Sunday, February 9, 2020

Golden InfoNuggets - NOV - CRE, Finance, Business, Tech, Blockchain and AI

BUSINESS, COMMERCIAL REAL ESTATE, FINANCE and TECH GOLDEN INFONUGGETS

We use a powerful method of sharing - post #GoldenInfoNuggets on Social Media multiple times daily or in regular emails (every 5-15 days).  We’ve been sharing the essence of articles and a few powerful comments regularly.* 

Commercial Real Estate, Finance and Business


Matthew Ross (12 years - real estate) for noting EquityMultiple's "CRE CAPITAL STACK WORKINGS - in #CRE transactions, the difference between #equity, #preferred equity, #mezzanine #debt and #senior debt can confuse even savvy #investors, with multiple tranches, arranged in complex waterfall payment structures and return hurdles.  The four components of the capital stack you're most likely to encounter (FINANCEoptions.biz #CRE #Technology #Analysis #AEC #Business #Data #FinTech #PropTech #Research #Expansion #Investment #Startup #STEM #AI #IoT #Blockchain #DataScience #NaturalResources #SubscriptionConsulting (#CaaS); edited - Lnkd.in/dAwriSS):
  • Senior Debt secured by a mortgage or deed of trust on the property itself
  • Mezzanine Debt sits below the senior debt in order of payment priority. 
  • Preferred Equity is perhaps the hardest portion of the capital stack to speak about generally - it's very flexible. 
  • Common Equity is the riskiest BUT most profitable portion of the real estate capital stack. 
Other qualitative and quantitative factors include:
  • #Capitalization Rates
  • #Market
  • Business #Plan
The Capital Stack and Your #Portfolio - understanding the different investment structures across the capital stack is critical to making real estate part of your portfolio." 

See additional education pieces.  Lnkd.in/dveHwXx


The News Funnel for noting CBRE's "#CRE #LENDING INCREASES in 2019Q3 (FINANCEoptions.biz #CRE #Technology #Analysis #AEC #Business #Data #FinTech #PropTech #Research #Expansion #Investment #Startup #STEM #AI #IoT #Blockchain #DataScience #MachineLearning #DeepLearning #Mining #NaturalResources #SubscriptionConsulting (#CaaS); edited - Bit.ly/2r3B41Y):
  • CRE lending activity remains positive according CBRE Lending Momentum Index, which tracks the pace of commercial loan closings in the US, reached a value of 264 in Sept 2019, up 8.2% from June’s close, 5% YoY.
  • Lending activity remains positive, following the Fed's steps to calm financial markets’ [unfounded] concerns over sluggish global economic growth and ongoing trade disputes, with 3 interest rate cuts since Q2.
  • 'Underwriting on loans tracked by CBRE became more aggressive in Q3, marked by declines in underwritten cap rates and debt yields. 
  • The percentage of loans carrying either partial or full interest-only terms rose to 67.9%, a new high.'
  • CBRE’s lender survey indicates that life companies and alternative lenders (includes REITs, finance companies & debt funds) had another strong quarter. While banks’ market share declined slightly, CMBS lenders’ share rose."  Lnkd.in/eA_qDBD

Commercial Property Executive's "PLANNING for PARKING, SOLVING A DEVELOPMENT DILEMMA (FINANCEoptions.biz #CRE #Technology #Analysis #AEC #Business #Data #FinTech #PropTech #Research #Expansion #Investment #Startup #STEM; edited - Lnkd.in/dDsEJqY): 
  • #Stacked Parking, being used in cities like San Francisco, New York City, and growing.  It allows 3-4x (or more) cars per SqFt, at a fraction of the cost of traditional parking, and allowing more rentable space.
  • Cities NOT #Mandating Parking, when within a walkable, transit-oriented development.  
  • Great news for the developer, and we will likely see stringent parking requirements shrink or be eliminated for projects over the next decade or so.
  • Other Strategies: remote parking with a valet; shuttle service from a shared parking lot nearby; other creativity, strategically thought-out and executed."  Lnkd.in/dDsEJqY


