How You can Own for LESS than Leasing


Own for Less than Leasing!


Asking Price: $795,000

Take Advantage of this Owner-User Opportunity



You may not realize how much money your business is losing every year simply by leasing your business space. It is not just the annual rent increases or the rising utility costs of aging building systems. By not owning your business property, you are forfeiting substantial financial benefits that could significantly impact your business.

Businesses that buy commercial real estate typically occupy more than 51% of the commercial space. The remaining space can be rented out to tenants, creating a lot of potential rental income.   


Let’s look at 640 East Vista Way. The office is a two-story +/- 3,150 SF building with a lot size of +/-15,899 SF. The second floor is currently combined into one suite, acting as an ideal space for an owner to occupy. The 1st floor contains three suites ranging from 350 SF to 400 SF with a 400 SF car garage.


This property is especially rare because it has a unique layout allowing for a large diversity of potential tenants. With 25 parking spaces and a garage, the occupants range from retailers, attorney's offices, CPA, insurance office, dental practice, professional offices, salons, automotive shops and more. The tenant income could benefit the owner around +/- $2,325 per month.

The graph below contains a break down of the comparison between owning VS leasing 640 East Vista Way, resulting in an annual savings of $6,732 if you are an owner. A study by Northeast Bank found that over a 15-year occupancy period, leasing commercial real estate costs as much as 86.6% more than buying commercial real estate.


IT IS NOT ALL ABOUT THE MONTHLY SAVINGS!

It is also crucial to weigh the long-term benefits of owning a property as well as the monthly income. 

1. Equity Upside
The beauty of buying commercial real estate is that your monthly loan payments help you build equity. This is because a portion of those monthly payments goes towards paying down your principal loan amount. When you eventually sell or refinance your property, you can extract the difference between the remaining loan amount and the current fair market value as equity for your business. This contrasts with leasing commercial real estate since lease payments go to the landlord and no principal is paid down.

2. Asset Appreciation
When you own commercial real estate, you can also take advantage of asset appreciation. This appreciation represents the increase in the value of your property over time.

4. Tax Benefits
Those who buy commercial real estate can deduct the following when calculating tax payments:
  • Interest expense
  • Depreciation expense
  • Non-mortgage related expenses
These expenses can be multiplied by an average corporate tax rate of 35% to find the dollar tax savings. However, since the full amount of the monthly loan payments can’t be deducted (only the interest expense), the tax benefits when buying commercial real estate are typically lower than leasing commercial real estate.

Most mortgage-related expenses, such as closing costs and origination fees, typically can’t be deducted for tax purposes.

5. Control Your Property
When you buy commercial real estate, you control your property. When leasing, landlords have certain rights built into the lease. For example, many landlords negotiate rental increases, giving them the legal right to raise the rent on a tenant’s lease at least once a year.

This means that when you lease a commercial space you might be at the whim of your landlord. If average rental increases are around 3% a year, and if you have a 36-month lease, your rent can increase as much as 9.3% over the life of the lease, if not more. This can create instability for a lessee.

However, situations like these won’t arise when you own your own property. Instead, you’ll have peace of mind that you have a fixed monthly payment for as long as you stay in the space. This means that your monthly payment will not be tied to the commercial rental market.

Contact Jarvis Leverson to learn more about to owner-user opportunity presented at 640 East Vista Way. (619) 469-3600



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