The capital expenditure reserve: financing technique for loans on properties with capital requirements

Article Abstract:

The capital expenditure (CAPEX) reserve agreement is an extension of a real estate loan that serves as a supplementary security that provides funds for capital improvements and repairs for the secured property. The CAPEX deposits are utilized to serve as funds for the repair and completion of capital improvements. The legal consequences of CAPEX such as lien priority, loan security, bankruptcy and creditor impact depend on the structure of the CAPEX agreement. The reserve agreement should be based on the purpose and coverage of the CAPEX.

Capital Expenditures Analysis, Management, Capital investments, Secured transactions, Financial analysis, Loans, Capital expenditures

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The expanded cash management agreement

Article Abstract:

A cash management agreement allows lenders to improve their security over nonperforming loans, and not only gives specific protection to the lender, but borrowers also derive benefits. Such an agreement is made once the situation of the loan is deemed to be unsafe, and gives lenders a chance to strengthen their position that may not occur again. Benefits to lenders include making the United States Chapter 11 proceeding a less attractive option for borrowers.

Finance, Mortgages, Default (Finance)

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First-time buyers, immigrants lead home-buying recovery

Article Abstract:

Immigrants are helping to promote a recovery in the housing market, and place a high value on buying a home. The market needs to adapt to serve these clients, by being flexible over issues such as credit history, and by being sensitive to language requirements involved in this market. The market is large, and the future looks promising, but there is a need to get to know the special characteristics of this client group.

Housing, Demographic aspects, Immigrants, House buying, Home buying

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