McKinsey Global Institute.  "TACKLING #BIAS in #AI (and in #HUMANS) (FINANCEoptions.biz #CRE #Technology #Analysis #AEC #Business #Data #FinTech #PropTech #Research #Expansion #Investment #Startup #STEM #IoT; edited - Lnkd.in/emqeVYw):  
  • AI can help reduce bias, but it can also bake in and scale bias
1. VCs are being pulled apart in 360 degrees2. VCs have to say no all the time, and it wears them down3. Being treated like an authority figure instead of an equal" Lnkd.in/emZQBwi

  • Six potential ways forward in AI systems:
    Underlying data are often the source of bias
  • In order to minimize bias, how do we define and measure fairness?
  • Early technical progress is underway, but much more is needed
  • Human judgment is still needed to ensure AI supported decision making is fair
  • As we raise the bar for automated decision making, can we also hold human decision making to a higher standard?
1. Be aware of the contexts in which AI can help correct for bias plus a high risk that AI could exacerbate bias. 
2. Establish processes and practices to test for and mitigate bias. 
3. Engage in fact-based conversations about potential biases. 
4. Fully explore how humans and machines can work best together
5. Invest more in bias research, make more data available for research, and adopt a multidisciplinary approach.
6. Invest more in diversifying the AI field itself."  Lnkd.in/dvXVeWX



Bisnow - "#ALTERNATIVE #LENDER GROWTH - great to see summaries from conferences, since travel and expenses are 'muy caros!'  (FINANCEoptions.biz #CRE #Technology #Analysis #AEC #Business #Data #FinTech #PropTech #Research #Expansion #Investment #Startup #STEM; edited - Lnkd.in/epFQ3pr):   
  • "Over the past two years, a slew of equity investors and developers have moved into the lending game, looking to capitalize on greater caution from banks as the cycle has kept going.
  • '.... debt returns are better [than equity].' —ACORE Capital
  • Plenty of big developers have started lending, zeroing in on a gap in the market.
  • 'There were a lot of banks that couldn’t handle the [siza] loans,' —Silverstein Properties
  • Many of the players breaking into debt have a wealth of experience.  JLL New York thinks equity players and developers are still prudent in what they are financing, just less restricted than banks."  Lnkd.in/enT7rTw
NFX.  "NON-OBVIOUS #TIPS on #PITCHING [ANYTHING #FINANCIAL (FINANCEoptions.biz for #CRE #Technology #Analysis #AEC #Business #Data #FinTech #PropTech #Research #Expansion #Investment #Startup #STEM #AI #IoT #Blockchain #DataScience #MachineLearning #DeepLearning #Mining #NaturalResources #SubscriptionConsulting(#CaaS); edited - Lnkd.in/eVNupSf]:


  • Include numbers in your sentences
  • Pitching is a full body experience
  • Diagrams communicate 10x more
  • Jump to the screen and [use pointer]
  • Send your Company Brief ahead of time
  • Get there [30-45] minutes early
  • Position well in front of the key audience members
  • Don't talk about your passion - show it
  • Look the part
  • Bring a pen and take notes
  • Only bring your best presenters
  • Make a deck specific to every VC
  • Spend 1/3 presenting, 2/3 asking questions
  • The goal is learning, not closing
  • Know when you're improving or not
  • Understand VC Psychology:






Max Ball for Forbes' "FUTURE #TECH in #CRE TRANSACTION PROCESSES - Successful executives from "Forbes Real Estate Council" share firsthand tips & insights (FINANCEoptions.biz #CRE #Technology #Analysis #AEC #Business #Data #FinTech #PropTech #Research #Expansion #Investment #Startup #STEM #AI #IoT #Blockchain #DataScience #MachineLearning #DeepLearning #Mining #NaturalResources #SubscriptionConsulting (#CaaS); edited; Lnkd.in/ebg4JnZ):
  • Reimagine the #Title Transfer Process - such as #Blockchain.
  • Enhance #Transaction Velocity - and simplify the acquisition and disposition processes, creating a demand for educated practitioners and intermediaries 
  • Faster #Closings - #VR before construction even begins, plus many more mobile apps and tools that facilitate the day-to-day activities of agents.
  • Streamlined #Contracts - and the aggressive commission reductions will make many brokers become obsolete [unless they keep up with the tech].
  • Greater #Transparency - #pricing assets and #decision making.  Lnkd.in/edk2Dq5
  • #Smartphone Decision Making - but moving away from human interaction in favor of digital can hurt #relationships [so put in the extra effort to interact, and use #VIDEO]. 
  • More #OnDemand - #coworking, #coliving and utilizing spaces for short periods for specific purposes. 
  • Increased #Automation - the processes to create a #transaction, with several then and a well-integrated approach [such as #CRECollaborative's well-#Designed, #Integrated #Broker / #Investor / #Developer / #Lender / #ServiceProfessional #Platform.  #FREE ACCESS: Lnkd.in/dedFk_p]. 
  • #Human Element - in this a #relational business and people deal with people they #know and #trust."   Lnkd.in/eAcZDYm





