Investment Property Mortgage Loan Applications That Succeed

Your commercial property loan is turned down – Why?? It is particularly tough to get an investment property mortgage loan, and you will often find yourself rejected for no clear reason. This can be frustrating, but it is a learning experience. With each terrible rejection, you get a little wiser.

Well, what if you could skip all of those rejections and learn from others’ mistakes? Let’s look at the most common reasons why investment property mortgage loans get turned down. Then, you will know what to expect when you apply for your financing.

The Type of Business

The most common reason that loan applications are rejected is that the bank simply does not offer financing to certain kinds of businesses. Banks loan money on the basis of possible risk, and some business types are considered riskier than others. If you are trying to get financing for a golf course, restaurant, gas station or church, you might find it tricky to get funding. On the other hand, if you are looking for funding for an apartment complex or office building, it will be much easier.

What is your solution? Look for a lender that specializes in that particular type of business. On the Internet, there are all sorts of financing company options available. Also, look for non-traditional lenders who may be more likely to take on what they consider riskier ventures.

Don’t Ask For Too Much!

A big problem that causes many rejections is that borrowers simply ask for too much money. A bank is always ready to approve a smaller loan before it approves a bigger one, especially with the sub prime catastrophe that we’re seeing today. A bad loan for lots of money is not good for the lender or the borrower.

When you are working out your business plan, be realistic about how much you need, and how much you are able to pay back. It’s nice to have more than enough money to start your business, but it’s not so nice when you are struggling to pay the bills and have that giant debt hanging over your head. Ask for just as much as you need, and don’t aim too high.

The Source of Funding

Most traditional lenders will want to know detailed information about where the funds are coming from to make the down-payment. This is a reasonable request, but it can get those of us seeking a loan into trouble. The reason why this can be problematic is that they may consider the source a high risk. Remember, they’re not as optimistic about your business as you are!

Many businesses finance their down payment by using funds from what is called “subordinated debt.” This basically means some kind of secondary financing, like a seller second. Banks and other traditional lenders don’t like to see this. A non-traditional lender will be much more likely to approve a loan that uses secondary financing as a down payment.

Finally, remember that we all get rejected! Probably everyone you know who has started a small business has been turned down at least once, and most likely many more times than that.

Investment Property Mortgage Loan Comparison Software

Anyone that wants to get into the real estate business is likely going to need some sort of investment property mortgage loan, unless they have a large amount of money that is free for investing. Lots of banks offer special financing for people who want to make a property investment.

These are called investment property mortgage loans, and they have been helping people get started in the real estate industry for years. If you have any property of your own paid off, then you will be able to use it as collateral and get a mortgage loan with good terms and a decent principle that will allow you to follow your real estate dreams.

You should contact all of your local banks to find out what they offer in terms of property investment loans. Keep a notepad with you, and write down the basics of every financing option – the initial interest rate, the maximum available amount, the term, monthly payment plans, the recourse, the fees, and anything else that will have an effect on your borrowed amount. If they have any literature on their financing offerings, be certain to get that as well.

Most of the time, the terms will depend on your credit, and what you have to offer as collateral. Once you’ve got all of this information gathered, you can make use of various tools to analyze your financial prospects.

Initially, you will have to enter all of the data that you gathered into a chart to help you easily compare your available opportunities. First, you should go through and figure out if any of them will be simply unviable for whatever reasons – for example, if you aren’t sure you’ll be able to make the payments on time, you should not consider that deal.

Next, you can use your analysis tool to compare all of the loan options, and figure out which one will be the most profitable, and take the least amount of money from your profits.

Once you’ve determined which property investment offer will be best for you, you should start creating a plan that will outline your investment intentions. This may even be required by the bank, and a loan officer will look over your proposal to ensure that you have a solid business plan. But whether it is compulsory or not, a solidly formed plan will give you personal satisfaction knowing that once you have your investment property mortgage loan, you know exactly what you are going to do with it.

As for tools that will help you compare your financing alternatives, you should investigate all of the options that are available to you. If you use a program that can easily compare your options, then you will save hours of manual work which would have involved performing endless calculations. Using investment software can help you find the best loan and profit as much as possible from your real estate ventures. The technology is available, so make the most of the software.

Beauty and the Yeast

What is candida?

Candida albicans is a yeast overgrowth that starts in the intestines then spreads to other areas of the body. In a balanced intestinal state, the good bacteria, Acidophilus, in our gut would control the yeast but if there is improper balance, the yeast runs buckwild and out of control. The most common cause of an improper balance of good and bad bacteria in the intestinal tract is antibiotics. Antibiotics kill and destroy all bacteria- the harmful AND the friendly. The longer one is under an antibiotic regimen, the more this balance is disrupted. This is an open invitation for a yeast infection.

Who needs candida treatments?

