The most important item in a commercial loan package.

After all, commercial banks are the only commercial lenders actively funding deals right now at reasonable terms. If the borrower is not making lots of money and if the borrower does not have a lot of cash in the bank, a commercial bank probably won't do the deal.

It is the picture that sells the lender on taking the time to underwrite the deal. So, if you don't have at least one attractive color photograph of the property, don't bother submitting your deal. And make sure you don't submit grainy, out-of-focus pictures taken on overcast days. It is your photograph that sells the lender on taking the time to underwrite the deal. Also, show lots of blue sky overhead because blue sky sells.

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