Swim Team-(Commercial Lending)

Swim Team-(Commercial Lending)

Course Overview

Participants will learn how to build their "swimming team," navigate the complexities of commercial financing, and cross the finish line to close profitable deals and grow their portfolios to $5 million and beyond.

Module 1: The Starting Line – Understanding Commercial Lending Basics

Objective: Dive into the fundamentals of commercial lending, focusing on multifamily loans and financing for commercial properties.

  • Key Lessons:
    • Types of commercial loans: Multifamily, office, storage facilities.
    • Loan structures: Fixed-rate, adjustable-rate, and bridge loans.
    • Key terms and underwriting criteria: DSCR, LTV, NOI, and CAP rate.
    • Overview of loan providers: Banks, credit unions, CMBS lenders, private lenders.
  • Tools & Resources:
    • Loan comparison templates.
    • Glossary of commercial lending terms.
    • Underwriting calculation guides.
  • Swimming Analogy:
    • The Starting Line: A swimmer’s launch is as critical as understanding the lending environment to gain momentum.

Module 2: Building Your Swim Team – Assembling Your Financial Network

Objective: Develop a strong network of lenders, brokers, and financial advisors to support your commercial projects.

  • Key Lessons:
    • Identifying and vetting potential lenders.
    • Working with mortgage brokers and syndicators.
    • Building relationships with appraisers, inspectors, and attorneys.
    • Networking strategies to expand your team.
  • Tools & Resources:
    • Lender interview checklists.
    • Sample networking scripts.
    • Referral tracking tools.
  • Swimming Analogy:
    • The Swim Team: A synchronized team effort ensures a smooth race—just like having the right financial network.

Module 3: Perfecting Your Stroke – Loan Application & Underwriting

Objective: Navigate the loan application process and understand how to present strong deals to lenders.

  • Key Lessons:
    • Preparing financial documents: Personal financial statements, tax returns, and business plans.
    • Packaging your deal: Rent rolls, market analyses, and operating statements.
    • Key underwriting considerations for different property types.
    • Handling lender questions and objections.
  • Tools & Resources:
    • Loan application templates.
    • Underwriting preparation guides.
    • Market analysis software recommendations.
  • Swimming Analogy:
    • Perfecting Your Stroke: Precision and technique in swimming mirror the importance of detailed and accurate loan applications.

Module 4: The Relay Race – Closing the Deal

Objective: Understand the closing process and how to finalize your loan successfully.

  • Key Lessons:
    • Reviewing and negotiating loan terms.
    • Navigating appraisals, inspections, and environmental assessments.
    • Managing escrow and title processes.
    • Preparing for post-closing obligations.
  • Tools & Resources:
    • Closing checklist templates.
    • Negotiation strategy guides.
    • Sample closing statements.
  • Swimming Analogy:
    • The Relay Race: Handing off smoothly to the next team member—or phase—is essential for closing efficiently.

Module 5: Swimming Laps – Financing Options for Growth

Objective: Explore financing strategies to scale and fund larger or more complex commercial projects.

  • Key Lessons:
    • Refinancing existing loans to unlock equity.
    • Creative financing solutions: Syndications, joint ventures, and seller financing.
    • Alternative funding sources: Opportunity zone programs, tax credits, and grants.
    • Strategies for diversifying your portfolio.
  • Tools & Resources:
    • Refinancing calculators.
    • Joint venture agreement templates.
    • List of tax credit and grant programs.
  • Swimming Analogy:
    • Swimming Laps: Consistency and endurance are key to staying in the race and achieving long-term growth.

Program Features

  • Interactive Case Studies: Real-world scenarios for multifamily and commercial lending deals.
  • Guest Experts: Insights from top commercial lenders and real estate investors.
  • Mentorship: One-on-one sessions with experienced commercial lending professionals.

Program Deliverables

  • Fully developed loan application package.
  • Personalized commercial lending strategy.
  • Financial roadmap for scaling to $5 million in revenue.

Conclusion

The From Zero to $5M Program – Commercial Lending equips participants with the knowledge and tools to secure financing for multifamily and commercial projects. By following the swimming team analogy, you’ll learn how to synchronize efforts, overcome challenges, and achieve your financial goals.