Real Estate And Finance

[Denisha Simcoe]

TheCharities Bureau is responsible for supervising charitable organizations to protect donors and beneficiaries of those charities from unscrupulous practices in the solicitation and management of charitable assets.

The Civil Rights Bureau works to promote equal justice under law and seeks to enforce the civil rights of all New Yorkers. The bureau enforces laws that protect all New Yorkers from discrimination on the basis of race, color, national origin, sex, religion, age, marital status, sexual orientation, gender identity, military status, source of income, or disability.

The Environmental Protection Bureau plays a central role in protecting New York's environment and public health. With a staff that includes some 40 lawyers and 10 scientists, the bureau vigorously enforces both the state's and the nation's environmental laws. It also represents the State of New York in legal matters related to the environment.

The Hate Crimes Unit works with the Civil Rights Bureau to investigate bias-based acts of violence or intimidation. The unit can bring civil actions when someone has harmed another person or violated their civil rights because of their race, color, national origin, sex, religion, age, marital status, sexual orientation, gender identity, military status, source of income, or disability.

The Health Care Bureau assists patients who have problems accessing health care or getting insurance coverage. We investigate businesses that may be operating illegally. If we find that a business is violating the law, we get remedies for New Yorkers, including refunds and changes in behavior. Our Health Care Helpline, which handles over 4,000 requests for assistance each year, helps patients obtain coverage and resolve their problems with insurance companies and health care providers.

The Housing Protection Unit investigates landlords, brokers, real estate agents, and others for violations of federal, state, and local law regarding housing. The unit brings enforcement actions to protect tenants and ensure safe housing throughout the state.

The Attorney General is responsible for the regulation of public offerings of real estate securities in or from New York pursuant to Article 23-A of the New York General Business Law. This includes the regulation of the offer of syndications and cooperative interests in realty, such as cooperatives, condominiums, timeshares, homeowners associations, and senior living communities. The Attorney General also regulates the conversion of rental buildings to condominiums and cooperatives and the initial offer of certain affordable housing developments. The Attorney General also ensures that all broker-dealers of real estate securities register with the Attorney General.

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Whether you're looking to purchase a home or invest in commercial properties, understanding the basics of real estate finance is essential for success. An exciting, challenging line of business, real estate finance involves the analysis, planning and management of financial resources related to commercial and residential loans and properties. This post provides an overview of several key topics and concepts, from valuation methods to careers in real estate finance.

Real estate finance is a branch of finance that focuses on how people purchase real estate, whether that be a home, an office building or a plot of land.1 This area of finance involves the analysis, planning and management of financial resources related to real estate, commercial loans and properties. It also includes financial processes around real estate, such as acquisition, development, construction and operation of commercial and residential properties.

Commercial and residential properties are two main types of real estate. While both types of properties share some similarities, there are also significant differences between them that make them distinct from one another.

Commercial real estate refers to properties that are primarily used for business purposes.2 This includes office buildings, retail spaces, warehouses, industrial buildings and land zoned for commercial use. Commercial properties are often owned by businesses, or real estate agents, investors or developers who lease or rent the property to tenants.2

Commercial properties require a significant investment upfront, as they are often more expensive than residential properties. Commercial real estate investors and developers often need to borrow money or secure real estate financing to purchase or develop commercial properties.

Residential real estate refers to properties that are used for living purposes, such as single-family homes, apartments, condos and townhouses.5 Residential properties are typically owned by individuals or families who either live in the property or rent it out to tenants.

Residential properties are valued through three main types of valuation, including fair market value, appraised value and assessed value.6 Each valuation type is tied to a different function. For example, fair market value is used to price a home to prospective buyers. It looks at factors like location, size, amenities and the condition of the property in comparison to similar homes in the same area.5 The appraised value must be calculated by a licensed appraiser and is typically used for borrowing to purchase a home or when refinancing a home. The assessed value is determined by the local county tax assessor in order to collect the appropriate amount of property taxes.

Real estate finance professionals play an important role in helping both individuals and businesses obtain loans or other forms of real estate financing from banks, mortgage lenders or other financial institutions. To pursue a career in this field, a degree in finance, real estate or a related field is typically required, along with relevant experience and industry certifications.

A real estate analyst provides financial analysis for investment opportunities, evaluating the potential risks and returns of a project or property.8 They gather data and create financial models to help guide investment decisions based on market trends and economic conditions.

A real estate investment analyst prepares underwriting of properties using projections, market research and financial statements.10 Using this data, they assess risks in order to make recommendations to potential investors.

A real estate asset manager manages and maximizes the value of a portfolio of properties on behalf of an investor or company.14 They develop strategies to increase revenue and reduce costs, monitor performance and oversee property maintenance and improvements.

The Online MSF is designed for working professionals and features a comprehensive curriculum that will hone your competitive edge in many business areas, from corporate finance to financial planning and beyond.

Take a deeper dive in real estate with two courses focused on real estate finance and investment. In your real estate finance course, you will learn about a wide range of real estate topics, from understanding the home buying process to programming complex mortgages. In your course on real estate investments, you will improve your understanding of the real estate asset class.

Goodwin's global Real Estate Finance team guides clients through the many financing opportunities available within dynamic credit environments. Possessing extensive experience in across economic cycles, our lawyers are active market participants and understand the complexities present in both existing and proposed capital structures, and the varying motivations of the decision-makers involved.

We represent funds, borrowers, operators, developers, purchases, sellers, sponsors, investors, institutional investors and advisors, investment managers, and lenders (including Pfandbriefbanks and real estate debt funds) in a wide range of financing transactions across all asset classes, including:

According to the Association of Real Estate License Law, or ARELLO, there is an estimated two million active real estate licenses in the United States. With so much competition in the industry today, realtors are under pressure to constantly strive to improve their understanding of real estate law, trends, and best practices.

While much of this knowledge will come with experience, practice, and patience, there are various online courses that can break down real estate finance on a very granular, understandable level. Follow along as we break down real estate finance, and discuss ways in which you can further your real estate education to break away from the growing industry competition and better serve your clients.

Real estate finance describes, explains, and encompasses the various methods in which individuals intend to purchase a home, plot of land, or other type of property. Unsurprisingly, the vast majority of Americans require loans when purchasing a home. These loans, and the terms that come with them, are often overwhelming and confusing for homebuyers.

The goal of this real estate finance courses is to ensure that all agents that complete the training are more knowledgeable when it comes to the financial side of real estate. This is often an aspect of the industry that many shy away from due to its complexity.

Continuing Education, also known as CE, is essential for real estate agents to stay up to date on the latest law, policy, regulation, and best practice changes that impact their specific state. Since states are permitted to administer and oversee their own real estate commission, each state varies when it comes to CE requirements.

CE training packages also help agents expand on the knowledge that they learned throughout their pre-license training, and help clarify some confusing topics they may have encountered while practicing as an active real estate agent.

Apollo Commercial Real Estate Finance, Inc. is a real estate investment trust that primarily originates and invests in senior mortgages, mezzanine loans and other commercial real estate-related debt investments collateralized by properties throughout the United States and Europe. We offer financing across a broad spectrum of commercial property types and geographies and at all points within a property's capital structure. Our ability to underwrite and structure complex transactions enables us to customize creative capital solutions for commercial real estate owners. As of March 31, 2024, our diversified loan portfolio had an amortized cost of $8.3 billion.

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