Candida treatments are most common among women, but millions of men every year seek candida treatments for their conditions. Candida is often the root cause of a host of health problems that cause many number of misdiagnosed men and women to seek diabetes treatments, depression treatments, anxiety treatments, even cellulite treatments. However, these are often only symptoms of a much larger, underlying issue. Yeast is literally a beast that slowly destroys the body- masquerading as various diseases. About 80% of the American population has a yeast problem that they are unaware of. A candida treatment could save a lot of unnecessary treatments by simply cutting out the middleman and going directly to the source of the problem- yeast infection.

Dr. Carolyn Dean reports that yeast produces 180 different toxins in the body which are responsible for weight gain, headaches, insomnia, anxiety and depression, mood swings, and hormonal imbalance. Yeast is directly related to weight gain particularly in women. In an effort to dilute all the yeast toxins, the body retains fluid and saturates the tissues. This results in cellulite and puffiness. A candida treatment should be considered before a cellulite treatment or a trendy program to loose weight.

Candida and Autoimmune Disease

Our immune system is designed to form antibodies against viruses and toxins in our body. The way an autoimmune disease comes about is these antibodies inadvertently attack normal body tissues in the process of fighting the yeast toxins. The yeast toxins saturate and hide in these tissues causing them to get caught in the crossfire, so to speak. This sets the stage for a host of autoimmune deficiencies such as rheumatoid arthritis, lupus, etc.

Candida Treatments Are Not A One-Shot Deal

A candida treatment is a regimen that must be followed and maintained to be effective. Don’t expect candida treatments to mean popping a couple of pills and being cured. It’s not like that. As long as there is an acidic environment in the body for the yeast to thrive on, it sticks around like an unwanted houseguest. The best adjunct to a candida treatment is a dietary change- one that excludes all the yeast favorites such as a high carb diet, sugar, white flour, alcohol, wheat, and all dairy products. If you want to get rid of a yeast infection, you stop feeding it!

The most effective candida treatments employ a holistic approach to alleviating the condition. For additional information on candida treatments, Dr. Carolyn Dean is an excellent source on the subject, along with the website http://www.yeastconnection.com/ The website provides a questionnaire to help you determine if you may have a yeast problem and need a candida treatment.

Why The Southbeach Diet Food Is So Good For Your Weight Loss And Health Goals

When Miami cardiologist Arthur Agaston realized that his patients following low fat high carb diets were gaining weight, he decided to do some research. And so The South Beach Diet(TM) was born. Contrary to what many people believe, The South Beach Diet(TM) is not a low fat, low carb diet. Instead, it introduces followers to good carbs and good fats. By eating foods in the correct balance, the result is good health and amazing weight loss (for those who need to lose weight.) The beauty of The South Beach Diet(TM) is that it is more of a healthy eating plan than a diet. Even people who do not wish to lose weight can follow the plan for better health.

When hearing the word “diet” we immediately prepare ourselves for deprivation. However, looking at the South Beach Diet foods, one cannot help but be amazed at what you are allowed to eat. The key to The South Beach Diet(TM) is using good fats, oils and carbs. These are the oils such as olive oil, canola oil and omega-3 fish oils found in fish like salmon. Combine these with the good carbs found in most vegetables, whole-grain foods and fruit and you have a winner.

The South Beach Diet(TM) consists of three phases.

Phase One

Phase One only lasts two weeks and although there are quite a number of restrictions, you will never feel deprived. The main aim is to get you started on your weight loss program and a completely new way of eating.

During Phase 1, you are allowed to eat meat, vegetables, dairy, eggs and cheese. You are encouraged to eat smaller portions more often. Even snacks and certain dessert are allowed! For those who love their starches such as bread and pasta and sugars Phase 1 might be quite a challenge, but the time passes quickly and it is well worth it. Alcohol and fruit are also off limits during this phase.

By the time you finish with Phase 1 craving for sugar etc. is something of the past.

Phase Two

There is no time limit to phase 2. You stay in this phase until you reach your goal weight. It does not matter how much weight you want to lose or how long it takes you to lose it. Eating healthy, delicious South Beach Diet foods will get you there.

You can now slowly start adding some of the foods that were not allowed in the previous phase. Pasta, potatoes and other starches can be back on the menu. Fruit is allowed again, and if you really miss your wine and chocolate you can add them too! Because by now you know which carbs and fats are the good ones, you will be able to make smart choices.

Phase Three

Once you have reached you goal, it is time to move on to Phase 3. By now The South Beach Diet(TM) has become a way of life. You feel healthy and full of energy. You will eat what you want, but you will be eating the right foods and maintain your ideal weight.

The South Beach Diet(TM) is suitable for everybody, even vegetarians. Should you be one of the lucky ones who do not have to lose weight you can still benefit. Eating the South Beach Diet foods can help to make a healthier, happier you!

Veterinary Supplies – Pet Grooming and Health

Grooming is an important part of caring for your pet. Not only does it make them look and feel beautiful, it helps keep them healthy too!