Commercial Real Estate, Technology, Blockchain & AI


Aidan McConnell (6 years - real estate, data science). "THREE CONSTRUCTION TRENDS (FINANCEoptions.biz #CRE #AI #IoT #Blockchain #NaturalResources #Technology #Analysis #Business #Data #Startup #FinTech #PropTech #Research #Expansion #Investment #SmallBusiness #STEM; edited - Lnkd.in/erfi7rB):
  • "High-Rise #Wood Construction, such as cross-laminated timber (#CLT) and glued laminated timber (#glulam) techniques, which transform wood material into slow-#burning, self-#extinguishing support structures that can be used in place of steel or concrete elements.
  • A Safer Construction Environment with #AI to improve security and identify potential problems, such as employees wearing insufficient safety gear or machinery that has been left unattended.
  • Investing for Modern Methods.  New construction methods come with potentially higher risks.  But  there is specific #Finance for projects using alternative materials ranging from #modular construction to #insulated concrete form (ICF)."  Lnkd.in/eR25phu

CRETech. "VENTURE CAPITAL INVESTMENT in CONSTRUCTION TECH (FINANCEoptions.biz #CRE #Technology #Analysis #AEC #Business #Data #FinTech #PropTech #Research #Expansion #Investment #Startup #STEM; edited - Lnkd.in/eetUYQV):
Capital Driving the #ConTech Movement - ao Sept 2019, active investments include:
  • LocateAI, Zesty.ai, Idevelop.city
  • PlanGrid, Rhumbix and Fieldwire
  • StructionSite, Kanler and Builk
  • Airbnb, Handle and Tenderd
  • Construction Robotics and IOTAS.
Construction Technology Sectors

  • Productivity Platforms, such as #BIM and #CAD Software, i.e: Procore Technologies, Autodesk, PlanGrid, Rhumbix and Disperse
  • Construction & Engineering, such as View
  • Modular & Prefabrication
  1. Commercial / Multi-Family, include: Katerra, FullStack Modular and Rize Modular
  2. Residential Housing, include: Plant Prefab and Blokable
  • Other Construction Technologies, such as:
  1. #Drones
  2. #Autonomous equipment
  3. #3Dprinting [note that Saudi Arabia's goal is 25%+ buildings are 3D printed]
  4. #AR and #VR
  • Construction Technology Venture Growth - the future of construction technology looks bright" Lnkd.in/e6HABkZ

Our Business Ladder. "MULTI-#BUSINESS #MANAGEMENT  [We have engaged too many #entrepreneurs managing too many #ventures, acting like a computer/mobile with too many processes going - slow response or full stop.  Some solutions follow, mainly #Document, #Delegate, #Decide (quickly), #Dispose (noise) & #Demand (action).] (FINANCEoptions.biz #Business #Technology #Analysis #AEC #CRE #Data #FinTech #PropTech #Research #Expansion #Investment #Startup #STEM; edited - Lnkd.in/gRhHvK3):  

  • DOCUMENT!
  • Don't #micromanage or #Losefocus
  • Hire a Killer #Team
  • Demand Weekly #Reports from Team
  • Use the Same Physical Location to Run Multiple Businesses
  • Bring the Processes of the Multiple Businesses Together
  • Prioritize Tasks That Needs Your Attention
  • Try Not To Worry About The Small Stuff
  • Bring in Experts to Handle Certain Aspects of Your Businesses [or have experts on retainer such as #SubscriptionConsulting (#CaaS Lnkd.in/eh9r7Ma).]"  Lnkd.in/eVshqfh

