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re: If you received $500K, how would you invest it?
Posted on 5/14/14 at 11:54 pm to trillhog
Posted on 5/14/14 at 11:54 pm to trillhog
1) what is sub 5?
2) what is a "larger state bank"? 5 branches is mom and pop.
3) what mad men are accepting 3 year term on a 20 year am. You clearly aren't that comfortable with the loan.
4) Mom and pop places are more expensive and usually lack the sophistication and thoughtfulness in deal structure that the big banks have.
5) fun trips?
6) I have never seen a single loan we originated sold off.
I can see your point on the 5 mill threshold, but most majors don't want to deal with anything smaller than 3, unless it's a lead in deal. So the feelings are mutual.
Getting in bed with small banks is a pain in the arse if you outgrow them later.
2) what is a "larger state bank"? 5 branches is mom and pop.
3) what mad men are accepting 3 year term on a 20 year am. You clearly aren't that comfortable with the loan.
4) Mom and pop places are more expensive and usually lack the sophistication and thoughtfulness in deal structure that the big banks have.
5) fun trips?
6) I have never seen a single loan we originated sold off.
I can see your point on the 5 mill threshold, but most majors don't want to deal with anything smaller than 3, unless it's a lead in deal. So the feelings are mutual.
Getting in bed with small banks is a pain in the arse if you outgrow them later.
2
Posted on 5/15/14 at 12:03 am to TheHiddenFlask
quote:
I can get sub 5 all day with 20% down 20 year , 3.5% with a 3 year right now , maybe not Bank of America but plenty of larger state banks.
Without a personal guaranty on the loan and a deposit relationship with the bank? If so that is absolutely nuts. Sure you're a swell guy, but that's just horrible underwriting on their behalf.
Posted on 5/15/14 at 8:55 am to TheHiddenFlask
quote:
1) what is sub 5?
2) what is a "larger state bank"? 5 branches is mom and pop.
3) what mad men are accepting 3 year term on a 20 year am. You clearly aren't that comfortable with the loan.
4) Mom and pop places are more expensive and usually lack the sophistication and thoughtfulness in deal structure that the big banks have.
5) fun trips?
6) I have never seen a single loan we originated sold off.
1. under 5% interest
2. a bank that's regional, not one of the majors
3. 3 years then we refinance or pay it off
4. completely false statement.
5. i get asked by bankers all the time ski, hunt, go eat, they court business.
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