Commercial Mortgage – 5 Factors That Affect Deal Flow

Niagara Falls or babbling brook. How is your flow? How do you get commercial mortgage clients in the door? Do you have the budget and time to undertake a massive marketing campaign? Could experience with multiple property types and applications increase your value to the commercial market? Where are your deals located? How is the market in your area? Is your referral network bringing you enough business? These are all questions you need to consider when you think about how to increase your deal flow.

Of course every commercial loan you work will not close; that is not the reality of the commercial mortgage industry. You need to be in front of the right people at the right time with the right solution to even be considered. Here are the 5 main factors that affect your deal flow which ultimately affects your cash flow. The first step is awareness; knowing what the issues are will allow you to determine a solution. Rate yourself in each of these areas:

-Referrals: Referrals are king in the mortgage industry. This is by far the number one way for a commercial broker to get business. This certainly works well for those that have been in the industry for years and have a large network, but what about those new to the industry? Can you survive waiting on someone to refer you when no one knows you exist?

-Marketing: This is how we let our potential clients know who we are and that we can provide them with a solution for their commercial financing needs. The problem is that there are hundreds of other solutions out there all competing for the same client. Without the budget and knowledge to do it right, it is very difficult to get a good return on your marketing investment.

-Expertise: What you know and how long you have been in the business has a dramatic affect on deal flow. Of course, those that have been in the commercial business for 10 years have a greater client base and referral network. You can’t buy experience, no matter how much you spend, but what you can get is training. Through continuing training, especially at the beginning of your commercial career, you can build the knowledge it takes to get the deals done. Share that knowledge with your potential clients and you have set yourself up as the expert in the field, despite your lack of experience.

-Geography: It is no surprise that by serving a larger geographic area, you will be exposed to more deals. However, without the support of a large national company this is very difficult and potentially cost prohibitive. The downside of most national commercial finance companies is that by bringing the deals to you they will expect something in return. Often a big chunk of your commission. It’s a catch 22, you get more clients, but now you need even more than before just to break even.

-The Market: Some markets are hot and some are cold that is the reality of the industry. If you are only serving a small geographic area and that area goes cold, what do you do? The key is to ensure that your client base is as diverse as possible, not only by location, but by property type and industry.
What to do?

Build your commercial finance business. Start by looking at the percentages that each of the above are contributing to your total deal flow and set targets for the coming year as to what you want the percentages to look like. For example, if referrals now make up 10 percent of your total business, set your targets for 20% next year and establish the game plan to do it.

For marketing, are you tracking a cost per closed loan? Do you know what you’re spending for the revenue you’re generating? Begin to cull out the sources that are not generating the returns you require.

When looking at geography, start to examine how you can expand the markets you serve. This will both increase your deal flow and minimize a downward movement in any one particular market. In effect, it is diversifying your portfolio. Look for a partner that can introduce you to new markets and provide you with lead sources into those markets.

In summary, deal flow in the commercial mortgage industry is driven by your presence. When the market knows you’re there and do quality work, your flow will build exponentially. The next step is to formulate your plan to increase that presence and identify the partners that can help you do it.

How to Find the Right Commercial Real Estate Broker

One of the things that can really catapult your success investing in apartments and commercial real estate is working with the right commercial broker. Finding a great deal is really all about the numbers, and getting more deals across your desk. Working with the right commercial broker will not only save you time, but make you a lot of money by getting opportunities in front of you.

So the question is, “How do you find the right commercial broker?”

I will “bottom line” this for you and make it easy. Make sure you find a broker that does nothing but investment real estate and specializes in it. DO NOT use a broker that is a “jack of all trades,” meaning going from an open house on a Sunday to chatting with you about the 320 unit property on Monday.

You want someone that does nothing but spends time in the investment real estate world.

Why?

