{"id":2623,"date":"2016-01-11T16:26:14","date_gmt":"2016-01-12T00:26:14","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/\/?p=2623"},"modified":"2021-05-10T20:29:25","modified_gmt":"2021-05-11T03:29:25","slug":"sba-financing-activity-increases-assisted-living-facilities","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/sba-financing-activity-increases-assisted-living-facilities\/","title":{"rendered":"Aumenta la actividad de financiamiento de la SBA para las instalaciones de vida asistida"},"content":{"rendered":"

Por Kurt Chambliss y Anna O'Brien
\nPublicado originalmente en\u00a0Negocio inmobiliario occidental<\/a>.<\/span><\/em><\/p>\n

Las tendencias gemelas de una poblaci\u00f3n que envejece y los avances en la atenci\u00f3n m\u00e9dica est\u00e1n influyendo en el aumento que TMC Financing est\u00e1 experimentando en el financiamiento de la SBA 504 para las instalaciones de vida asistida. En los \u00faltimos 12 meses, hemos autorizado m\u00e1s pr\u00e9stamos para vivienda asistida, para proyectos por un total de casi $27 millones, que en los \u00faltimos tres a\u00f1os combinados.<\/p>\n

\"Kurt
Kurt Chambliss<\/figcaption><\/figure>\n

Al igual que la hosteler\u00eda, la industria de la vida asistida se hundi\u00f3 durante la recesi\u00f3n. Ahora, justo cuando la industria hotelera est\u00e1 en auge, estamos viendo un aumento en las solicitudes de pr\u00e9stamos de la SBA de empresas en el espacio de atenci\u00f3n residencial.<\/p>\n

Una de las razones por las que estos proyectos van con el financiamiento de la SBA es que muchos bancos no est\u00e1n ansiosos por otorgar pr\u00e9stamos a propiedades con fines especiales, como instalaciones de cuidado residencial.<\/p>\n

\"Anna
Anna O'Brien<\/figcaption><\/figure>\n

El programa SBA 504 permite a los bancos compartir el riesgo y tener otro equipo de suscripci\u00f3n mirando el negocio. Pi\u00e9nselo: si un pr\u00e9stamo para un centro de vida asistida tiene que ser ejecutado, \u00bfqu\u00e9 pasa con los residentes? Ese es un escenario de pesadilla que nadie quiere. Con un pr\u00e9stamo 504 de la SBA para este tipo de propiedad, la estructura t\u00edpica es al menos un 15 por ciento inferior a la de la compa\u00f1\u00eda operadora, hasta un 35 por ciento del prestamista 504 de la SBA y hasta un 50 por ciento del prestamista convencional, por lo que los bancos pueden mantener la relaci\u00f3n pero reducir el riesgo.<\/p>\n

En California, en este momento, la vida asistida es una industria extremadamente relevante. El Centro de Stanford para la Longevidad predice que la poblaci\u00f3n del estado envejecer\u00e1 m\u00e1s r\u00e1pido que la del resto de la naci\u00f3n. Para 2030, se espera que la poblaci\u00f3n de California de 65 a\u00f1os o m\u00e1s se duplique.<\/p>\n

En TMC, vemos que el mercado responde. La mitad de nuestros proyectos recientes son de nueva construcci\u00f3n, y las instalaciones definitivamente no son el hogar de ancianos de su abuelo. La tendencia es crear una comunidad integrada con servicios de alto valor agregado, muy parecidos a los hoteles boutique. De hecho, algunos de nuestros clientes son hoteleros que se han asociado con m\u00e9dicos o enfermeras para ofrecer un tipo de instalaci\u00f3n completamente nuevo.<\/p>\n

Un proyecto de $4.1 millones actualmente en construcci\u00f3n cerca de Sacramento es un negocio familiar. La hija es enfermera; el padre ha sido propietario de hoteles durante m\u00e1s de 40 a\u00f1os y el hijo maneja las finanzas. Se especializan en brindar atenci\u00f3n para la demencia y la enfermedad de Alzheimer, y se dirigen a pacientes privados que buscan una atenci\u00f3n m\u00e1s personalizada que la que se puede brindar en instituciones m\u00e1s grandes, y esta es su segunda instalaci\u00f3n.<\/p>\n

Muchos de nuestros prestatarios de la SBA poseen m\u00e1s de una instalaci\u00f3n. Al igual que los hoteles independientes, existen econom\u00edas de escala con m\u00faltiples propiedades, as\u00ed como en la reestructuraci\u00f3n de activos improductivos. Por ejemplo, tenemos un cliente que compr\u00f3 una casa residencial para personas mayores subutilizada en Vallejo, California. Renovaron las instalaciones y renovaron el programa, agregando servicios y creciendo de ocho residentes a 23. Ahora se est\u00e1n expandiendo con la compra de una instalaci\u00f3n en las cercan\u00edas Concord y otro centro de atenci\u00f3n de 37 habitaciones de bajo rendimiento en Antioch. Ven una oportunidad para obtener un retorno de sus inversiones en actualizaciones de valor agregado.<\/p>\n

Ser ecol\u00f3gico tambi\u00e9n es un \u00e1rea que est\u00e1 ganando atenci\u00f3n por parte de los propietarios de instalaciones de vida asistida (nuevamente, muy parecido a la industria hotelera). Esto hace que el financiamiento 504 de la SBA sea particularmente atractivo porque la inclusi\u00f3n de eficiencias energ\u00e9ticas desbloquea financiamiento adicional de la SBA y permite financiar m\u00faltiples proyectos. Incluso en estructuras m\u00e1s antiguas, actualizar la iluminaci\u00f3n y los electrodom\u00e9sticos, o agregar paneles solares puede calificar y compensar los ahorros y la percepci\u00f3n de la marca.<\/p>\n

Otra tendencia que estamos viendo es en respuesta al deseo de envejecer en el lugar: negocios de atenci\u00f3n m\u00e9dica domiciliaria y centros de d\u00eda para adultos. Un pr\u00e9stamo en el que estamos trabajando actualmente es para espacio de oficina para una mujer que comenz\u00f3 como una franquiciada de atenci\u00f3n m\u00e9dica domiciliaria hace 20 a\u00f1os. Ahora posee cuatro ubicaciones y necesita espacio para albergar servicios administrativos.<\/p>\n

Para 2016 y m\u00e1s all\u00e1, creemos que nos espera un crecimiento significativo en bienes ra\u00edces de vida asistida \/ atenci\u00f3n residencial.<\/p>","protected":false},"excerpt":{"rendered":"

By\u00a0Kurt Chambliss & Anna O’Brien Originally published in\u00a0Western Real Estate Business. Twin trends of an aging population and advances in medical care are influencing the increase TMC Financing is seeing…<\/p>","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[93,141,25,167,89],"tags":[],"class_list":["post-2623","post","type-post","status-publish","format-standard","hentry","category-assisted-living","category-education","category-news-updates","category-special","category-tmc"],"acf":{"related_posts":null},"yoast_head":"\n[:en]SBA financing activity increases for assisted living facilities | TMC Financing [:zh]SBA Financing for Assisted Living | TMC Financing[:es]SBA Financing for Assisted Living | TMC Financing[:]<\/title>\n<meta name=\"description\" content=\"Twin trends of an aging population and advances in medical care are influencing the increase in SBA 504 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