Special Topics

3 Types of Commercial Loans

3 Types of Commercial Loans DSCR ? A Debt Service Coverage Ratio (DSCR) greater than 1.25x means that the property generates at least 25% more Net Operating Income (NOI) than the annual money required to pay the mortgage (principal + interest). Lenders use this ratio to measure a property's ability to cover its debt and evaluate the risk of default. DSCR = NOI / Annual Debt Service Net...

Urban Underground Drain Systems

          Where two drain system ends up? Storm Drain Pipe ​Purpose: Quickly drains rainwater and melted snow to prevent urban flooding. ​Final Destination: Discharges directly into natural bodies of water (rivers, lakes, streams, or the ocean) without going through a treatment process. ​Key Feature: Because the water is not treated, debris,...

Is it Buyer’s Market? If yes, What will happen?

        What will Happen? What Happens for Buyers: Greater Leverage & Bargaining Power: Instead of facing bidding wars, buyers can offer below asking price or demand price reductions following an inspection. Reappearance of Seller Concessions: Sellers frequently offer financial incentives to close a deal, such as covering the buyer’s closing...

Major Korean Manufacturing Companies in US

                    HanWha Shipbuilding -- Key U.S. Footprint Metrics • Revenue Size: Over $440 Million USD annually via Philly Shipyard operations, with an active target backlog fueled by a massive $2 Billion U.S. naval defense turnaround strategy. • Employment Size: Direct workforce of...

Roofing Styles & Roofing Materials

Residential : Gabled Roof / Clipped Gable Roof Dutch Gabled Roof / Gambrel Roof Hip Roof / Mansard Roof / Shed Roof Commercial : Flat Roof                     Flat Roof Materials Fiberglass GRP Fiberglass flat roofs are also called glass-reinforced polyester (GRP) ($4 -...

Zoning of A/C System is Possible?

        Q: Typical A/C system can have different zoning in a house or building? Yes, a typical air conditioning system can have different zoning to heat or cool separate areas of a building independently. HVAC zoning allows you to divide a home or commercial space into distinct thermal zones, each controlled by its own thermostat. This prevents the...