Sherman Clay Portland maintains a large inventory of excellent quality pianos that you can rent on a month to month basis.  Most of these pianos are new or relatively new which ensures that you are enjoying your musical experience on a great instrument!

Renting a piano on a month to month basis is quick and easy.  All of our Sales Professionals can assist you with the selection of your piano.  They can also tell you about our “try before you buy” program where the rental fee can be applied toward the ultimate purchase of a piano.  We Understand that some people need time to decide whether owning a piano is in their future. Our rental programs make it easy to have a quality instrument in your home.

Sherman Clay Portland, OR

131 NW 13th Ave.
Portland, OR 97209
877-360-6545

portland_rent_a_piano@sclay.com

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We at Research and Development Tax Credit specialize in analyzing businesses for the missed tax breaks they are entitled to. We offer a comprehensive R&D tax credit claim and advice services. Contact us today to see if your company qualifies for these and other missed tax advantages.

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ABM Mitigation is your personal loan rate modification advocate.

Our team of loan modification professionals and legal staff will work together with your current lender to negotiate on your behalf providing your with financial relief. Allowing you to live in your precious home stress free.

Why ABM Mitigation Corp?

Loan Modification Application

ABM Mitigation Corp. is one of the nations leading firms specializing in Loan Modifications and Loss Mitigation. We are leaders in the nationwide fight against Predatory Lending and Foreclosure. The ABM Loan Modification Team is trained to execute our unique methods and techniques to modify our clients’ existing mortgage, reduce current mortgage rates, negotiate affordable terms and restructure payments with their current lender to provide our client with temporary or permanent financial relief. With a loan modification you can save your home, get back on track with your payments, and avoid the costly expenses of refinancing.

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SourceOne specialiazes in low cost bridge loans for residential
and commercial properties.

As a private-money lender, SourceOne has the ability to process, fund and service loans
in-house, which means less work and frustration for our borrowers and brokers.

Borrow $50,000 to $2 million+

• Close and fund in as little as 24 hours – trustee’s sales handled
• Same day commitments when possible
• Interest-only payments
• Minimum documentation
• Flexible loan terms
• Residential acquisition and refinancing (non-owner occupied only)
• Land acquisition, development and refinancing – raw land to lots
• Commercial property acquisition and refinancing
• Priced from 13% and 2 points

SourceOne Financial has built its reputation by assisting borrowers and investors with fast, simple, honest mortgage solutions. When we commit, you can take it to the bank!

Apply for Loan Online

Why SourceOne Financial?

SourceOne’s “Soft” hard money provides borrowers the following loan advantages:

Minimal Loan Costs:

• No Loan Processing Fees
• No Prepayment Penalties in Most Cases
• No Underwriting Fees
• No Document Preparation Fees
• No Credit Report Fees

Speed & Convenience:

• Fast—Close in as Little as 24 Hours
• Minimum Documentation
• No Credit Reports
• No Income Verification

Flexible loan Terms:

• Interest-only Payments
• No Prepayment Penalties on Most Loans
• Maturity Up to Two (2) Years

4547 South 700 East, Suite 100 Salt Lake City | Utah 84107 | ph: 801-265-1040 | Fax: 801-261-4545 | jeremy@source1.com
© 2009 Hard Money Utah .net

Hard money loan, what is it?

A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by the value of a parcel of real estate. Hard money loans are typically issued at much higher interest rates than conventional commercial or residential property loans and are almost never issued by a commercial bank or other deposit institution. Hard money is similar to a bridge loan, which usually has similar criteria for lending as well as cost to the borrowers. The primary difference is that a bridge loan often refers to a commercial property or investment property that may be in transition and does not yet qualify for traditional financing, whereas hard money often refers to not only an asset-based loan with a high interest rate, but possibly a distressed financial situation, such as arrears on the existing mortgage, or where bankruptcy and foreclosure proceedings are occurring.

Many hard money mortgages are made by private investors, generally in their local areas. Usually the credit score of the borrower is not important, as the loan is secured by the value of the collateral property. Typically, the maximum loan to value ratio is 65–70%. That is, if the property is worth $100,000, the lender would advance $65,000–70,000 against it. This low LTV provides added security for the lender, in case the borrower does not pay and they have to foreclose on the property.

A hard money loan is a species of real estate loan collateralized against the quick-sale value of the property for which the loan is made. Most lenders fund in the first lien position, meaning that in the event of a default, they are the first creditor to receive remuneration. Occasionally, a lender will subordinate to another first lien position loan; this loan is known as a mezzanine loan or second lien.

Hard money lenders structure loans based on a percentage of the quick-sale value of the subject property. This is called the loan-to-value or LTV ratio and typically hovers between 60 and 70% of the market value of the property. For the purpose of determining an LTV, the word “value” is defined as “today’s purchase price.” This is the amount a lender could reasonably expect to realize from the sale of the property in the event that the loan defaults and the property must be sold in a one- to four-month timeframe. This value differs from a market value appraisal, which assumes an arms-length transaction in which neither buyer nor seller is acting under duress.

