Category Archives: Real Estate Loans

Important Things New Property Investors Should Think About

Property investing is unlike any other form of investing. It offers both unique opportunities and challenges you don’t find in securities markets or other types of investments. And because of that, there are things you have to consider with property that don’t come into play elsewhere. We see it all the time, especially when helping […]

Why Residential Investors Should Consider Going Commercial

The majority of our property loans go to investors looking to obtain commercial properties. Residential properties have their attractive points, especially for new investors just getting their feet wet, but commercial property is ultimately where the big money is at. We would encourage you to consider going commercial if all your property investments to date […]

3 Things Every Investor Should Know About 1031 Transactions

A year or so ago, we published a blog post discussing how investors could use hard money loans to complete time-sensitive 1031 transactions. Not much has changed regarding 1031 rules since then. However, the topic deserves to be revisited as we head into another tax season. Known as the 1031 Exchange, a 1031 transaction is […]

Why So Many of Our Clients Invest in Real Estate

It is safe to say that the majority of the hard money loans we make go to real estate investors. Our clients invest in all sorts of property, from multi-family rental units to commercial office buildings. They find real estate lucrative for a variety of reasons as well. As to our part, we are just […]

Why Those ‘Other’ Loans Don’t Work for Property Investors

Hard money and bridge loans are designed for a very specific clientele with somewhat unique goals. For instance, the majority of loans we make go to property investors looking to generate income from commercia real estate investments. A hard money loan is perfectly suited to helping them meet their goals, despite higher interest rates and […]

How Do Hard Money Loans and Mortgages Differ?

The pre-housing-crash hard money industry was known for making all sorts of loans that lenders would never make today. Our industry has changed quite a bit as a result of the aftermath of the crash, especially where the Dodd-Frank Act relates to property funding. Unfortunately, some people still conflate hard money loans with mortgages because […]

The Difference Between Financial Position and Collateral Value

Quite a few things distinguish hard money from traditional bank financing. From the lender’s perspective, the difference between borrower financial position and collateral value is big. In fact, it is the main factor that separates hard money from traditional lending. Hard money lenders like Actium Partners are more interested in collateral than the borrower’s financial […]

Proven Ways to Reduce Risk in Real Estate Investing

Every form of investing has its risks. When you invest in commodities, you take the risk of the bottom falling out on futures. Investing in the stock market carries with it the risk that your chosen companies do not meet performance projections. In real estate, your risks run the gamut from falling property prices to […]

How to Close on a Real Estate Loan in Seven Days or Less

Closing on a real estate loan in under ninety days is unheard of, right? Yes and no. If you are looking at a traditional mortgage from a traditional lender, ninety days would be a reasonable expectation. But there are other real estate loans that can close in seven days or less. These are the types […]