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If you have an existing piece of income producing real estate that you bought within the last couple years, you most likely have a significant amount of equity in that property. Even if you put

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

a traditional 80% mortgage on the property when you purchased you may now have anywhere from 20% to as much as 60% to 70% equity on the property. How do you get that money out and put it to us

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

Examples of combination products may in

e in a new investment or use it to pay bills without selling your property.

Well, here are my top 4 ways to put cash in your pocket without having to SELL your real estate...

Place a private s

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

econd mortgage on your property – One of the best ways to get cash out of the property is by borrowing money from a private lender and giving them a second mortgage on the property as security.

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

By way of an example, if you bought a property 5 years ago for $100,000 and put an $80,000 mortgage on the property at the time of purchase you had $20,000 equity. That property today may be w

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

Combination pro

orth $130,000 and mortgage paid down to $75,000 leaving you with $55,000 in equity. If you borrowed $30,000 from a private lender you now have $105,000 in total debt on the building. This leav

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

es the debt-to-equity ratio at a very reasonable 81%. We do not recommend ever going above 90% debt-to-equity to allow some margin for future down turns. One of the primary ways we attract pri

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

ate lenders is through group luncheons and private meetings. We use the Private Lender Presentation Kit as our primary marketing tool to generate leads and convert individuals into our program.

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

Put a Rent-to-Own Tenant in the building – Under a rent-to-own program a renter with the desire to ultimately purchase is given 12 to 24 months to rent while fixing or improving their credit t

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

o the point where they can get a mortgage and cash you out. The great advantage of this method, and are many, is the tenant/buyer typically pays you 3% to 10% of the value of the property upfro

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

nt in the form a non-refundable purchase deposit. This deposit can be anywhere from $2,000 to $20,000 cash in your pocket. If the tenant/buyer does not cash out or decides to move out you can

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

Following aspects would a

legal keep the deposit and do the whole thing over again. Another advantage is that a tenant/buyer feels much more compelled to pay rent on time to get the purchase price credit that is only gi

dd to the challenges in developing combination products:

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

ven if the rent is paid on time.

Refinance the existing mortgage with a new private lender mortgage – If you have an existing first mortgage on a property you can refinance the whole amount for

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

new higher first mortgage using a private lender as your lender. Using the above example, if you have property worth $130,000 with a $75,000 first mortgage, you could refinance the first mortg

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

ge with a private lender for $105,000 and cash out $30,000 for yourself. The advantage of this method is that the cost of first mortgage alone will be lower than a first and second combination

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

as describe above. You also avoid having the loan show up on your credit report and this usually improves your credit score.

Use your property to secure a line of credit – If you have one or m

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

Professional from academic institutions, pharmaceutical industries, health care indust

ore properties with a significant amount of equity you can use that equity to get a line of credit from a bank or local saving and loan. Again using the above example of property with $55,000 i

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

n equity you may be able to get as much as a $30,000 line of credit. We have found that banks will never go above 80% debt-to-equity with these types of lines. This type of financing has sever

.

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

al advantages including no interest cost until you actual use the money and generally the interest rates are very competitive in the prime plus 3% to 6% range.

In Conclusion, we have outlined f

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

Companies that provide selfless information through particip

our ways to generate cash from your real estate with out having to sell your property. This has tremendous advantages in allowing you access to cash to do new projects or pay operating expenses

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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