Commercial Lending Insights: Navigating the Energy Spike & Q2 Financing Strategies
A New Month, and New Headlines.
Successful Closings Are Our Priority
What I do is simple: I connect you to Other People’s Money. If your borrowing is already sorted, you’re ahead of the game. If not, let’s talk. I’m here to be your assistant, your connector, and your go-to to get the deal done.
New to our conversations? Great to meet you. We build roadmaps by talking. Whether it’s a 1031 Tax-Deferred Exchange, an upcoming loan maturity, or a complex property that needs a creative lens—we start with a conversation.
How do we do it?
Call, Message me, or schedule a quick call in my calendar: https://michaelryanassociates.setmore.com/book
Our recent work continues to encompass all things normal and those a bit interesting. What are you working on? If I could solve 1 thing today, what would it be?
Economic & Market Realities
1. The Economy: GDP is holding steady, but we’re watching the “energy tax” from Middle East instability ripple through supply chains.
2. Federal Reserve: Rates are holding in the 3.5%–3.75% range. The “higher for longer” narrative is back as the Fed waits to see if the energy-driven inflation spike is a blip or a trend.
3. Employment: Steady. Unemployment ticked to 4.3%. We are seeing a “sideways” market where retirees and new entrants are roughly equal—very balanced, but tight.
4. Inflation: The March numbers gave us a headline jump to 3.3% YoY, mostly driven by that $115/barrel oil peak. However, core numbers (stripping out energy) are actually showing some cooling.
The CPI: Headline held at 2.4 %, but actually moved up as it was 2.39% to 2.43 %, The Core held at 2.5 %, yet actually eased from 2.5% to 2.46 %.
And, the import prices paid, when oil is removed was up .1 % month over month. Very timid and showing the increases from the tariff hits are rolling off.
5. Commercial Real Estate: We’re seeing a flight to quality. Prime assets are still commanding premiums, while secondary properties are where we’re getting creative with workouts and bridge solutions.
Perspective: Everyone has something to sell. I strive for the “even keel.” Numbers provide the truth, but it takes a professional to provide the interpretation.
Are you in play? Whether you’re chasing value-add opportunities or seeking “mailbox money” stability, kick me an email. If I could solve one financing hurdle for you today, what would it be?
Schedule a call with me: https://michaelryanassociates.setmore.com/book
Spotlight:
1. The 80/20 Rule: In my years in this business, I’ve seen that 80% of volume happens at the extreme tops or bottoms of market swings. Right now, we are traveling sideways. It’s a “slow” market for big institutional players, but for the projects I handle—sub $20M—this is where the real work gets done.
2. The Long Game: Real estate is the surest way to build wealth, but it requires a ten-year vision. Many have “crossed the hill” trying to outsmart a short-term trend. If you’re looking for a steady hand in an unsteady market, that’s where I live.
Some Of Our Services: How We Can Help
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- 1031 Exchanges: They are booming. Contact us before you sell to ensure your capital keeps working efficiently.
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- Maturity Warnings: Loan extensions aren’t the “gimme” they used to be. If you have a payoff coming due, don’t wait. Let’s look at the numbers now.
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- Complex Properties: If other lenders said “no,” we look for the “how.” Whether it’s interest-only or non-traditional tax returns, we structure deals for apartments, industrial, and hospitality that others miss.
Let’s Connect
We’re in the business of building relationships. Our lending partners trust our process, which means smoother closings and better execution for you.
With interest rate shifts and new domestic investment on the horizon, now is the time to position yourself.
If I could solve one financing headache for you today, what would it be? > Call / Text: 408-462-1798 Email: mike@michael-ryan.com Calendar: https://michaelryanassociates.setmore.com/book
Be well.
