The good thing, though, is that Debt Service Coverage ratio is just one of the many topics discussed at large in Keith Kennedy’s free eBook entitled Commercial Real Estate: Fundamentals of Income Property Lending for Beginners. This eBook provides those with an interest in commercial property lending with the knowledge to enact their dreams of taking advantage of the commercial real estate market, as well as providing a powerful advisor in the process: Kennedy Mortgage Corporation.

However, let us a take a more in depth look at DSCR and how Commercial Real Estate: Fundamentals of Income Property Lending for Beginners can help you take advantage of it.

What is Debt Service Coverage Ratio?

In the world of commercial real estate, the Debt Service Coverage Ratio (DSCR) is becoming the most important ratio among most Income Property lenders. The first Section of Commercial Real Estate: Fundamentals of Income Property Lending for Beginners mentions the implications of overbuilding and high vacancy rates. These factors are making lenders look very closely at the property’s cash flow and ability to service the payments on the loan. The primary way of calculating this ability is the Debt Service Coverage Ratio. DSCR is a way for the lender to ensure that they’ll still receive payments on the loan they gave you, regardless of the economic climate.

The truth of the matter is, lenders want an additional comfort level in case there are any changes in either the Net Operating Income of the property, interest rates, or other economic factors. This is the reason why lenders seldom make a loan with payments in excess of the total amount of the Net Operating Income of the property.

Another fact about the DSCR to note is that it is always expressed in terms of a ratio, specifically to 1.0. Therefore, if a property has a Debt Service Coverage Ratio of 1.30 to 1.0, it means that there is $1.30 of income on the property for every $1.00 of payments. Therefore, it’s easy to see why this ratio is so important, and it is also easy to see why learning how to calculate this ratio is also important.

How Can Kennedy Mortgage Corporation’s Free eBook Help Me With DSCR Calculations?

Keith Kennedy and the team at Kennedy Mortgage Corporation understand that calculating Debt Service Coverage Ratio can be quite daunting to a beginner in the commercial real estate market, and that is one of the reasons why it is covered in their free eBook Commercial Real Estate: Fundamentals of Income Property Lending for Beginners. Aside from providing an in depth explanation of DSCR, Commercial Real Estate also doubles as a comprehensive workbook, with step by step instructions on how to calculate this important ratio, as well as practice questions to help you hone your skills.

Commercial Real Estate: Fundamentals of Income Property Lending for Beginners is like having your own personal commercial real estate coach with you each step of the way, to help you learn the tides of the market, the do’s and don’ts as well as some of Keith Kennedy’s tips on the market, tips that have helped him originate more than one billion dollars in loans to date. And where you need more clarification, as well as professional assistance and a powerful advisor, Kennedy Mortgage Corporation fills that need quite adequately with all our strategic partners.

If you’re looking to take a jump into the commercial real estate market, or you’re just looking to clarify your knowledge and brush up your skills, Commercial Real Estate: Fundamentals of Income Property Lending for Beginners is the eBook for you! It has a treasure trove of knowledge that will help you actualize your dream of becoming adept at commercial property lending, and it’s completely free! You can order the book on our web www.mtgpower.com or e mail us.

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As with everything, it is only through education, knowledge and application of this knowledge that true success can be achieved. This universal principle remains the same with commercial property lending; it is only through effective real estate education that you can make a success of your endeavors in this field. The truth of the matter is that there are not many avenues available for people who want to learn about commercial property lending. The information provided to those eager to learn is either vague or hard to understand, or horribly overpriced. Even the act of helping people learn has become more about making a dollar than the individuals involved. Kennedy Mortgage Corporation and Keith Kennedy have transformed that.

In the most ideal sense, real estate education should be free and imparted by persons who have extensive knowledge of the topic. The benefits of this are obvious; who would take financial advice from someone who doesn’t know what they are talking about? Still, it can be a challenge to find the right advice. Finding free advice can be an even bigger challenge, simply because it is very rare to find individuals and organizations that genuinely have the interests of their costumers at heart.

