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Navigating Credit Options for Healthcare Facilities

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This document summarizes an upcoming session on navigating credit opportunities through HUD and SBA financing programs. It provides contact information for various speakers and an overview of their objectives to explain recent legal changes to HUD's LEAN program and SBA financing through case studies and examples. It also outlines key aspects of various HUD and SBA loan programs including purposes, terms, requirements and eligibility guidelines.

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Session # T17: Navigating the Credit Jungle – Opportunities in HUD and SBA Financing May 3, 2011 9:15 – 10:45am Mary Louisa L’Hommedieu, Partner, Dodd, L’Hommedieu & McGrievy Mark P. McGrievy, Partner, Dodd, L’Hommedieu & McGrievy Tim Dixon, Head of SBA Financing, Citizens Bank Susana Araoz, Chief Underwriter, Housing & Health Care Finance
CONTACT INFORMATION Mary Louisa L’Hommedieu Partner Dodd, L’Hommedieu & McGrievy, LLC 25 South Franklin Street Chagrin Falls, Ohio 44022 216-653-0002 Cell: 330-327-3853 [email_address]
CONTACT INFORMATION Mark P. McGrievy Partner Dodd, L’Hommedieu & McGrievy, LLC 25 South Franklin Street Chagrin Falls, Ohio 44022 216-653-0002 Cell: 216-952-0556 [email_address]
CONTACT INFORMATION Susana Araoz Senior Housing & Healthcare Specialist Housing & Healthcare Finance 5404 Wisconsin Ave. 2 nd Floor Chevy Chase, MD 20815 301-634-6829 [email_address]
CONTACT INFORMATION Timothy D. Dixon Chief, SBA Division Citizens Bank 4834 Richmond Rd. Cleveland, Ohio 44128 Phone: 216-514-5431 Fax: 216-514-7015 [email_address]  
OBJECTIVES ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
HUD Financing Susana Araoz, Housing & Healthcare Fianance
Opportunities in HUD financing Presented By: Susana Araoz
FHA (“HUD”) Insured Financing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Financing Purpose ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
FHA Section 232/223(f) Lean Refinance and Acquisition ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
FHA Section 232 Lean New Construction/Substantial Rehabilitation for Healthcare Facilities ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
FHA Section 223(a)7 Refinance of existing HUD debt ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
FHA Program Requirements ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
HUD Timeline ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
CASE STUDY Texas Nursing Home ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CASE STUDY TEXAS NURSING HOME
CASE STUDY Texas Nursing Home ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Recent Legal Changes in HUD LEAN ,[object Object],[object Object],[object Object],[object Object]
Pro’s & Con’s of FHA Financing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],PRO’S CON’S
SBA Financing Tim Dixon, Citizens Bank
NAVIGATING THE “CREDIT JUNGLE” OPPORTUNITES for SBA FINANCING OHCA/OCAL/OCDD 2011 Annual Convention May 2011 Timothy D. Dixon Head of Small Business Administration (W) 216-514-5431 [email_address]
Discussion Topics for Today… ,[object Object],[object Object],[object Object],[object Object],[object Object]
SBA Financing Can Be an Excellent Tool to Navigate Today’s “Credit Jungle” ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
SBA 7a – Program Features
SBA 7A Program ,[object Object],[object Object],[object Object]
Maximum Loan Size ,[object Object],[object Object]
Maximum Guarantees ,[object Object],[object Object],[object Object]
Loan Maturity/Amortization ,[object Object],[object Object],[object Object],[object Object]
[object Object],Maximum Interest Rates Allowed Loan Size Maturity < 7 years Maturity 7 years + $50,000 + 2.25 2.75 $25,000 - $50,000 3.25 3.75 Up to $25,000 4.25 4.75
SBA(One-Time)Guaranty Fee ,[object Object],[object Object],Loan Amount Fee on Guaranteed Portion < $150,000 2.00% $150,000-$700,000 3.00% > $700,000 3.50% > $1,000,000 (for the portion > $1,000,000 only) 3.75% Term 12 months or less 0.25%
Prepayment Penalties ,[object Object],[object Object]
Determining Eligibility – Do We Qualify? ,[object Object],[object Object],[object Object],[object Object],[object Object]
Ineligible Businesses Include… ,[object Object],[object Object],[object Object],[object Object]
Long Term Care Eligibility ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Eligible Passive Company ,[object Object],[object Object]
EPCs and OCs ,[object Object],[object Object],[object Object],[object Object],[object Object]
“ Small” Business Size Standard ,[object Object],[object Object],[object Object],[object Object],[object Object]
Credit Elsewhere Test ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Factors that Demonstrate “Need” ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Personal Eligibility ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Personal Resources Test ,[object Object],[object Object],[object Object],[object Object]
Personal Resources Exemption “ How much cash can I have before I have to chip in?”
Underwriting Considerations ,[object Object]
Credit Underwriting ,[object Object],[object Object],[object Object]
Equity Requirements ,[object Object],[object Object],[object Object],[object Object]
Collateral Requirements ,[object Object],[object Object],[object Object],[object Object]
Guarantees ,[object Object],[object Object],[object Object]
Collateral Supporting Personal Guarantee ,[object Object],[object Object],[object Object],[object Object]
Collateral Supporting Personal Guarantee ,[object Object],[object Object],[object Object]
Use of Proceeds ,[object Object],[object Object],[object Object],[object Object],[object Object]
