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Fixed-Rate vs. Adjustable-Rate Mortgages

Fixed-rate mortgages and adjustable-rate mortgages (ARMs) are the two primary mortgage types.

While the marketplace offers numerous varieties within these two categories, the first step when shopping for a mortgage is determining which of the two main loan types best suits your needs.

A fixed-rate mortgage charges a set rate of interest that does not change throughout the life of the loan.

The initial interest rate on an adjustable-rate mortgage (ARM) is set below the market rate on a comparable fixed-rate loan, and then the rate rises (or possibly lowers) as time goes on.

ARMs are typically more complicated than fixed-rate mortgages.

Key Factors that Affect the Real Estate Market

Real estate is one of the most profitable investment opportunities in the US. There are a number of factors that impact real estate prices, availability, and investment potentials. Understanding the key factors that drive the real estate market is essential to performing a comprehensive evaluation of a potential investment.

📍 Demographics – Income and population growth determines the growth of real estate
📍 Interest Rates – Low-interest rates on loans & properties increases investment opportunities
📍 Economy – Economic growth with an increase in income affects the demand for housing
📍 Government Policies – Government policies and subsidies boost demand for real estate
📍 Employment – High employment ratio leads to high property investment capacity

Contact us to learn how we can help you today!
📱 (904) 647-4776

Build New or Renovate? Which one is right for you?

With the current housing shortage, buyers often need to consider both new construction and resale homes to find one that meets their needs.

But there are some pretty big differences between the two, such as…

🕒 Timeframe
📍 Location
🛠️ Maintenance
♻️ Environmental Impact
🏡 Design Style

Whether you’re an experienced investor or just getting ready to buy your first property we’re here to help you get direct access to capital. 📈

Talk to us.
📱 (904) 647-4776

The Numbers

In today’s market house hunters are focused on hassle-free rentals but are trading off the investment of homeownership. 💸

As you can see in the chart the number of built-to-rent homes increased 30 percent from 2019 to 2020. 🏠 🏠 🏠

Today, they make up about 6% of all new homes being built in the United States, and that number is expected to double in the next 10 years.

If you need capital in these changing times. Choose between our 3 programs for a direct and stress-free process:
1️⃣ Small Balance Loans
2️⃣ Bridge Loans
3️⃣ Equity

📱 (904) 647-4776


National homeowner equity is at a record level! 🏠

As home prices grew, so did Americans’ confidence in the housing market, stated by the U.S. News & World Report. By the end of the second quarter, consumer confidence had risen to the highest point since the beginning of the pandemic.

If you’re interested in tapping into your home’s equity, consider taking out a mortgage refinance. A refinance could also help you lower your mortgage payment if you are struggling financially.

Follow the info below to learn how we can help you today!
📱 (904) 647-4776

Why the Need for Commercial Real Estate Bridge Loans in 2019?

Thinking of buying some real estate? The current economic climate might be a bit rough, but we here at Asset Point Capital think now is the best time to get some commercial real estate bridge loans.


According to the latest data, the first half of 2019 saw ten USA-based retailers filing for bankruptcy and closing almost 5.400 stores. Retail sales remained solid throughout early 2019, but debt has been on a steady rise. Mortgage debt, in particular, has reached record-breaking $9.406 trillion. That’s over $100 trillion more than it was in 2009.


Mortgage debt is by far the largest component of any household debt in the USA. In fact, each US citizen spends only 10% of their income on non-mortgage debts, which include student loans and automobiles. According to the Federal Reserve, in 2019, consumer debt is at $4 trillion. Once you do the math, you can see how much money US citizens owe in mortgage debt.


How Can Asset Point Capital’s Loans Help?


Asset Point Capital offers commercial real estate bridge loans, as well as small balance conduit loans. If you consider a bridge loan with APC, you’ll be able to loan anywhere from $500.000 to $10.000.000 with 75% leverage. Each term lasts up to 12 months with options to extend it. Interest is also guaranteed throughout this period.


If you’re unable to get conventional financing but need a long-term solution for your stabilized assets, Asset Point Capital has you covered. We will provide you with small balance conduit loans which we approve based on equity and credit. These loans run from $150.000 to $5.000.000, with leverage going up to 80%. You’ll need a minimum credit score of 620, though no tax returns are required. One small balanced conduit loan can cover different types of assets, including:


  • Multi-family assets
  • Mixed-use assets
  • Mobile home parks
  • Self-storage
  • Office assets
  • Industrial assets
  • Retail assets
  • Automotive assets


The loan doesn’t cover gas stations or hotels.