Advice Pool - Real Estate

Do you remember when real estate financing meant you saved up enough to put 20% down on a house, and then you got a mortgage loan f

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

or the other 80%? Well, you can still do that, but there are many more options now. Here are ten of them.

1. Gifting programs. In

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

Examples of combination products may in

some parts of the country, builders fund foundations that give you a portion of the downpayment, so you can get into a home with as

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

little as 3% downpayment from your own pocket. FHA and other lenders have so far approved of or allowed this.

2. No-doc loans. Th

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

ese and "low-doc" loans, meaning no or low documentation requirements, are back, and you can find them through online banks. These

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

Combination pro

are for those of you with bad credit but 20% to 30% to put down on a home. You don't even have to have a job.

3. FHA loans. The Fa

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

rm Home Administration doesn't actually loan the money, but guarantees your loan for the bank, so they can loan up to 97% of the pu

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

rchase price, depending on the particular FHA program.

4. VA loans. If you have been in the armed services, have a decent job, and

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

can save two or three paychecks, you can probably get a home with a VA loan.

5. Land contract. Also called "contract for sale" an

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

d other names depending on the part of the country you are in, this just means that you make payments to the seller instead of a ba

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

k. It's up to you and them to negotiate downpayment amount, interest rate, and the term of the loan.

6. Seller-carried second mort

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

Following aspects would a

gages. Some banks will allow you to have as little as 5% into a home purchase, but will then only loan you 80%. The seller can take

dd to the challenges in developing combination products:

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

payments on a second mortgage from you for the other 15%.

7. State housing programs. Almost all states have some sort of financin

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

g help in the form of a loan-guarantee program or outright loans for low-income buyers.

8. Family loans. It may not be out of char

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

ity that a brother or a friend lends you the money to buy a home. A 7% return might look awfully good if their money is sitting in

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

the bank at 2%.

9. Manufacturer loans. Some manufactured-home companies are arranging financing with 5% or less down for their buy

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

Professional from academic institutions, pharmaceutical industries, health care indust

ers. They must feel their money is secure, since a good modular on a piece of property is nothing like a mobile home on a rental lo

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

t.

10. Credit cards. This is a risky one, but if you have a low-interest credit card, you can use it to come up with the downpayme

.

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

nt, especially if you can pay it off soon with a coming tax refund, for example. Banks generally won't allow this, but you can comb

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

Companies that provide selfless information through particip

ine this with seller financing.

Are there more ways to approach real estate financing? You bet. This was just to get you thinking

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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