2021 NBA OFFSEASON THREAD: Media Day...SHENANIGANS

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Let me know if you need a place to stay while you look for a house. I got a guest house for you to stay in. I just gotta evict BIG LEEMELONE BIG LEEMELONE
Naw I feel like BIG LEEMELONE BIG LEEMELONE hip to Squatters Rights…bet yo already repainted and put hardwood floors in for the dice games and strippers , no roommates since my bro wavycrocket wavycrocket so that wouldn’t work
 
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Lamar Jack still ain’t vaxed after getting COVID twice…He playing with his health and Ravens gon lose at least 2 games cuz yo out for that :smh:

Yeah it's one thing for Cole Beasley to miss time but your starting QB who is basically your entire offense especially in Lamar's case it's a whole other issue.

Could basically derail the entire season if he misses time due to COVID.

People in New England itching to give Mac Jones the reigns but COVID Cam doing foolishness like he's indispensable.
 
It’s all private companies, they set the rules so yea if you don’t wanna get the shot it’s gon be consequences…Thats for any non govt job in this country so it’s all the same in this sports/office job scenario
Big facts. I know some people at my job who for one reason or another aren't getting it and I just don't want people doing the Pikachu shocked meme when come November they get fired.
 
Let’s say I hit you up for a NT loan to buy a house in Malibu, what’s the approximate % …Or Inglewood for $500k / Santa Monica for $2 Milly

So, you have a few things mixed up here. Are you talking about the creditor or the debtor?

In your scenario, you would have to go to an investment bank (sell-side) for a loan or maybe someone from the IB has come up to you to solicit an acquisition. They basically run their financial models to determine your credit worth, economic outcomes and calculate their financial gains from the transaction. They base the loan rate on several factors (eg. type of loan facilitation, utilization, associate fees, term of debt repayment length etc). All this is based on standardized interest rates set by IBOR (Interbank Lending Rate). It's not as simple as buying a crib for $500k with a 30-yr fixed rate @ 3.25%. There's several different loans a PE firm takes on during an acquisition. But, usually the length of time a PE firm will hold onto an investment holding would generally be anywhere from 5-7 years holding period. An LBO (leveraged Buy Out) model will walk you through this in detail. Ideally, your IRR (Internal Rate of Return) would be 22-25%. Obviously, most acquisitions fall short of this, as well are significantly surpass it.

Now, from the Private Equity perspective (Buy-side), you're using tons of leverage (debt) to make these acquisitions. You run your own models to gauge what your economic obligations will be for the transaction and what your expected returns will look like. But at the end of the day, you're ultimately the borrower. This is what I do for a living. My firm invests in companies (usually small-cap), we help them grow and develop. Usually we target growth sales, or eventual IPO maturations. These are the divestitures we're principally focused on.

antidope antidope works for the Investment Bank I used to work for and started my career in as an Analyst for TMT Investment Banking. We have a lot of transactions as his bank is the left-lead (main creditor) for most of our acquisitions. He could probably give you a better idea of what their practices are, from an internal perspective.

But, if I had to make a guess...PE firm makes an acquisition for let's say $3b. At the end of it all, the Investment Bank will come home with close to $30-50m in fee revenue generation.
 
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So, you have a few things mixed up here. Are you talking about the creditor or the debtor?

In your scenario, you would have to go to an investment bank (sell-side) for a loan or maybe someone from the IB has come up to you to solicit an acquisition. They basically run their financial models to determine your credit worth, economic outcomes and calculate their financial gains from the transaction. They base the loan rate on several factors (eg. type of loan facilitation, utilization, associate fees, term of debt repayment length etc). All this is based on standardized interest rates set by IBOR (Interbank Lending Rate). It's not as simple as buying a crib for $500k with a 30-yr fixed rate @ 3.25%. There's several different loans a PE firm takes on during an acquisition. But, usually the length of time a PE firm will hold onto an investment holding would generally be anywhere from 5-7 years holding period. An LBO (leveraged Buy Out) model will walk you through this in detail. Ideally, your IRR (Internal Rate of Return) would be 22-25%. Obviously, most acquisitions fall short of this, as well are significantly surpass it.