Below is an example of how a commercial real estate purchase might be structured by a hard money lender:

65% Hard money (Conforming loan)
20% Borrower equity (cash or additional collateralized real estate)
15% Seller carryback loan or other subordinated (mezzanine) loan

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  “People look around at the economy, and what they thought were safe and secure positions are no longer safe or secure,” says George Solomon, associate professor of management and director of the Center for Entrepreneurial Excellence at The George Washington University. Solomon saw the number of startups increase during the recessions of 1983 and 2001 and predicts they’ll increase in the current economy as well.

So if you’ve just been laid off or think you’re about to, get inspired by these entrepreneurs who turned their pink slips into a green light to start businesses.

Attitude is Key
No time is ever a good time for a layoff, but for Gadnis, it couldn’t have been a worse time. With a new home and a new baby, losing his job was definitely not part of the plan. However, after receiving the news, Gadnis soon found a business partner, thought up a business name, Forward Hindsight Inc., and registered his new strategy and risk management consulting business all before the day was over.

That was in 2004. Today, Forward Hindsight boasts an impressive list of clients, including Northwest Airlines, and has even expanded into the Middle East and India. In 2008, the Minneapolis-based company made about $3 million in sales, and Gadnis aims to increase that number in the next couple of years.

With extensive experience as former director at United Health Group and head of software development for an e-learning company, Gadnis was equipped with contacts and know-how, but his attitude was the key to getting back on his feet so quickly. Instead of feeling frustrated or incompetent, Gadnis kept his ego in check. “In the past four years, I’ve learned that in addition to a zero basis for fear, you have to have a zero basis for ego,” says Gadnis, 39. “If you have no ego, you can get through any difficult moments.” Now, with a successful business under way, Gadnis has set his sights on a much bigger goal: He wants to be working to solve world hunger full time by the time he’s 45.

Exit Strategy
When Wonacott lost his job in April 2007, he was prepared. He had caught wind of possible cuts and, having been through a layoff before, wanted to be in the driver’s seat this time. He prepared a proposal and, when the fateful day arrived, approached the company’s CEO and vice president of marketing with a deal they couldn’t refuse: He would continue doing their PR work but wouldn’t require the salary or benefits of an employee. They agreed and not only became his first client, but also leveraged their networks to win him two other clients. “I have never professionally been so scared,” admits Wonacott, 36, who, thanks to his courage and a good severance package, was able to walk away from the layoff with the beginning phases of Wonacott Communications LLC, a full-service PR and integrated communications practice in Los Angeles.

After holding several PR positions, Wonacott knew the industry well, but wasn’t so familiar with owning a business. “Going into a position where you don’t have someone else paying you every two weeks, you have to change the way you think,” he says. He had also long relied on having the assistance of IT specialists, HR experts and office managers at his fingertips, but when he went out on his own, those responsibilities fell on his shoulders. To cope, he turned to his network, where he found a friend of a friend who could offer tech support when needed. He also found his business accountant and attorney and got business leads for the first six months.

Now Wonacott is preparing to move into a bigger office space and projects 2009 sales to reach about $500,000. “We’re not huge, and I don’t want to be huge,” he says. “But it’s really gratifying to see that level of both personal and professional success.”

Passion Pays
“Usually people pick something they have a passion for, and that passion gives them a certain set of knowledge,” says Bryan Howe, CEO and founder of business planning firm MasterPlans.com.

In May, when Marchuska fell victim to the financial crisis and lost her job after working in the finance sector for six years, she did exactly that: She went after her passion and started Marchuska, an eco-friendly clothing line in Endicott, New York, with her brother, Justin Marchuska, 35. A few months later, she launched the women’s line Cmarchuska on her own. “I love fashion and have a strong love for the environment,” she says, “so I wanted to figure out a way I could tie that together.”

Never mind that Marchuska had no experience in the fashion industry. She signed up for a sewing class so she could understand what goes into constructing a garment, bought DVDs and books, researched online, met people in the industry and found a pattern/sample maker as well as a Canadian mill that produces organic cotton.

Marchuska started the venture within months of being laid off. She landed her products on the shelves of retailers, developed an e-commerce site and now projects 2009 sales of about $100,000. “Everyone’s feeling the tough times right now,” says Marchuska, 28. “It’s not one industry or one country that’s suffering. But if you’re going to try something and you can afford to, now is definitely the time to go for it.”

When Ashish Gadnis was laid off from his position as president of a Minnesota software development company, he managed to launch his new life before even leaving the parking lot. On the way to his car, he ran into the vice president of operations who had also been let go, and the two decided to start their own business.

The week Jason Wonacott lost his job as director of corporate communications for a Los Angeles online game publisher, he became his own boss and signed on his former employer as his first client.

When news of the Wall Street crash hit every U.S. household, Christine Marchuska felt the effects directly. Working in Manhattan at a major U.S. investment bank, Marchuska saw her layoff as a sign that it was time to become an entrepreneur.

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