Eligible Uses of Proceeds ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Ineligible Uses of Proceeds ,[object Object],[object Object]
Real Estate Occupancy Requirements ,[object Object],[object Object],[object Object],[object Object],[object Object]
Refinancing Existing Debt ,[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],Debt Considered Unreasonable
[object Object],[object Object],[object Object],[object Object],Provide a Substantial Benefit
Refinancing Same Lender Debt ,[object Object],[object Object],[object Object]
Refinancing Previous SBA Debt ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Change of Ownership ,[object Object],[object Object]
SBA Express Program ,[object Object],[object Object],[object Object],[object Object]
SBA 504 Program
SBA 504 Program ,[object Object],[object Object],[object Object]
Purpose of 504 loan ,[object Object],[object Object]
Bank Benefits ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Borrower Benefits ,[object Object],[object Object],[object Object],[object Object],[object Object]
504 Program Features
SBA 504 Loan limits ,[object Object],[object Object],[object Object],[object Object],[object Object]
504 Structure Overview Security Standard Financing New Business OR Both New AND   Structure Limited/Special Limited/Special     Purpose Property Purpose Property Bank 1st Mortgage 50% 50% 50% CDC/SBA 504 2nd Mortgage 40% 35% 30% Borrower   10% 15% 20%
Standard Financing Structure ,[object Object],[object Object],[object Object]
New Business or Special Purpose ,[object Object],[object Object],[object Object],[object Object],[object Object]
New Business and Special Purpose – cont’d ,[object Object],[object Object],[object Object]
The Bank Loan - Terms ,[object Object],[object Object],[object Object],[object Object],[object Object]
The SBA Debenture - Terms ,[object Object],[object Object],[object Object],[object Object]
Borrowers Equity Injection ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
SBA 504 Typical Loan Fees ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
SBA 504 Debenture Interest Rate ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Effective SBA Debenture rates
Determining Eligibility ,[object Object]
Operating Business ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Size Eligibility ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Eligible Uses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Economic Impact ,[object Object],[object Object],[object Object]
Ineligible Uses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Ownership eligibility ,[object Object],[object Object],[object Object],[object Object],[object Object]
Collateral Requirements ,[object Object],[object Object],[object Object],[object Object]
Occupancy Requirements ,[object Object],[object Object],[object Object],[object Object],[object Object]
Standard Debt Refinancing Provisions ,[object Object],[object Object],[object Object]
Standard Debt Refinancing Provisions ,[object Object],[object Object],[object Object],[object Object]
Standard Debt Refinancing Provisions ,[object Object],[object Object],[object Object]
Standard Debt Refinancing Provisions ,[object Object],[object Object],[object Object]
Special Debt Refinancing Program
Special Refinance Program ,[object Object],[object Object],[object Object]
Special Refinance Program ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Special Refinance Program Eligibility ,[object Object],[object Object],[object Object],[object Object]
Special Debt Refinance Program Eligibility-cont. ,[object Object],[object Object],[object Object],[object Object]
Special Debt Refinance Program Eligibility-cont. ,[object Object],[object Object],[object Object],[object Object]
Special Debt Refinance Program Eligibility-cont. ,[object Object],[object Object],[object Object],[object Object],[object Object]
Special Debt Refinancing Program - Debt Structure and Lien Position ,[object Object],[object Object],[object Object],[object Object],[object Object]
Special Debt Refinancing Program - Restrictions ,[object Object],[object Object],[object Object],[object Object]
USDA
USDA Program Features ,[object Object],[object Object]
Eligibility ,[object Object],[object Object],[object Object]
ELIGIBLE BORROWERS ,[object Object],[object Object]
INELIGIBLE BORROWERS ,[object Object],[object Object]
ELIGIBLE LOAN PURPOSES ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
INELIGIBLE LOAN PURPOSES ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
RATES & TERMS ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
PERCENTAGE OF GUARANTEE & FEES ,[object Object],[object Object],[object Object],[object Object]
CREDIT REQUIREMENTS COLLATERAL ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
CREDIT REQUIREMENTS - EQUITY ,[object Object],[object Object],[object Object],[object Object]
CREDIT REQUIREMENTS (OTHER) ,[object Object],[object Object],[object Object]
LOAN PROCESS ,[object Object],[object Object],[object Object],[object Object],[object Object]
APPLICATION ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
LOAN PROCESS ,[object Object],[object Object],[object Object],[object Object],[object Object]
Navigating The “Credit Jungle” Summary ,[object Object],[object Object],[object Object]
Housing & Healthcare Finance Senior Housing & Healthcare Specialist Housing & Healthcare Finance, LLC www.hhcfinance.com Susana Araoz Elan Magence 5404 Wisconsin Ave. 8320 Skokie Blvd 2 nd Floor Skokie, IL 60077 Chevy Chase, MD 20815 847-933-9464 301-634-6829 847-679-0088 (fax) 301-841-2304 (fax) [email_address] [email_address]
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Navigating Credit Options for Healthcare Facilities