Adam Danyal (15 years - tech).  "WIND TURBINE WORKS FROM ANY DIRECTION"  #VAWT (vertical axis) is superior to #HAWT (horizontal wind turbine). (#NaturalResources #Technology #Analysis FinanceOptions.biz #CRE #Business #Data #Startup #FinTech #PropTech #Research #Expansion #Investment #SmallBusiness #STEM #AI #IoT #DataScience - Video Lnkd.in/eHWSW78)
  • More KW per sqft of required footprint, safety and visual appeal; 
  • Less cost/sqft, zoning/ordinance restrictions, maintenance and other life cycle costs; 
  • Works at lower wind speeds from any direction;
  • Greatly reduced danger to birds, drones and small planes;
  • Large-capacity VAWT tech has been around for a decade, just needs implementing at scale."  Lnkd.in/eut_7Jp 


  • Voncelle Volté re 
  • BisNow.  RETAILER SALVATION - not much conventional #CEOs or #CRE #landlords can do to salvage the failing #retail model - needs to be #changed #internally with the Prosper Systems Retail Salvage Plan (FINANCEoptions.biz #Opportunities #Analysis #Business #Data #Startup #FinTech #PropTech #Research #Expansion #Investment #SmallBusiness #STEM #AI #IoT #Blockchain; edited - Lnkd.in/e3jiQR2):
    • Top-notch #service;
    • Creating superior #technology for both the #customer and to help the #associates deliver well;
    • Selling from EVERY online #source available - sell it at retail;
    • The #smarter the products for sale, the smarter sales and support need to be - #retraining
    #Seniors would rather have a #HighTouch, competent and friendly associate take care of their needs, from looking, surfing, buying, accepting and returns.  Online #search engines can be confusing or useless.

    Use the same real estate for #warehousing, and more #services and higher-tech customer service people in a smaller, but compelling service / #showcase area.  

    Landlords will need to adjust, allow and perhaps #facilitate.  Lnkd.in/eSqnT-n


    Mike Maroon (40-years - real estate) and NREI for inspiring PREPPING CRE #CANNABIS PRODUCTION. It has been controversial here in Colorado, but we love the income. (FINANCEoptions.biz for #CRE #Technology #AI #IoT #Blockchain #Analysis #Business #Data #Startup #FinTech #PropTech #Expansion #Investment #SmallBusiness #STEM #DataScience.  #AEC #Lending #Consulting (#CaaS); edited - Lnkd.in/e3qTt8V)

    • Industrial is hot, and there's much space becoming available from poor-service retailers.  
    • To produce #income while waiting on approvals, grow other crops - such as hemp and year-round produce production in warm and cold climates.  
    • Research #VerticalFarming, to see the pros, cons, tips and solid advice, from Farmers, Off-Grid experts and Ag schools.
    • It is a #challenge, but great learning, to grow leafy greens in prep for MJ.
    • MAKE SURE there will be a large market, since for produce, grocery chains are wary of crops grown in cold climates.  
    • Another model is Go Green AgricultureLinkedin.com/company/go-green-agriculture.

    Much more from earlier and originals at our LinkedIn Posts

    Please email the links to your related articles to Articles@ProsperSystems.biz - especially the following headline, the subject of our deepening research.  We'll share them as #GoldenInfoNuggets for our followers, and notify you when we do, so you can re-share and re-mind your followers of your content. 

    USA 302KentonJ (GoogleVoice 302-536-8665 to mobile and Hangouts)


    NOTE:  We do ANALYSIS of Real Estate LEASEES, FINANCING, PROPERTIES, BUSINESSES and STARTUPS, and 
    Prepare then Refer to the FINANCE OPTIONS
    _______
    *GOLDEN INFONUGGETS are: 
    Of those who we've shared, the savvy ones Comment or Share these #GoldenInfoNuggets as additional exposure, as well as serve the community and remind their followers of their wisdom.

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