Calistoga, CA

$1.95M 1st mortgage fixed for 5 years with interest only payments. Cash-out of $720K to pay off less favorable existing commercial loan.

This retired couple requested that we help them find a way to borrow more efficiently and increase their monthly cash flow so they could travel more and spend less time bookkeeping. They had a modest pension but the bulk of their income came from an office building they owned in Southern Marin. The terms of the loan on their commercial office building were not so favorable compared to what was available in the residential market for loans. We proposed that they consolidate the commercial loan and the loan on their home. Their CPA explained that they could consolidate the commercial loan with the loan on their residence and still receive the income tax deduction for the interest paid on the portion of the new residential loan used to pay off the commercial loan.

Now this couple pays $27,864 less interest each year on the same amount of debt, and due to more favorable terms on the new loan, their cash flow increased by $4,431 per month. San Rafael, CA

New equity line on exiting home provides bridge to buying next home.

These empty nesters wanted to downsize to a new home in a new location. They found the perfect choice, but in a competitive market, they knew that they could not ask the sellers to wait until they sold their existing home. We showed them how they could use the cash from a new equity line on their existing home for the down payment on their next home. The balance of the purchase price ($700,000) could be financed for as little as $1,770/month while they listed and sold their former residence.

A transition from one property to the next does not always have to follow a particular sequence. All real estate is unique, and sometimes seizing the right property is more important than having all your ducks lined up at the start. Rancho Palos Verdes, CA

$1.42 million 1st mortgage with fixed payments of $3,591/month. Cash-out of $390K for business remodel.

This client owned a good restaurant, but he knew it could be better with a remodeled interior and new equipment. He wanted to raise the capital to make these improvements, but he knew it would take time before he would see the pay off from more business at his restaurant. He was concerned about raising his payments too high before the restaurant became more successful.

We delivered the money he needed to make the improvements and his new monthly payments are actually lower than before he started.


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