

Twitter, since its onset, has been the leading destination for the population to flock for searches, especially in the event of big global news. Full post search appeared to have worked for Facebook and have expedited query volume.

Changing The Idea Of SEO

We have reached the phase where SEO is not just centered till Google optimization. We need to realize that search engine optimization is extending and converging on smo.

Also, if Google has been unclear about its stand, Bing, on the other hand, has been quite positive in including social metrics in its search engine algorithms.

You may well agree that the audience that reaches the company website, lurking through digital media channels, has already interacted with the company in a very pragmatic sense.

Also, digital media gives users the capability to engage more powerfully and compellingly. Hence, it will be only effective to broaden your social, media capacities and elicit brand awareness and growth.

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