The specialized knowledge that a commercial broker has will be able to get you more GOOD opportunities to look at and because they know the market will be able to identify properties that can be very profitable. A good broker can also assist you in developing ways to purchase the property where you are making money at the closing table too. Plus they will help you avoid some of the common investment mistakes, as well.

This, more than any other of my “rules” is violated, and the investors that do violate this many times pay for it too. Make sure that you are not one of them.

Business Meeting Agenda – Valuable Strategies

We will take a look at the agenda for a business meeting. This is the key to an efficient meeting and if badly considered becomes, not only a significant demotivator, but can waste a lot of time.

The meeting agenda:

To start with, you will only need an agenda if a meeting happens. It is simple to begin creating an agenda for a meeting in advance.

The agenda will be circulated at some time to those invited. Mainly for the initial meeting, to fulfill the meeting objectives, make the team as small as required. For regular official meetings the list of attendees should be consistent but could be different for further meetings.

The template:

Many meetings should adhere to a similar style, so employ a template. Features of the agenda might be the following:

Time of the item…

This is the beginning of the agenda item but it may also indicate the duration of the item. This would naturally go into the next item start time. This enables everybody to identify the length of time allotted to the item on the agenda and allows the chairperson to encourage attendees to keep to it.

The time in the agenda should permit an introduction and a review of the discussion at the finish, say 5 minutes in total.

Item title…

It should be included after dialogue and gaining the leader’s (see below) agreement, before producing the agenda. The length of the item should be agreed. Furthermore, the chairperson might ascertain from the leader if there are any expected results that may emerge from the presentation.

Item reason…

This component ought to describe the purpose for incorporating the agenda item and possibly any expected conclusions. This will help concentrate awareness on the major issue and should encourage people to consider it more ahead of the meeting. It enables the chairperson to keep the dialogues on track.

Allowing individuals to reflect more on every item, by illustrating it in this manner, will help to secure added contribution from a broader region than merely from the department of the discussion leader.

The topic leader…

This establishes the person who will guide the discussion of this particular agenda item. The leader has a duty in presenting the argument and defining any conclusion in a summary at the end.

Preparation…

This is an opportunity to determine anything that should be performed before the meeting in support of the agenda item. This is for all attendees and not just for the leader of the dialogue.

Apart from forearming people, and enabling them to effectively contribute in the meeting, it can help to speed up the discussion and thus achieve the outputs for the agenda item more speedily. This can save considerable time and decrease blank and uninterested faces at meetings.

Hence, headings for the agenda template might be ‘time, item topic, purpose, leader and preparation’.

Agenda ideas:

You might want to add additional items to the business meeting agenda apart from the main points for discussion. For example, ‘an introduction’ which could be used to suggest any specific problems but also to reiterate areas of the meeting policy.

You could like to end the meeting with ‘any additional business’. This enables the highlighting of any impromptu concerns but significantly offers a point for the chairperson to thank the attendees for their contribution to the discussions and to agree the date of the next meeting.

Attendee suggestions:

If you must send a replacement, make certain that the chairperson realises it. Offer a justification for your absence and identify any concerns that this action might incur.

If you are unable to turn up, can you present the required data to the chairperson in person? This will guard against using up the time of another person. The chairperson can then introduce the results of the dialogue in the slot for the agenda item.

Make certain that you get a distributed agenda in lots of time to consider additional items in addition to your own.

If you must leave the meeting at a specific time notify the chairperson, who may tell the meeting at the outset, just in case it could influence the presentation of a separate item.

It is just as much the responsibility of the leader of the dialogue to retain focus as the chairperson, particularly when faced with questions that could be wandering from the item purpose. Protracted discussions might be more effectively served by continuing them outside of the meeting.

The leader ought to complete the talk by summing up and spelling out the main points.

When, as an attendee, you are not happy with the format of the meeting, take it up with the chairperson external to the meeting. Don’t disrupt a meeting on a personal campaign.

If you turn up at a meeting go equipped and primed to contribute, and not just on your own agenda topic.

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