  • 1. Session # T17: Navigating the Credit Jungle – Opportunities in HUD and SBA Financing May 3, 2011 9:15 – 10:45am Mary Louisa L’Hommedieu, Partner, Dodd, L’Hommedieu & McGrievy Mark P. McGrievy, Partner, Dodd, L’Hommedieu & McGrievy Tim Dixon, Head of SBA Financing, Citizens Bank Susana Araoz, Chief Underwriter, Housing & Health Care Finance
  • 2. CONTACT INFORMATION Mary Louisa L’Hommedieu Partner Dodd, L’Hommedieu & McGrievy, LLC 25 South Franklin Street Chagrin Falls, Ohio 44022 216-653-0002 Cell: 330-327-3853 [email_address]
  • 3. CONTACT INFORMATION Mark P. McGrievy Partner Dodd, L’Hommedieu & McGrievy, LLC 25 South Franklin Street Chagrin Falls, Ohio 44022 216-653-0002 Cell: 216-952-0556 [email_address]
  • 4. CONTACT INFORMATION Susana Araoz Senior Housing & Healthcare Specialist Housing & Healthcare Finance 5404 Wisconsin Ave. 2 nd Floor Chevy Chase, MD 20815 301-634-6829 [email_address]
  • 5. CONTACT INFORMATION Timothy D. Dixon Chief, SBA Division Citizens Bank 4834 Richmond Rd. Cleveland, Ohio 44128 Phone: 216-514-5431 Fax: 216-514-7015 [email_address]  
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  • 7. HUD Financing Susana Araoz, Housing & Healthcare Fianance
  • 8. Opportunities in HUD financing Presented By: Susana Araoz
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  • 21. SBA Financing Tim Dixon, Citizens Bank
  • 22. NAVIGATING THE “CREDIT JUNGLE” OPPORTUNITES for SBA FINANCING OHCA/OCAL/OCDD 2011 Annual Convention May 2011 Timothy D. Dixon Head of Small Business Administration (W) 216-514-5431 [email_address]
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  • 69. 504 Structure Overview Security Standard Financing New Business OR Both New AND   Structure Limited/Special Limited/Special     Purpose Property Purpose Property Bank 1st Mortgage 50% 50% 50% CDC/SBA 504 2nd Mortgage 40% 35% 30% Borrower   10% 15% 20%
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  • 117. Housing & Healthcare Finance Senior Housing & Healthcare Specialist Housing & Healthcare Finance, LLC www.hhcfinance.com Susana Araoz Elan Magence 5404 Wisconsin Ave. 8320 Skokie Blvd 2 nd Floor Skokie, IL 60077 Chevy Chase, MD 20815 847-933-9464 301-634-6829 847-679-0088 (fax) 301-841-2304 (fax) [email_address] [email_address]

Hinweis der Redaktion

  1. 05/05/11
  2. 05/05/11
  3. 05/05/11