Benefits to Grooming Your Pet:

A good grooming session with your pet can be greatly beneficial to both you and your animal. The best part is that there are a lot of grooming methods you can do yourself at home! Granted, there are benefits to using a paid professional because they are trained to not only groom, but spot potential health risks before they develop into major complications. Every so often, you may want to take your pet to a professional groomer.

Regular grooming develops a strong bond between you and your pet. An animal that lets you brush out its fur and clean its ears is showing great trust in you. Grooming involves a great deal of petting and handling which also benefits the pet’s emotional state too. Regular grooming also may uncover any potential health risks- for example, when brushing your pet; you may find a matted section of fur that is hiding some form of skin disease or irritants like clinging plant pods or thorns. Small irritants like these can develop into infection and disease if left uncared for. You should also clean any dirt out of their ears before it becomes compacted and causes complications.

The two greatest benefits to routine pet grooming are, one, it allows you to make observations that may uncover issues like weight problems, vision trouble, skin disease or tumors before they develop and become untreatable. And two, it allows you and your pet to develop a deeper and more trusting relationship together!

How to Properly Groom Your Cat:

Cats clean themselves, so do you really need to groom them too? Yes! Although they spend a great deal of time cleaning their own fur, they still need a little help from their owner. Plus, why would you pass up such an opportunity to bond with Fluffy?

Ideally, you want to start grooming your cat when it’s a kitten. If you start young, it will become routine and normal to them. However some cats, at any age, don’t take kindly to grooming, so don’t force it! Do very short grooming sessions where maybe you only brush one part of its body and another tomorrow. Gradually increase grooming seasons until they are more receptive to this routine.

When grooming your cat, you want to relax them first, so spend some time petting them to get the cat into the idea that you’ll be handling them for a little bit. Then gently begin to brush their fur- hold the brush in one hand and use the other to smooth down their fur in front of the brush to feel for any lumps and matted fur. If you do find matted fur, gently brush out one layer of fur at a time. If it seems to be causing your cat discomfort, slowly brush it out over a few days. If at any time the cat lets you know that it is uncomfortable, be sure to stop and find out what is causing the stress- don’t force additional grooming. Cats need to know they are in control, otherwise they may not trust you next time. One handy trick that works for my frisky cats (who like to attack their brush) is that I try not to let them see the actual brush. For some reason this works- they love the feeling of the brush but don’t like looking at it. Usually, most cats don’t like to be brushed for a long time anyways, so doing a little each day will be more efficient than trying to brush them out for a long time. And always remember to brush in the same direction as their hair is growing.

How to Properly Groom Your Dog:

Now, dogs typically don’t spend as much time self-grooming as cats, so they’ll be relying on you a bit more for their personal hygiene! Brushing your dog before you give him a bath will remove any loose fur which increases the effectiveness of the shampoo. When brushing your dog, be systematic, start at the head and move your way to the tail. Be firm but gentle with your brush strokes to be sure you get the job done but not to hurt your pet or cause them any stress. You want them to enjoy grooming sessions with you! When you find any tangles or matted areas, don’t brush at them firmly! This will hurt the animal’s trust in you- gently and slowly try to detangle the knots and brush the fur free.

When bathing your dog, you have to find a suitable location. Sinks and basins work great for smaller dogs while bathroom tubs or portable pet tubs are best for larger dogs. Using an outside hose is convenient, but not a great alternative. The cold water makes your pet uncomfortable, plus the shampoo won’t work as well in cold water. Never use a shampoo made for humans! Our shampoos contain harsher detergents that may damage your pet’s hair or sensitive skin. When it’s time to dry off, use a cotton towel for short haired dogs and rub the fur vigorously with the grain and then against working head to tail. For long haired dogs, you should comb out the fur to prevent tangles.

Clipping your dog’s nails can be a little tricky, so you’ll need to get clippers specifically for dog nails. You have to be careful not to trim too far back- inside your dog’s nail is a vein referred to as the “quick”, and cutting the quick of the nail can cause pain and bleeding. The longer your dog’s nail, the longer the vein extends into it. So if you haven’t done it in a while, you’ll have to cut their nails in phases. First, taking off just a little bit at the tip and then waiting a week. After the first cut the quick will retract further back away from the tip. Then cut a little more, again waiting a week allowing the vein to retract. Once you get the hang of it cutting your dog’s nails will be as easy as cutting your own!

Products:

Since you’ve already made the choice to properly groom your pet, you also want to be sure you’re using the right grooming supplies! Contact your veterinarian to help you decide what types of products you may need. There is an array of antibacterial shampoos and solutions to choose from, so do your research for Fluffy and Fido and they will look fabulous for you in return! Benzoyl Plus Shampoo is a great choice- it is anti-bacterial, keratolytic, and follicular flushing. It also degreases and rehydrates your pet’s coat. Plus, it’s safe for use on dogs and cats!