Andy Jubelt is an experienced developer, owner and operator of commercial real estate, and a Principal at Avant Capital Partners, a real estate investment bank, advisory firm and correspondent lender for several institutional investors.

Avant Capital Partners was featured in the November Edition of the Scotsman Guide in an article titled “The Unsung Value of Energy Retrofits.”  According to the article, energy presents property owners and managers with the single largest operating expense in commercial office buildings. The author maintains that strategic reductions to operating costs through energy efficiency measures don’t only improve the bottom line, but they also develop positive branding of the property and increase occupancy demands.

Current loan underwriting practices provide little incentive for building owners to make their buildings more energy efficient, however. Because the burden of high energy costs often falls on the tenants, buildings with lower utility costs can garner more demand and higher rents, which will increase the property’s net operating income (NOI).

Energy Star, an international standard for energy efficient consumer products, calculates that a 10 percent decrease in energy use could lead to a 1.5 percent increase in NOI — profit that will continue to increase with further savings. There are two options that building owners can take to reduce energy costs in their buildings: low-cost measures and cost-effective investments.

This cost-effective investment strategy requires capital however, and although a market for energy-efficient capital investment has not been developed fully yet, government authorities have started initiatives. One organization in particular, the New York City Energy Efficiency Corp. (NYCEEC), has been established to assist New York City implement its “Greener, Greater Buildings Plan” by helping private building owners get energy-efficient retrofit financing.

Incorporating energy efficiency as part of the underwriting process is expected to take time, however. For now, property owners can seek out public organizations such as New York City Energy Efficiency Corp. (NYCEEC), participate in programs like Property Assessed Clean Energy (PACE) or reach out to private institutions that focus on providing capital for energy- efficiency investments.

Mr. Jubelt’s financing experience includes over $1,000,000,000 of both debt and equity funding from a variety of sources including traditional and private sources. He specialized in creative and innovative strategies to provide value-added services and enhance long-term value for numerous complex transactions. Contact Andrew Jubelt at ajubelt@avant-capital.com or (212) 231-9779 for more information on energy efficiency, finance, and policy.

Andrew Jubelt and Avant Capital Partners provides commercial mortgages for stabilized

and in-transition investment properties nationwide. They offer permanent financing solutions for stabilized assets and bridge or interim loans for properties that are in-transition. Avant Capital Partners originates commercial mortgages nationwide for multifamily, commercial, and bridge loan transactions.

Andy Jubelt has decades of experience working not just with banks but other financial outlets and interested individuals to offer the best options for funding at more attractive rates. This can speed up the time to sale, or improve forecasts on capitalization of earnings due to increased growth possible on "value add" properties that increase in value. Experience in looking for money is the key to Mr. Jubelt’s success in using debt and equity on more than $1,000,000,000 in funding.

Avant Capital offers bridge loans to meet the needs of borrowers purchasing or holding properties that are being repositioned, re-tenanted, improved or otherwise redeveloped, with a clear exit strategy for loan repayment. This lending program offers competitive bridge loan rates, interest-only payments & quick closings.

In the current credit environment, Avant Capital adds value to commercial real estate brokers in a number of ways: Certainty of closing: Avant can provide borrowers with a comfort level about available financing necessary before entering into purchase contracts Avant can provide brokers with preliminary program quotes for all of their listings Partnering with Avant can reduce transaction costs for your clients Partnering with Avant helps provide additional fee income to real estate brokerages Avant Capital Partners can provide both buyers and brokers with peace of mind because both parties can feel comfortable knowing that there is a certainty of execution in the closing of transactions. Please contact Andrew Jubelt at (212) 23109779 for more information about how Avant’s lending platform levels the playing field between commercial real estate broker partners and competing nationwide firms.

Andy Jubelt is an experienced developer, owner and operator of commercial real estate including more than 10,000 multifamily and senior housing units.  As a Principal at Avant Capital Partners, Mr. Jubelt specializes in creative and innovative strategies to provide value-added services and enhance long-term value for numerous complex transactions. Such transactions include:

AVANT Small Business & Owner Occupied Program (SBA-504)

Avant Capital Partners offers mortgages for stabilized owner occupied real estate from $500,000 to $10,000,000 nationwide. This program offers competitive fixed rates for business oriented real estate and high leverage.

What is a SBA 504 Loan?

The US Small Business Administration 504 Loan or Certified Development Company program is designed to provide financing for the purchase of fixed assets, which usually means real estate, buildings and machinery, at below market rates.

Property types under consideration include retail, industrial, office, medical office, dental office, commercial condominium, hotels, self storage, marina, health clubs, funeral homes, movie theaters, grocery stores, convenience stores, gas stations, truck stops, restaurants, banquet halls, auto dealerships, lube & oil change centers, tire care centers auto repair facilities and other special use business oriented real estate.

