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Course Details

The Professional Financial Consultant: Commercial, SBA, Real Estate, and Venture Capital Financing (Course Id 25)

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Author : Jae K. Shim, Ph.D., CPA
Status : Production
CPE Credits : 8.0
IRS Credits : 0
Price : $79.95
Passing Score : 70%
Primary Subject-Field Of Study:

Business Management & Organization - Consulting Services for Course Id 25

Description :

This course is designed to train people interested in financing services to develop the knowledge and techniques required to approve and package a variety of loans and financing, such as SBA loans and venture capital financing. Understanding the new money markets and finding available sources of capital for investment, expansion, real estate development, and personal investment have challenged the majority of businesses. The course focuses on the basic principles, concepts, terminology and instruments used to qualify a client, package a loan, and delineate the various services available in the financial community. Useful Internet resources are provided wherever applicable.

Usage Rank : 0
Release : 2012
Version : 1.0
Prerequisites : None.
Experience Level : Overview
Additional Contents : Complete, no additional material needed.
Additional Links :
Advance Preparation : None.
Delivery Method : Self-Study
Intended Participants : Anyone needing Continuing Professional Education (CPE).
Revision Date : 29-Oct-2012
NASBA Course Declaration : Participants must complete the final examination within one year of purchase and with a minimum passing grade of 70% or better to receive CPE credit unless otherwise noted on the Course History page (i.e. California Ethics must score 90% or better). After logging in click on the Course History links on your My Courses page for the Begin date and Expire date for the Final Exam.
Approved Audience :

NASBA Registry - 25

Keywords : Business Management & Organization, Professional, Financial, Consultant, Commercial, SBA, Real, Estate, Venture, Capital, Financing, cpe, cpa, online course
Learning Objectives :

Chapter One
THE PROFESSIONAL LOAN BROKER

After studying this chapter you will be able to:
    1. Describe the role of the loan broker.
    2. Outline the marketing techniques and services offered by the loan broker.
    3. List the procedures to achieve financial success.
    4. Qualify your clients.
    5. Set your fee.
    6. Implement a process for loan packaging and guaranteed income.
    7. Identify the typical list of loan-packaging services.
    8. Interpret the facts available in the marketplace.
    9. Distinguish what lenders are look for.

Chapter Two
COMMERCIAL FINANCE

After studying this chapter you will be able to:
    1. Outline the process for factoring accounts.
    2. Facilitate the use of accounts receivable for financing.
    3. Utilize inventory financing.
    4. Justify the use of equipment financing and equipment leasing.
    5. Select and prioritize your business financing.
    6. Apply for Small Business Administration (SBA) loans.
    7. Arrange for venture capital financing.
    8. Work a loan online.
    9. Raise equity and venture capital online.

Chapter Three
REAL ESTATE LOANS

After studying this chapter you will be able to:
    1. Conduct a basic review of available real estate loans.
    2. Define estates.
    3. Prepare the transfer of deeds.
    4. List and give examples of the kinds of deeds.
    5. List and give examples of real estate loan originations.
    6. Arrange for residential loans.

Chapter Four
INTRODUCTION TO COMMERCIAL REAL ESTATE FINANCING

After studying this chapter you will be able to:
    1. Analyze income property loans.
    2. Depict the income-property lending process.
    3. Arrange for interim loan underwriting.
    4. Locate permanent mortgage investors.
    5. Establish the process for financing apartments.
    6. Outline apartment loan underwriting guidelines.
    7. Arrange for shopping center financing.
    8. Utilize the financing opportunities available for office-warehouses.
    9. Facilitate financing for general offices (multi-tenancy).
    10. Locate and arrange financing for medical office buildings.
    11. Select financial package for mobile home parks.
    12. Plan and evaluate financial packages for hotels and motels
    13. Summarize the financial organization need for nursing homes.
    14. Arrange for construction loans.

Chapter Five
REAL ESTATE FINANCING AND FUNDAMENTALS OF INVESTING

After studying this chapter you will be able to:
    1. Outline the loan process.
    2. Describe an online loan application.
    3. Explain and give examples of the lending laws.
    4. Identify sources of funds.
    5. Summarize the classification of mortgages.
    6. State the type of financial paperwork needed.
    7. Document the follow up of the loan process.
    8. Explain how to get started as an investor.
    9. Describe the factors to be considered in investment decisions.
    10. Define return and risk.
    11. Discuss the risk-return tradeoff.
    12. List the types of risk.
    13. Identify the factors to be considered in housing decisions.
    14. State how to invest in real estate.
Course Contents :

INTRODUCTION

 

 

C H A P T E R   O N E

 

THE PROFESSIONAL LOAN BROKER

 

