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driven
User Rank
Iron
Re: New properties
driven   5/3/2012 3:49:02 PM
NO RATINGS
What's the point of lending money when you can earn as much or more just sitting on it?

PredictableChaos
User Rank
Platinum
Low interest rates = tight credit
PredictableChaos   5/3/2012 12:32:22 AM
NO RATINGS
 

Actually low interest rates and tight credit make sense, in a way.  Ask yourself; would you be more willing to take on some risky borrowers if you were offering your money as
  • Revolving credit at 18%; where a 5 to 7% default rate is covered by your business model and you can raise rates almost at will - or -
  • Home Mortgage loans, where fewer borrowers keep your money longer, at just 3.9% and you'll have negative returns if your default rate ever gets to 4%

Sort of explains all those credit card offers that keep the post office afloat.

Scott Raynovich
User Rank
Blogger
Re: New properties
Scott Raynovich   5/2/2012 10:35:05 PM
NO RATINGS
Tight credit is the issue facing almost everyone. Kind of ironic with interest rates at 0%, isn't it?

 

tokyogai
User Rank
Platinum
Re: New properties
tokyogai   5/2/2012 4:15:16 PM
NO RATINGS
When you think about it, thisis crazy. At today's rates, investors should want to loan money at the rates the devlopers pay. I guess maybe all real estate got tarred with the same brush.

John Jordan
User Rank
Blogger
Re: New properties
John Jordan   5/2/2012 2:38:15 PM
NO RATINGS
Tight credit is one of the major issues facing multifamily developers.

driven
User Rank
Iron
Social change
driven   5/2/2012 1:59:40 PM
NO RATINGS
What effects, if any, do you think we will experience as a society as we swing back from a nation of homeowners to a nation of renters?

Drivewaygirl
User Rank
Platinum
Re: New properties
Drivewaygirl   5/2/2012 1:54:59 PM
NO RATINGS
I have to think most commercial builders have been stymied by the lack of credit, the inability of suppliers to extend them credit on their supplies and the fear factor of vacancies after the place is built.

cat tail
User Rank
Platinum
New properties
cat tail   5/2/2012 1:46:54 PM
NO RATINGS
I wonder why there have been very few new apartment communities built as vacancy levels have climbed. Do you blame tight credit?

Dex
User Rank
Iron
Re: Conversion property
Dex   5/2/2012 1:41:43 PM
NO RATINGS
yes, some of those vacant properties were shoddily built. Now they have been vandalized by kids or the former owners, and a lot of them are a mess -- it would probably cost more to repair them than start over.

Noreen Seebacher
User Rank
Blogger
Re: Conversion property
Noreen Seebacher   5/2/2012 1:09:00 PM
NO RATINGS
I would hate to see them bulldoze historic properties, but I'm starting to think razing poorly built subdivisions (full of toxic Chinese sheetrock, and, by now, rodents, roaches and mold) is the way to go.

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