The following is a standard checklist of items that will be required for underwriting and loan committee:

1. Transaction Information

             Brief Description of Loan Request

•  Loan amount desired?
• Purchase or refinance?
• Purchase Price (if applicable)
• Copies of existing mortgage(s) (if applicable)
• Desired loan term?
• Desired interest rate?
• Other critical information timing/deadlines, property or borrower issues, background, etc.).

2. Property Information

• Property Address
• Property Type Description (square footage, occupancy, year built, number of units, etc.)
• Property History
•  Original purchase price and date acquired
• Total spent on capital improvements since acquisition
• Color photos (exterior and interior) 
• Copy of all leases
• Current rent roll
• If property is owned by a real estate holding company:
• Most recent years tax returns for real estate holding company
• Previous two years’ tax returns for real estate holding company
• Most recent Year-End Financial Statement (balance sheet and P&L statement)
• Previous two years’ Year-End Financial Statements (balance sheet and P&L statement)
• Interim financials (balance sheet and P&L statement)
• Debt Schedule
• Copies of existing third-party reports

3. Business Information

• Business name and description
• Most recent years’ tax returns for business and all affiliates
• Previous two years’ tax returns for business and all affiliates
• Most recent Year-End Financial Statements (balance sheet and P&L statement)
• Previous two years’ Year-End Financial Statements (balance sheet and P&L statement)
• Interim financials (balance sheet and P&L statement)
• Debt Schedule

4. Principal/Guarantor Information (anyone who owns 20% or more of the Business)

• Personal Financial Statement
• Schedule of Real Estate Owned  
• Resume
• Signed credit authorization
• Most recent years’ personal tax returns 
• Previous two years’ personal tax returns

Please contact Andy Jubelt at (212) 23109779 or email Avant Capital Partners at info@avcapital.net to learn more about AVANT Capital’s Premier Conventional and SBA 504 Lending Programs are focused on owner- occupied and investor real estate loans.

There are a number of companies and individuals, like Andrew Jubelt, that offer commercial real estate investing services to lessees, property developers and others. If you are looking to flip a property or get out from an underwater development, here are some key things you should look for before you sign a contract.

Skill in Financing Various Types of Properties 

Most commercial real estate firms can provide financing to cover costs of improving properties or as a stopgap during lease turnovers on properties with strong ratings. However, if you need flexibility or are looking to make significant repairs, funding can dry up quickly.

Investors like Andy Jubelt have decades of working not just with banks but other financial outlets and interested individuals to offer the best options for funding at more attractive rates. This can speed up the time to sale, or improve forecasts on capitalization of earnings due to increased growth possible on "value add" properties that increase in value. Experience in looking for money is also key, and Jubelt has used debt and equity on more than $1,000,000,000 in funding.

In-House Subsidiaries for Property Management 

Working with a commercial real estate developer can open the door to a wide variety of investment opportunities. However, many have to work with outside property management firms, so you have to pay that company in addition to someone like Jubelt and Avant Capital Partners. They have relationships with property managers so that you have one-stop investment options with people who know what properties are worth researching up and down the East Coast.

If you do decide to work with a company that contracts out management services, then be sure to look at what kind of terms they offer to lessees in each contract. The most adept groups are willing to be flexible with tenants on certain aspects of a transaction without affecting the bottom line of investors and property owners.

Experience Turning Around Less Desirable Properties and Complex Transactions

It's a lot easier to make a good property better, but the return on investment can also be a lot lower because of the reduced risk. Top commercial real estate developers know where to find the slightly distressed properties that just need a little bit of work. Along with skills in financing, look for companies that can show examples of improvements that generate dividends for investors.

For most commercial real estate properties, the goal is to have the net operating income (gross income minus operating expenses) positive in the first year, but that might not be possible depending on a number of factors from existing debts to volatility in the local real estate market. Understanding what steps one can take that account for those factors is a key selling point for an investor looking for the best fit.

They should also make sure that whatever plan for development is offered by a company, that it is tailored to their needs and financial capabilities. There are some cookie cutter property investment opportunities, but there can be a significant difference in trying to make them work if you want to cash out after five years or after 10.

Excellent References and Testimonials

As with any major contract or agreement, it is important to find out a commercial real estate firm's track record. While it does not have to be spotless, it helps if the principals can point you to successful projects, happy tenants and/or significant returns on investment. This is especially true for those who deal with complex transactions. If they do not know how to explain what will happen in plain English, you may not be able to make a decision that accounts for any risks or benefits of going down a specific path.

In terms of references, there should also be some among each group of people that a firm works with on a day-to-day basis. That can range from commercial tenants or seniors at a retirement community to investors who help support projects of developers like Andrew D Jubelt. If every stakeholder is satisfied, then it offers a strong likelihood that your own project will have success.