            WHO USES A LOAN BROKER

            HOW DOES A BROKER INTRODUCE HIS/HER SERVICES TO A CLIENT

            PROCEDURES ARE THE KEY TO FINANCIAL SUCCESS

            QUALIFY YOUR CLIENTS

            SETTING YOUR FEE

            LOAN PACKAGING - GUARANTEED INCOME

            TYPICAL LIST OF LOAN-PACKAGING SERVICES

            FACTS OF THE MARKETPLACE

            WHAT LENDERS LOOK FOR

 

 

C H A P T E R   T W O

 

COMMERCIAL FINANCE

 

            INTRODUCTION

            UNSECURED DEBT

            SECURED DEBT

            WHO IS YOUR CUSTOMER?

            PRELIMINARY CLIENT ANALYSIS

 

Commercial Finance Services

 

            FACTORING

            CONVENTIONAL FACTORING

            MATURITY FACTORING

            MATURITY FACTORING WITH EQUITY

            IMPORT FACTORING

 

Accounts Receivable Financing                                                      

 

Inventory Financing   

 

Equipment Financing

 

Equipment Leasing

 

            YOUR MARKET

            LEASING LANGUAGE

            TYPES OF LEASES

            THE ADVANTAGES OF LEASING

            SALE-LEASEBACK FINANCING

                                                                                                          

Business Financing

 

            SOURCES OF CAPITAL

            SMALL BUSINESS ADMINISTRATION (SBA) LOANS

 

Venture Capital Financing

Working a Loan Online

 

Raising Equity and Venture Capital Online

 

 

C H A P T E R   T H R E E

 

REAL ESTATE LOANS

 

Basic Review of Real Estate   

 

            PERSONAL PROPERTY, DEFINED

            REAL PROPERTY, DEFINED

 

Estates

 

            FEE SIMPLE ESTATE

            LIFE ESTATES

            TENANCY BY ENTIRETY

            TENANCY IN COMMON

            JOINT TENANCY

 

Deeds  

 

            REQUIREMENTS

 

 

Kinds of Deeds   

 

            GENERAL WARRANTY DEED

            SPECIAL WARRANTY DEED

            BARGAIN AND SALE DEED

            QUIT CLAIM DEED                                                            

            DEED OF TRUST

 

Real Estate Loan Origination  

 

            CREDIT GUIDELINES

            INCOME AND EMPLOYMENT

            ASSETS

            LIABILITIES

 

Residential Loan Types  

 

            CONVENTIONAL LOANS

            ELIGIBLE PROPERTY

            TERM

            INTEREST RATE AND DISCOUNT POINTS

            CONVENTIONAL LOAN INCOME RATIO

            VETERANS ADMINISTRATION LOANS

            FEDERAL HOUSING ADMINISTRATION LOANS         

            LOAN BROKER'S 35-50 RULE

            FHA INCOME QUALIFYING STATEMENT

 

fico scores

 

 

C H A P T E R   F O U R

 

INTRODUCTION TO COMMERCIAL REAL ESTATE FINANCING   

 

Analyzing the Income Property Loan  

 

            FEASIBILITY

            LOCATION

            TIMING

            BORROW

            REAL ESTATE

 

The Income-Property Lending Process   

 

Permanent Mortgage Investors

 

Apartments  

 

            LOAN-TO-VALUE RATIO

            RATE

            TERM

            BUILDING REQUIREMENTS

            LOCATION REQUIREMENTS                                           

            OCCUPANCY HOLDBACK

            PERSONAL GUARANTEE (CO-ENDORSEMENT)          

            MISCELLANEOUS

            VALUATION

            EXHIBITS FURNISH REQUIRED

 

APARTMENT LOAN UNDERWRITING GUIDELINES

 

            FEASIBILITY

            LOCATION

            SITE                                                                                      

            IMPROVEMENTS

            LAND VALUE & CONSTRUCTION COSTS

            SOURCES OF INCOME

            VACANCY

            EXPENSES

            APPRAISAL

            MANAGEMENT

            FINANCIAL ANALYSIS

            CREDIT RATING

            RULES OF THUMB

            RATIO ANALYSIS

 

SUMMARY

 

SAMPLE APARTMENT ANALYSIS

 

            PROPOSED

            COST ANALYSIS

            ECONOMIC ANALYSIS

            RATIO ANALYSIS

            INTRODUCTION TO DEBT-TO-INCOME RATIOS

            INTRODUCTION TO LOAN-TO-VALUE RATIOS

 

Shopping Centers   

 

            LOAN-TO-VALUE RATIO

            RATE

            AMORTIZATION PERIOD

            BUILDING REQUIREMENTS

            LOCATION REQUIREMENTS

            LEASING REQUIREMENTS

            COST STRUCTURING

            EXPENSE STRUCTURING

            UNDERWRITING

 

