The Loan Company Newsletter August 2010

The Loan Company e-Brief

Direct Portfolio Lender Since 1974

September 2010

Thank you for the opportunity to share general information relating to the commercial real estate finance industry and letting you know what's new at The Loan Company of San Diego. We value your relationship and believe better communication is another way we can serve you.

The Loan Company of San Diego is a private direct lender serving San Diego for over 30 years, making smaller commercial real estate loans fast and easy. THE MOST COMPETITIVELY PRICED PRIVATE MONEY IN SAN DIEGO COUNTY.

Now is the time to invest in San Diego Real Estate with the help of The Loan Company of San Diego

Commercial Real Estate in San Diego County may be the best buyer's market in the past 20 years according to Cushman & Wakefield (taken from the article in the section referenced below). For example, owner-user office space is averaging $179/sf now and in 2007 it was averaging $279/sf. The Loan Company of San Diego is here to help you take advantage of this window of opportunity as a bridge lender allowing you to get your foot in the door acquiring a property and giving you time to position yourself and/or the property for a conventional take-out loan.

As a private lender making bridge loans, The Loan Company of San Diego is typically more flexible in credit qualifying and debt coverage ratios than conventional lending sources. However, this does not mean bridge financing are risky loans. For The Loan Company it means using common sense underwriting making it a win/win for the borrower as well as the lender. The ultimate protection in making a bridge loan is primarily equity and, to a lesser degree, credit quality. The loan scenario needs to make sense, have a viable exit strategy and acceptable sponsorship. Additional collateral to offset equity shortfalls may be considered. We also consider non-traditional property types.

The bottom line is The Loan Company of San Diego takes a common sense approach to each loan request along with being flexible, fast and easy. So call us today to see how we can help you benefit from this window of opportunity in San Diego.

The Loan Company web site

Commercial real estate in S.D. having best buyers' market in 20 years

By THOR KAMBAN BIBERMAN, The Daily Transcript

Tuesday, August 17, 2010

Although these may be very difficult times for those who own commercial real estate in San Diego County, it may be the best buyers' market in the past 20 years, according to one brokerage.

Cushman & Wakefield notes that office and industrial property prices are being driven down to levels not seen since the recession in early 2001, as well as interest rates that haven't been as low in two decades.

"From a buyer's perspective, it's almost as though the stars have aligned to create a tremendous window of opportunity for companies to invest in their business locations," said Marc Posthumus, a Cushman & Wakefield owner/user specialist.

Click here to read the rest of this article

10 Tips for time management in a multitasking world

Time management is one of those skills no one teaches you in school but you have to learn. Once you know the skills the best way to increase your productivity long term and achieve your maximum potential is to keep it simple, don't procrastinate and be consistent in following through on what needs to be done.

Here are 10 tips to make you better at managing your work:

1. Don't leave email sitting in your in box.
2. Admit multitasking may not be the best - Focus on one thing at a time.
3. Do the most important thing first.
4. Check your email on a schedule.
5. Keep web site addresses/contact lists organized.
6. Know when you work best.
7. Reduce steps/keystrokes to complete tasks eliminating wasted time.
8. Make it easy to get started.
9. Organize your to-do list every day.
10. Dare to be slow.

Integrity is the Cornerstone of Our Business

As a private direct lender, The Loan Company has built its business and reputation on integrity and steady, solid growth. Since its beginning over 30 years ago, The Loan Company has established quality in every dimension of the business. Treating clients the way we want to be treated is at the core of every transaction.