Whether you are a newcomer to real estate investment or a seasoned professional, you will want to be able to bounce ideas off of the firm's principals from time to time. Find out how often you can contact staff and gauge their answers to any initial questions that you may have to see if it fits your personal style before you sign on the dotted line.

Andrew Jubelt is an experienced developer, owner and operator of commercial estate and is a Principal at AVANT Capital Partners. He brings his years of broad based experience to the process of acquisition financing and recapitalization of under-water projects to this real estate advisory firm and lender.

AVANT Capital prefers land entitled for residential-focused, mixed-use developments in gateway markets. Loans are $2M to $10M and 9% to 11% rates. Leverage is between 50% and 60%.

For example, this passed summer AVANT Capital Partners originated a $2.5 million bridge loan, secured by a development site, in Manhattan, New York. The site is approved for the development of a seven-story mixed-use condo building. The 18-month loan carries an interest rate of 10%. The site, located on the Lower East Side, lies on Grand Street, between Orchard and Ludlow Streets.

Construction is expected to commence at the site in the very near future, as approved architectural plans were already in place at the time of the procurement. When completed, the site will have two retail units and 20 residential condo units. The property sits on a 4,369 square foot lot and has rights to construct 18,693 buildable square foot.

Are you interested in securing financing for a stabilized or transitional commercial real estate nationwide? Contact Andy Jubelt at (212) 23109779 or email Avant Capital Partners at info@avcapital.net to learn more about refinancing your commercial real estate.

By definition, money that is invested in a firm by its owners or holders of common stock, but which is not returned in the normal course of the business, is an “equity investment”. Investors recover their investment only when they sell their shareholdings to other investors, or when the assets of the firm are liquidated and proceeds distributed among them after satisfying the firm's obligations.

Although investments on equity don’t give immediate returns, in the long run they are safer bets than many other types of investments.

Many investors, nervous about making poor decisions, are avoiding the stock market entirely. If you are nervous about the stock market, but looking to earn income in today's low-yield environment, you may want to consider this investment strategy by taking a step back into equities.

Avant Capital Partners provides attractive risk-adjusted returns on structured debt and equity investments that provide investors diversification outside the public markets. Qualified investors include:

•  Accredited Investors
•  Family Offices
•  Hedge/Private Equity funds
•  Other Institutional Investors and Advisors

Investing in AVANT Capital Partners equity means that you will own a share of the company, in form stock certificates. Avant Capital Partners’ team of analysts and originators, in conjunction with locally based, affiliated investment sales firms, will work with you to uncover investment opportunities in select markets that provide significant value. The local knowledge and presence of our affiliate investment sales partners can provide you with access to off-market transactions and the on the ground support you need to make investments work.

Contact Andrew Jubelt about how to use AVANT Capital Partners in your portfolio. E-mail him at ajubelt@avant-capital.com or call at (212) 231-9779 for more information.

Andrew Jubelt is an experienced developer, owner and operator of commercial real estate including more than 10,000 multifamily and senior housing units. His experience includes over 25 years of financing, development, ground-up construction and property management of medium to large-scale projects nationwide.

Mr. Jubelt is a principal at AVANT Capital Partners, bringing his years of broad based experience to the process of acquisition financing and recapitalization of under-water projects to this a real estate advisory firm and lender.

AVANT Capital Partners is a commercial real estate lending firm that offers bridge and conventional financing from $500,000 to $30,000,000 nationwide, with an origination and underwriting process that protects the interests of investors, correspondents and partners, while also providing flexible capital solutions to borrowers and referral sources.

This fall, AVANT Capital Partners will start rolling out its “NYC Neighborhood Reports”, serving parties to multifamily deals, as well as industrial and office projects. These reports will include:

•  A map of the neighborhood
•  Income metrics of area residents
•  Data on the value of both condominiums and multi-family units

AVANT also will offer up valuation information, showing an area’s average asking rents and average sales figures, on a per-square-foot basis. This information will likely come from brokers and developers in the various communities, who have agreed to share their opinions on the areas.

At this time, NYC Neighborhood Reports, shares data on approximately thirty portions of Manhattan, and slightly more than thirty areas in Brooklyn. Eventually the report will cover the remaining boroughs — along with Fairfield County, Connecticut, and some of the towns within it, as well as the Gold Coast in Florida.

Understanding a vital need for such reports in the recovering real estate market, the company plans to release two such studies every few weeks, for some time to come.

Andrew Jubelt and AVANT Capital Partners specialize in financing real estate that includes development sites, vacant properties, and those being repositioned. Mr. Jubelt can offer his local expertise helping you and your lender to understand your particular property, expediting the financing process.

For more information about the AVANT Capital, or the “NYC Neighborhood Reports”, contact Andrew Julbelt at ajubelt@avant-capital.com or call at (212) 231-9779.