Alicia Qin Wang - 如何远程获得投资贷款？.pptx

1、Commercial(multifamily)Property with Leverage,A,Paths to a Successful Real Estate Investment,Source the deal(OPT)Getting the loan(OPM)Property Management(OPT),Source the deal-Financeable Property,Long term rentals Liquidity(usually non-recourse loan)Building less than 10 years old,Which one can get

2、more financingSame location,same yield,Source the deal-2 filters,Why focus on major metropolitan areas?Why multifamily(studio type)?,Why Tokyo Yokohama Major Metropolitan Area,Population density and limited supplyVery low vacancy High demand which can lead to increased rent(highest net absorption ra

3、te among the biggest cities),Comparables-Which city has the best balance,Why Multifamily Single Occupancy Studio,Tokyo is a big hub for students,professionals,and foreign workersYoung people stay single longer than beforeResilience to Economic ShiftsRent/sq feet is higher than bigger unit,What are t

4、he basic loan requirements for Non-Resident,35%-45%down payment required Gross rental income needs to be around 1.2-1.5 times of monthly payment(depends on the banks)Personal income or assets requirements:Annual income test orLiquid net assets test(there is no seasoning requirement)Needs to have a l

5、ocal person as representative(via setting up corporate entity),Why use Corporate Entity?,Example Loan Agreement,Typical Timeline for the Whole process,After identify the property:Week 1-3 Pre-qualification(submit docs to bank for informal underwriting)Week 3-6 Set up legal entityWeek 6-8 Signing pur

6、chase contractWeek 8-13 Interview-formal underwriting process starts Week 13 Final Approval,opening bank account(Property Manager starts advertising)Week 14 Finalize and Sign the loan agreementWeek 15 Closing(tenant moves in),Case Study-Woo