By G G Zerffi

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Return on Investment The Test Workplan Data Analysis Summary Index List Of Figures Figure 1-1 Phases of Real Estate Development Risk Figure 1-2 Real Estate Lending Process Flow Chart Figure 1-3 Optical Illusion Figure 5-1 Simple Return Analysis: A Conceptual Framework Figure 7-1 Flowchart of Real Estate Loan Decision Making Figure 7-2 The Lending Solutions Decision Model Figure 11-1 The Relationship of Construction to Supply and Demand Figure 12-1 Example of a Risk Priority Chart Using Static Risk Analysis Figure 12-2 Example of Dynamic Risk Analysis Figure 13-1 Real Estate Loan Risk Prioritization Figure 13-2 Risk Assessment of One Real Estate Loan Category Figure 13-3 Real Estate Loan Risk Assessment Model Figure 15-1 Overview of the Data Extraction Process Figure 16-1 Possible Trend Curves Figure 16-2 Risk Factor Score Trend Lines for Good and Bad Loans Figure 16-3 Average of Straight-Line and Quadratic Models for Forecasting Risk Factor Scores for Good Loans Figure 16-4 Average of Straight-Line and Quadratic Models for Forecasting Risk Factor Scores for Bad Loans Figure 16-5 Forecast of Loan Performance of Fairmont Development Figure 20-1 Umbrella Decision Tree and Table Figure 21-1 Workflow Model of the Test List Of Tables Table 3-1 Cost Approach Formula for Existing Properties Table 3-2 Market Approach Example for Existing Properties Table 3-3 Useful Data Sources for Income Property Research Table 4-1 Summary of a Construction Cost Breakdown Table 4-2 Example of a Construction Cost Breakdown Table 4-3 Project Cashflow Elements Table 4-4 Lender's Projected Cashflow Statement Table 4-5 Breakeven Occupancy Level Calculation Table 4-6 Calculation of the Breakeven Rental Rate Table 4-7 Breakeven House Sales Price Table 5-1 Lender's Recast of the Borrower's Cashflow Statement Table 5-2 Loan Amortization Schedule, 12% Interest Rate Table 5-3 Cost Recovery Schedule for the Highwood Office Building Table 5-4 Highwood Office Building After-Tax Cashflows Table 5-5 Tax Consequences of Selling the Highwood Office Building Table 5-6 After-Tax Cashflow of the Highwood Office Building Table 5-7 Present Value Analysis of the Highwood Building Table 6-1 Key Ratios for the Lender's Tenant Analysis Table 6-2 Analyzing Cashflows for Tenant Analysis Table 6-3 Analyzing Tenant Cashflows Table 6-4 Cashflow Analysis Good Signals and Warning Signs Table 7-1 Annual Cost of a Watchlist Loan Table 7-2 Annual Cost of a Substandard Credit Loan Table 7-3 1995 Forecast of Troubled Loans Table 8-1 Calculation of Financial Ratios for Borrower Analysis Table 8-2 Relevant Borrower Personal Financial Statement Ratios Table 8-3 Relevant Balance Sheet Questions Table 8-4 Borrower's Personal Balance Sheet Table 8-5 Base Credit Level Example Table 8-6 Comparison of Borrower's Income Statement to Tax Return Table 8-7 Statement of Cashflows from the Financial Statement Table 8-8 Format for Developing a Personal Cashflow Statement from the Tax Return Table 8-9 Property Schedule Table 9-1 Five Formulas for Determining the Correct Loan Amount Table 9-2 Evaluating the Land Price Table 9-3 Loan-to-Hard Cost Ratio Correlation and the Probability of Loan Default Table 10-1 Lender-Required General Contractor Information Table 10-2 General Contractor Numerical Evaluation System Table 10-3 Working Capital and the Daily Cost of Project Delays Table 11-1 Construction's Role in Real Estate Cycles Table 11-2 Field Surveys of the Competition Table 11-3 Example of a Lease Comparison Table 11-4 Example of a Sales Comparison Table 11-5 Market Comparison Report Table 11-6 Reports for Monitoring the Marketing Program Table 12-1 Analyses and Reports Available in a Decision Support Program Table 13-1 Suggested Values for Assessing Real Estate Loans Table 13-2 Comparison of Risk Factor Scores to Industry Standards Table 13-3 Preliminary Summary of Real Estate Loan Risk Factors Table 13-4 Factors Used in the Risk Analysis of Home Mortgage Payment Insurance Table 14-1 Example of Consequence Factors for Real Estate Loans Table 14-2 Example of How to Score a Question on the Real Estate Questionnaire Table 15-1 Real Estate Loan Problem Solving Activities Table 15-2 Example of a Real Estate Loan Assessment Report Table 16-1 Comparison of Least Squares Regression Models Table 16-2 Comparison of Risk Factor Scores to Industry Standards Table 16-3 Identification of Loan Trends for Fairmont Development Table 19-1 Foreclosure versus Deed in Lieu of Foreclosure Table 19-2 Comparison of Chapter 7 and Chapter 13 Bankruptcies Table 19-3 Comparison of Chapter 11 and Chapter 13 Bankruptcies Table 20-1 Study Results of How Word Assessments Correlate to a Ranking Scale Table 21-1 Calculation of Annualized Cost-Benefit Analysis for Study Table 21-2 Cost of Studying the Program for One Year Table 21-3 Test Activities and Time Schedule Table 21-4 Mathematical Formulas Needed for the Test List Of Exhibits 3-1 Income Capitalization Approach Example 4-1 General Submission and Closing Requirements for Permanent and Interim Loans--Project Development 7-1 Study Results: What Is Out of Sight Is Out of Mind 11-1 Elements of Neighborhood Analysis to Pinpoint Loan Threats 12-1 Example of a Decision Support Loan Summary 13-1 Example of a Real Estate Loan Questionnaire 14-1 Executive Summary of the Fairmont Development Loan Request 14-2 Credit Analysis of Fairmont Development 14-3 Fairmont Development Decision Support Summary Sheet 14-4 Example of a Real Estate Loan Scorecard Form 14-5 Example of a Completed Scorecard for Fairmont Development 14-6 Example of a Questionnaire for Fairmont Development 15-1 Example of Business Rules for Question No.

11 of the Real Estate Questionnaire 15-12 Example of Business Rules for Question No. 12 of the Real Estate Questionnaire 15-13 Example of Business Rules for Question No. 13 of the Real Estate Questionnaire 15-14 Example of Business Rules for Question No. 14 of the Real Estate Questionnaire 15-15 Example of Business Rules for Question No. 15 of the Real Estate Questionnaire 15-16 Example of Business Rules for Question No. 16 of the Real Estate Questionnaire 15-17 Example of Business Rules for Question No.

6 billion in 1994, construction and development loans were only $65 billion of this total and remained flat during 1993 and 1994. 1 billion) than in 1994. Some experts believe that banks did not make construction and development loans in an effort to avoid credit risk. Lower returns on bank-owned government securities and investments and the high yields of real estate loans are now pushing banks into making more real estate loans. In April 1995 the OCC established a national credit review committee to investigate banks that they believe are taking excessive risks in consumer and real estate lending.

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A manual of the historical development of art, pre-historic, ancient, classic, early Christian : with special reference to architecture, sculpture, painting, and ornamentation by G G Zerffi


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