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Real Estate Investors, maybe you know this type. It’s the guy or gal at the local real estate i

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

nvestor club that talks about their latest deal where they bought a house with $60,000 in equit

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

. They bought it and put 100% financing on it, pulling out all their equity in the process as c

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

ash at closing. And you're jealous!?

Come on! You're a real estate investor that understands f

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

nancing and real estate investing. Why are you jealous?

Most of the loan products out there to

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

ay that you can do 100% financing on as an investment property have very, very ugly loans. For

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

example, it might be a variable rate first mortgage for the first 80%--which by itself should r

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

ise a couple red flags.

But the remaining 20% of the 100% financing, is really, really ugly. I

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

've seen loans with rates literally 6 points higher than the first mortgage. Is it worth it to

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

ay 13 to 15% on that extra 20% to pull cash out? Some would say that if you invest that in anot

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

er investment and get a much higher rate of return than the 13 to 15% you are paying, then mayb

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

e. But many investors are using this cash out technique to buy food and pay personal bills.

If

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

this was not bad enough, the loan origination fees and costs associated with getting these loan

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

s are usually very, very high. In recent transaction I saw, the fees were about $10,000.

"No p

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

oblem," says the loan broker, "we can roll into your loan." Great! Let's pay $10,000 in fees an

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

pay 13 to 15% interest on it as well. Not a smart move in all but a few exceptionally rare ins

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

tances.

Try getting a house with 100% financing with a very ugly blended interest rate to cash

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

flow. You end up giving the money back in exorbitant interest, huge up front fees and negative

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

cash flow on the property if you keep it.

So, beware the real estate investor blabber that bra

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

s at your local group about this type of deals. You should know better and hopefully now you do

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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Information on the subtle differences between an authentic Gucci watch and a fake Gucci watch.

When it comes to bankruptcy, there are some repercussions, and one of them is that it can remain on your credit report for a maximum of ten years. Not long ago, it was extremely hard to obtain a personal loan after you have filed for bankruptcy.

As a first time buyer you have taken an important step. You are now clear in your mind about the size, amenities, the type of location, etc of the house you want to purchase. The next step now is to organize the finances for the purchase.

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