When a property loan must be repaid, compare the net proceeds of a possible sale with the full cost of continued ownership. Amable Properties recommends including debt payoff, transaction costs and property work in the sale estimate, while the hold case includes new capital, carrying costs and operating assumptions. Use realistic timing and label unconfirmed prices, costs and financing. OCC refinance-risk guidance supplies context for the debt obligation; Don McClain’s comparison addresses the owner’s practical choices. A discussion does not establish a buyer, price or closing date. McClain is author of the forthcoming FUNDED; each transaction requires diligence and agreed terms.
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