Advice Pool - Real Estate

Zero down? Why would a seller want to walk away from closing with nothing? Well, they wouldn't, and that brings up the most important point about real esta

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

te investing with no downpayment: The seller almost always needs cash at closing, but it doesn't have to be YOUR cash.

A Zero Down Example

I'm sel

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

ing a small rental property right now, with payments of $400/month. The buyer has a good credit report, and the $5,000 downpayment covers closing costs and

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

even a foreclosure, if necessary. So at this point, I don't care where he gets the downpayment. A $6000 cash advance on a low-interest credit card for exa

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

ple, would cost him about $135 per month, and give him enough for the downpayment and his closing costs.

In this case, with rent around $600 per month, he

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

would be okay. In some cases, however, that extra $135 might cause negative cash-flow. So be sure that however you do it, the numbers work. By the way, I w

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

ould have set the payments at $350, if he had asked, because it's the price and the interest rate that are important to me.

Other Zero Downpayment Meth

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

ds

While there are sellers (like myself) that are able to offer terms and low downpayments, usually you have to find a way to get at least 70% of the

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

rice to them in cash. Think in terms of how to get a primary loan, then how to raise the money for the remainder. A couple examples follow.

Some banks sti

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

ll do "no doc" loans, meaning they don't require verification of income, source of downpayment, etc. They generally loan only 70% to 80% of the property va

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

ue, but if the seller is willing to take a second mortgage from you for the other 20% to 30%, you are in with no money down. The seller gets 70% or 80% in

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

ash, plus payments for years to come. You'll have two payments, of course, so be sure the numbers work.

You can borrow against your home or other property

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

to come up with downpayment money. If you borrow for a "vacation," and leave whatever you don't spend in your checking account for a while, you can use it

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

without violating bankers rules about borrowing for a downpayment.

Even if you live in a small town, there are usually a few "note buyers." These are inve

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

tors that buy land contracts, mortgage loans and other "notes" at a discount. If a seller takes a purchase money mortgage from you for $100,000, for exampl

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

e, a note buyer might pay him $85,000 for it. So how does that help you or him?

An example: A seller prices his property at $195,000, and expects to sell

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

t for $180,000. You offer $205,000 in the form of a mortgage for $160,000, and another for $50,000. You have arranged for the sale of the first mortgage a

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

closing for $136,000 to a note buyer. The seller gets that cash now, plus payments from you on the second loan for $50,000. Notice that this adds up to $1

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

86,000, which is more than he expected to get out of the deal.

These are just some of the ways you can buy with zero down. Real estate investing is about

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

aking the deal work for all parties. Find a way to get what you want, and get the seller what he wants. That is more important than having big cash on hand

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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Review details about how to create a winning real estate business plan and attracting capital to close the deal. Also using your business plan to help guide the business as it grows and getting help from quailed professionals.

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