Now, from the Private Equity perspective (Buy-side), you're using tons of leverage (debt) to make these acquisitions. You run your own models to gauge what your economic obligations will be for the transaction and what your expected returns will look like. But at the end of the day, you're ultimately the borrower. This is what I do for a living. My firm invests in companies (usually small-cap), we help them grow and develop. Usually we target growth sales, or eventual IPO maturations. These are the divestitures we're principally focused on.

antidope antidope works for the Investment Bank I used to work for and started my career in as an Analyst for TMT Investment Banking. We have a lot of transactions as his bank is the left-lead (main creditor) for most of our acquisitions. He could probably give you a better idea of what their practices are, from an internal perspective.

But, if I had to make a guess...PE firm makes an acquisition for let's say $3b. At the end of it all, the Investment Bank will come home with close to $30-50m in fee revenue generation.
I appreciate the knowledge but still don’t know the answer to a monthly payment for a house in LA :lol …It’s all cool tho, I’ll give my business to the Cavs and Rocket Mortage I guess :{
 
I appreciate the knowledge but still don’t know the answer to a monthly payment for a house in LA :lol: …It’s all cool tho, I’ll give my business to the Cavs and Rocket Mortage I guess :smh:

That's easy the answer is too much. Move to the South and live like a king.
 
I appreciate the knowledge but still don’t know the answer to a monthly payment for a house in LA :lol: …It’s all cool tho, I’ll give my business to the Cavs and Rocket Mortage I guess :smh:

Totally different types of loan acquisitions playa. In the grand scheme of things, it usually kind of looks the same, in nature and function, but not all that same.

For your situation, I'd guess it depends on your credit history and who your lender is. If you're a prime borrower, I'd guess a $500k house with 20% down, and no PMI would run you close to 2.5-2.75%.

For a $500k crib in LA, with a 30-yr fixed @2.5, with 20% down and no PMI you're looking at a monthly payment of $2300/month. Or around that ballpark.

There's a real estate thread in General you should hit up. People in there are way more up to date with personal mortgages than I am.
 
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I appreciate the knowledge but still don’t know the answer to a monthly payment for a house in LA :lol: …It’s all cool tho, I’ll give my business to the Cavs and Rocket Mortage I guess :smh:
its something like $500-600 for every 100k loaned out (varies on your credit )
down payment dont matter towards loan amount iirc (dont hold me to that)

dont live in SM, come to the south bay playa

gonna check out a house in lakewood today. pray for me fellas
 
Totally different types of loan acquisitions playa. In the grand scheme of things, it usually kind of looks the same, in nature and function, but not all that same.

For your situation, I'd guess it depends on your credit history and who your lender is. If you're a prime borrower, I'd guess a $500k house with 20% down, and no PMI would run you close to 2.5-2.75%.

For a $500k crib in LA, with a 30-yr fixed @2.5, with 20% down and no PMI you're looking at a monthly payment of $2300/month. Or around that ballpark.

There's a real estate thread in General you should hit up. People in there are way more up to date with personal mortgages than I am.
To add onto this based on what you've been posting, if this is going to be an investment property (you not living in it) there's typically a rate premium associated with that
 
its something like $500-600 for every 100k loaned out (varies on your credit )
down payment dont matter towards loan amount iirc (dont hold me to that)

dont live in SM, come to the south bay playa

gonna check out a house in lakewood today. pray for me fellas

SM is my hometown, but I wouldn’t recommend it to anyone who wasn’t pretty wealthy or is in his/her 20s, single and likes to go out and can comfortably afford the rent (probably with the help of a roommate). Anyone not in those categories can get much better value elsewhere and still be in a nice place in SoCal.

South Bay is great. My brother lives in Wilmington.
 
Believe a decent amount of Lakers in the past used to live in the South Bay. Not sure about these days.
 
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