Ralph Armenta’s Post

A HELOC issuance from Figure has pushed year-to-date home-equity issuance (HELOC, CES & HEi) past the dollar volume of home-equity RMBS issued during all of 2023. Morningstar DBRS is rating six classes of the Figure deal.

Interest rates are stabilizing, resulting in a surge in industrial real estate transaction and renewed investor confidence. This positive trend is boosting the broader real estate market with increased deal flow and rising property values. Contact the ECM team to learn more and seize this opportunity: https://bit.ly/497EJLj __________ #essexcapitalmarkets #chicagocre #multifamilityre

Whether you’re a traditional CRE lender or private credit real estate investor, this webinar will dive deeper into the importance of using a robust CRE loan evaluation system that incorporates key risk drivers facing lenders in today’s increasingly volatile market. Register today: https://ow.ly/Z5EW50QCRIi #ReimagineYourRisk

Thank you Jack Stebbins, Antonio José Vielma, Kelly Evans and CNBC for hosting Ran Eliasaf on one of today's insightful segments. Approximately $1 trillion in CRE loans are expected to mature by the end of 2024, indicating potential challenges for borrowers as rates rise. Private credit is filling the void left by traditional CRE lenders and will continue to play a significant role in refinancing. Despite concerns, the CRE lending market is more diverse and resilient than perceived, offering attractive lending opportunities in today's market. #commercialrealestate #privatecredit #lending #2024planning

In the dynamic landscape of real estate, liquidity challenges for borrowers and owners are fueling a robust market for mezzanine or preferred equity capital. Rich Ortiz, Co-Managing Partner at Hudson Realty Capital, discusses how lenders are responding to fluctuating interest rates by providing rescue capital to asset-rich borrowers in the face of short-term financial obstacles with Anna-Marie Beal at Real Estate Capital USA. Read the full article below: https://lnkd.in/ekB2pqaK

Giving back to the real estate community! GPARENCY’s new solution to unlock liquidity for banks and maximize value from distressed debt! You're free to use this idea, with or without our involvement! We've launched a groundbreaking white paper that introduces a new structure to help commercial real estate lenders unlock liquidity and maximize value from their non-performing loans. This approach creates a win-win for banks, borrowers, and note-on-note lenders. With our longstanding, strong relationships in the banking sector, we wanted to give back to an industry facing tough challenges with market fluctuations. Our vetted strategy could unclog the banking system, providing the liquidity needed to restart transactions, benefiting everyone involved. Please review the white paper at the link in comments, ask any questions, and share or tag it with lenders, note buyers, or any stakeholders who might benefit. #RealEstate #Banking #CommercialRealEstate #FinanceIndustry

Barings was ranked 3rd in Reorg’s 2023 European Direct Lender league tables data. The league tables rank European direct lender activity in 2023 across factors including region and sub-region, loan size and sector. Learn more: https://ow.ly/R1Ua50QvsSo

The minimum credit score for a Home Equity Line of Credit (HELOC) is 620.

📊 Day 9 of 9 Key Our Final Property Metric 📊 Today we unveil Metric #9! Understanding the Portfolio Interest Coverage Ratio (PICR) Much like the interest coverage ratio, the portfolio interest coverage ratio (PICR) evaluates the overall rental coverage ratio of properties within an entire portfolio. Lenders generally seek PICRs of 125% or higher, calculated using a stressed interest rate. This rate anticipates potential increases in interest rates. Landlords often overlook this crucial metric when refinancing to release funds for additional property purchases, especially during periods of low interest rates. Without stress-testing their finances for possible rate hikes, they risk being unprepared for future financial strains. Portfolio Interest Coverage Ratio Formula: The portfolio interest coverage ratio = Total portfolio income / portfolio debt service costs #buytolet #interestrate #loantovalue #LTV #nottingham #investment #property

If you thought this year was bad for real estate, then buckle up. 💺 The US real estate market faces a $1.2trn maturity wall in 2024 and 2025; globally, that number is closer to $2trn. 💰 9fin’s Peter Benson reviews the opportunities for direct lenders and where the pain is most likely to come from… 👉 Read now — https://lnkd.in/ewW-Yf_2 #directlending #privatecredit #debtcapitalmarkets #finance #2024trends