However, Kennedy Mortgage Corporation has revolutionized real estate education, by introducing the free eBook Commercial Real Estate: Fundamentals of Income Property Lending for Beginners authored by President/CFO, Keith Kennedy. With more than 35 years in the commercial property lending field, the steps and tidbits of advice recorded in this FREE eBook do more than just tell you what’s going on

in the market, it’s a complete educational course complete with workbook-style questions. The fact that this eBook is free to the public, underscores the fact that Kennedy Mortgage Corporation is genuinely interested in the welfare of those interested in learning about commercial real estate lending. The information contained within this book is invaluable, and far outweighs anything published on commercial real estate lending today.

Keith Kennedy has originated over one billion dollars in commercial real estate loans, despite the unpredictable and highly competitive nature of the market. The tips and tricks he used to stay afloat during those tumultuous times are recorded in this free eBook as well, to help educate you on how to make the most of the time you invest in commercial property lending, and how to make a career out of it.

When asked about his motivation for authoring this book, Keith Kennedy had this to say: “Most borrowers own only one or two properties, and when they make a loan it is usually for 10 years. During this time the market changes rapidly and when they need to go back to refinance, they find that the products offered 10 years ago have changed completely. During my 35 years in the business, I have seen many brokers submit loans to me for submission to highly qualified underwriters and lenders. They have no idea how a package should be submitted and what paperwork was required. Nor do they know what products are available for their clients.” It was

from this need that Commercial Real Estate: Fundamentals of Income Property Lending for Beginners was born.

The best part of this eBook, apart from the fact that it won’t cost you a cent to acquire, is that it’s designed for beginners! This eBook isn’t one

designed for those with extensive knowledge of the field, although at least some basic knowledge is required. It’s meant to build your knowledge of the market from the ground up, and provide you with the needed real estate education. Each term used is properly explained, in fact, there’s a whole section dedicated to deciphering the trends in the market, as well as defining all the different terms and phrases used in

this field! There is also a section dedicated solely to the explanation of the different types of lending agencies, their source of funds, their monitoring agencies as well as the indexes they use on their loans. Each page leaves you feeling more knowledgeable. This eBook isn’t vague and abstract; it’s tailored to your needs as an individual, and the information contained within is practical.

Commercial Real Estate: Fundamentals of Income Property Lending for Beginners is more than just an eBook! It’s a eWorkbook, the first of its kind in the commercial real estate field. This book effectively becomes your teacher through its pages, and the knowledge it will impart to you is unparalleled by any other book on the market to date. The fact that it is completely FREE is just an incentive, compared to the invaluable information that it will impart to you.

For more information about Commercial Real Estate: Fundamentals of Income Property Lending for Beginners and how to obtain your free

copy, email us at keith@mtgpower.com. Or visit our website www.mtgpower.com

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With over 35 years of experience and over one billion dollars funded, Kennedy Mortgage Corporation has secured its position as a front-runner in the commercial property lending field. This experience has shaped our company in countless ways, including how we relate to you, our customers. Also, our longevity in the market attests to the reliability of our company in the commercial loan industry. Our reputation is synonymous with consistency.

We know that the needs of every customer is different, and we move mountains to ensure that you leave our offices satisfied. Professionalism is our mandate, and our staff is well-equipped with the knowledge and expertise to ensure that your needs are met, . Our employees at Kennedy Mortgage Corporation have dealt with investors, realtors, brokers, borrowers and real estate companies extensively for decades, and this insight is passed on to our customers in the form of trustworthy market expertise and understanding.

The customer service we provide at Kennedy Mortgage Corporation is superior in the industry, a product of our expertise and longevity in the market. We have the investor connections and the knowledge to provide each customer with a loan placement that is best suited for them. We are able to do creative financing if the need arises. Also, our customer service is shown in the way we constantly communicate with our customers. Kennedy Mortgage Corp values its relationships and strives to provide consistent communication and feedback to all our partners during the loan process.

Kennedy Mortgage Corporation offers more than just optimal commercial property loans and commercial property loan advisory to our clients, we also strive to educate them on the ins and outs of commercial property lending after choosing our service. This way, they are able to make more educated decisions. Email us at keith@mtgpower.com for more information.

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