 

DEFINITIONS

 

            LOCAL OR SPECIALTY SHOPPING CENTERS

            NEIGHBORHOOD SHOPPING CENTERS

            REGIONAL SHOPPING CENTER (MALL)

            PERSONAL CO-ENDORSEMENT

            VALUATION

            EXHIBITS REQUIRED

 

Office-Warehouse  

 

            DEFINITION

            LOAN-TO-VALUE RATIOS

            AMORTIZATION PERIOD

            BUILDING REQUIREMENTS

            LOCATION REQUIREMENTS

            VALUATION

            PERSONAL CO-ENDORSEMENT

            INTEREST RATES

            EXHIBITS REQUIRED

 

General Offices (Multi-Tenancy)

 

            LOAN-TO-VALUE RATIO

            RATE

            AMORTIZATION PERIOD

            BUILDING REQUIREMENTS                                             

            LOCATION REQUIREMENTS

            VALUATION

            PERSONAL CO-ENDORSEMENT

            LEASING REQUIREMENTS                                               

            EXHIBITS REQUIRED                                                        

 

Medical Office Buildings   

 

            DEFINITION

            LOAN-TO-VALUE RATIO

            RATE

            AMORTIZATION PERIOD

            BUILDING REQUIREMENTS

            LOCATION REQUIREMENTS

            VALUATION

            PERSONAL CO-ENDORSEMENT

            LEASING REQUIREMENTS

            EXHIBITS REQUIRED

 

Mobile Home Parks  

 

            DEFINITION

            LOAN-TO-VALUE RATIO

            RATE

            AMORTIZATION PERIOD

            BUILDING REQUIREMENTS

            LOCATION REQUIREMENTS

            VALUATION

            PERSONAL CO-ENDORSEMENT

            EXHIBITS REQUIRED

 

Hotels and Motels   

 

            LOAN-TO-VALUE RATIO

            AMORTIZATION PERIOD

            BUILDING REQUIREMENTS

            LOCATION REQUIREMENTS

            VALUATION

            PERSONAL CO-ENDORSEMENT

            INTEREST RATES

            EXHIBITS REQUIRED

 

Nursing Homes

 

            DEFINITION

            LOAN-TO-VALUE RATIOS

            AMORTIZATION PERIOD

            BUILDING REQUIREMENTS

            LOCATION REQUIREMENTS

            VALUATION

            PERSONAL CO-ENDORSEMENT

            INTEREST RATES

            EXHIBITS REQUIRED

 

Introduction to Construction Loans  

 

            CHARACTERISTICS OF A CONSTRUCTION LOAN

            INTERIM FINANCING

            INTERIM-FINANCE LOAN TERMS

            APPLICATION PROCEDURES FOR CONSTRUCTION LOANS

            SOME ELEMENTS TO BE INCLUDED IN THE LOAN PACKAGE

            DOCUMENTATION

            LOAN PROCESSING

            ANALYSIS OF THE CONTRACTOR

            DISBURSEMENT OF CONSTRUCTION LOAN

 

Interim Loan Underwriting  

 

BASIC LOAN CHARACTERISTICS

 

LAND DEVELOPMENT LOANS

 

            EXHIBITS REQUIRED

 

CONSTRUCTION LOANS WITHOUT PERMANENT COMMITMENT

 

            EXHIBITS REQUIRED

 

CONSTRUCTION LOANS WITH PERMANENT

COMMITMENT

 

            EXHIBITS REQUIRED

 

THE INTERMEDIATE TERM LOAN OR "MINI-PERM"

 

 

C H A P T E R   F IVE

 

REAL ESTATE FINANCING AND FUNDAMENTALS OF INVESTING

                                                                                   

Real Estate Financing

    

          the loan process

            Lending Laws

            sources of funds

            classification of mortgages

            MORTGAGESTYPES OF PROPERTY PLEDGED

            WHY QUALIFY THE BUYER?

            lend a hand with paperwork

            follow up the loan process

           

Fundamentals of Investing

 

            What Is Return?

Risk and The Risk‑Return Trade‑off

What Are The Types of Risk?

 

Housing: The Cost Of Shelter

 

Investing in Real Estate

 

What are Real Estate Investment Trusts (REITs)?

                        How Do You Determine Cash Flow For Real Estate?

            How Do You Value An Income Producing Property?

            Should You Use Leverage When Investing In Real Estate?

 

Appendix

 

  • Useful websites
  • credit reporting agencies

Glossary

Business Management and Organization Course 25 Home: https://www.cpethink.com/practice-management-cpa-courses
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