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"Tack extra working capital onto your SBA 504 loan and that portion gets charged at prime plus 3% for 25 years. A $100K add-on can cost $400K back." I don't recommend this, but a lot of people do it: taking some extra working capital cash-out when you use the 504 loan to buy a building. That extr...

"SBA loans can beat traditional financing on rate, but there are real tradeoffs: down payment range, collateral, and prepayment penalties." SBA financing can come in with a lower interest rate than a traditional loan. That's the part everyone hears about. What doesn't always get mentioned: down p...

"A 2.1 million dollar apartment property in Fresno, financed with 30% down through Mid Valley Financial. Here's how it came together." Another financing deal in the books. This one's an apartment property in Fresno, $2.1 million, pre-approved and closed with 30% down through Mid Valley Financial....

"An SBA loan to buy commercial property only works if you occupy at least 51% of it yourself. Apartments don't qualify at all." You can only use an SBA loan to buy property if you occupy at least 51% of it with your own business. That rules out apartments and pure investment properties entirely, ...

"There's the SBA 7(a) and the SBA 504, and they're built for two completely different purposes. Here's the difference." Two SBA loan types, two different jobs. The 504 is for when you want to buy a building for your own business to use. You've got to be at least 51% owner-occupied in that buildin...

"Every year I rebuild my business and marketing plan. Here's the guide system I actually use with buyers and sellers." Every year I put together a new Business and Marketing Plan. It tells me what I need to be doing each month, no guessing, no coasting. Underneath that is a whole library of guide...

"We had these apartments listed and sold within a couple of weeks, a great deal for the buyer with only 30% down." We had these apartments listed and sold within a couple of weeks. A great deal for the buyer, who got a little discount on the price and closed with only 30% down. Looking for an apa...

"Gross lease, single net, double net, triple net, modified gross. Here's what each one actually means for what you pay." There isn't just one kind of commercial lease. Here's a full breakdown, down to the subcategories. Gross lease: the landlord covers CAM, taxes, insurance, basically everything ...

"I don't always buy the property myself. Sometimes I lend the money to home flippers instead, and here's how that actually works." I had $25,000. Some people would invest that directly into home flippers themselves. I do it differently. I put my money into Mid Valley Financial, a private lender r...

"Citizenship status is part of SBA loan eligibility. Here's a real story that shows why that requirement matters." Citizenship status is one of the eligibility factors for an SBA loan, and it's something a lot of business owners don't think about until it actually comes up. If you're looking at S...