| Commercial refinance lending and commercial real | | | | Now is the time for property owners and banks to |
| estate is headed for a bailout, possibly a "TARP 2.0". | | | | execute a plan for commercial loan workout to |
| There is crisis building in the commercial Real Estate | | | | resolve current loans coming due. The issue for most |
| market and commercial mortgage refinance. First, a | | | | property owners is not the ability to make the |
| very small market exists to refinance commercial | | | | payments rather it is the ability to refinance with the |
| loans. Secondly, the underwriting standards have | | | | current lender, another lender. |
| tightened. Finally, the Obama policies are scaring away | | | | During the looming trillion dollar financial crisis, refinance |
| investors. | | | | commercial property will become more difficult if not |
| With around $1 trillion coming due in the next four | | | | impossible. During and after a meltdown all the rules |
| years, there will be plenty of borrowers won't be able | | | | change and bank become afraid to lend. |
| to refinance. With all these loans coming due, we are | | | | Best thing to do is to refinance commercial property or |
| headed for another government bailout. | | | | get a commercial loan review and restructure your |
| A bailout only hurts commercial real estate as it | | | | loan ahead of the pending storm. Lower your rate, |
| devalues the dollar. China and other big foreign | | | | extend the term or get interest only payments (very |
| investors are only going to shy away from the market | | | | attractive to commercial banks) If you get in line behind |
| if they feel the dollar will further devalue. In addition, | | | | the other trillion dollars of commercial loans coming due |
| capital from American companies is going to flow | | | | conduits may be gone and a commercial mortgage |
| oversees as they want to buy assets valued in | | | | backed securities may be all but shut down completely. |
| non-dollar currencies. | | | | |