I have over 20 years experience now in purchasing or lending on deeply discounted mortgage notes and foreclosed properties in various states. Some of the deals have been individual homes, and others may have been large commercial mortgages secured by multi million dollar properties.

As I keep writing in my Daily Blogs here, many of the largest lenders in America may be technically insolvent right now. As a result, they need cash anyway possible so they are more willing to deeply discount their existing oustanding mortgage debt (secured by both commercial and residential properties) in order to improve their horrific balance sheets.

In some cases, we may be able to bring in the non-conventional lending options to acquire these deeply discounted mortgages (performing or non-performing) in order to acquire both the subject property as well as the discounted debt simultaneously.

Here is an example:

** Retail Shopping Center: Current Value - $50 Million. Existing mortgage debt with ABC Bank: $35 Million (which may be delinquent, close to delinquent, or the loan is ballooning in the near term).

In this example above, the fictional ABC Bank may be willing to discount the debt to $21 Million (under 45% LTV) now in order to receive much needed cash right now. Our clients may then either refinance or purchase this deal and eliminate $14 Million in debt (while creating $14 Million in equity at the same time).

Isn't this an excellent example of a commercial loan modification program (and/or acquisition deal) which may create instant wealth for whomever is savvy and liquid enough (or who has the great access to 3rd party money like we currently offer our clients) to fund these deals?

The Credit Crisis continues to hurt most people around the world. For those individuals who have the money sources, there may NEVER be a better time to find invesment opportunities for both residential and commercial properties nationwide.