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Your browser does not support inline frames or is currently configured not to display inline frames. Most types of insurance work like this: Clients pay a monthly or annual premium, and in return, insurance companies agree to assume financial responsibility and the risk in certain situations. The federal government is apparently getting squeamish about tax-free real estate spinoffs, and that could have big implications for restaurant companies considering such moves — including Darden Restaurants. This could apply to existing deals, according to the Wall Street Journal, including one from Darden Restaurants, which in June proposed the spinoff of 424 of its properties into a real estate investment trust, or REIT. The IRS notice could give other companies pause as they consider options for real estate and other assets.
A McDonald’s REIT has always been unlikely, but the company has seemed more open to the possibility in recent months. Activist investors have long pushed any restaurant company that owns a lot of its real estate to monetize those assets. So many companies that do REITs spin off a small qualifying company as part of the transaction. Jonathan Maze covers finance for Nations Restaurant News, as well as restaurant chains based in the Midwest.
While the traditional coverage is something that the insurance companies (and their clients) hope they’ll never need to use, it’s just one of life’s necessities.Mortgage insurance works a little differently. For franchisees that have long opposed such a move, the IRS notice could be seen as something of a relief.

That includes Bob Evans Farms Inc., which itself is selling real estate in a sale-leaseback deal but has said it would consider a REIT spinoff in future years. Investors believe that restaurant companies often don’t get credit for those assets on Wall Street. Darden, for instance, is spinning off a 6-unit LongHorn operation in San Antonio as part of its real estate spinoff.
It also owns much of its real estate, which became a central topic in a proxy fight last year. In August, it named real estate veteran Bill Lenehan as the CEO of the REIT, Four Corners Property Trust, Inc. And it can be confusing to homebuyers in the Triangle who aren’t sure what it is, let alone whether they’ll need to pay for it.The professional agents at Flat Fee Realty want their clients to be as informed as possible. But if it puts those assets into a separate real estate investment trust and spins that company off to existing shareholders, it wouldn’t have to pay taxes.
Below, we help to answer three common questions about mortgage insurance*:What is Mortgage Insurance?With mortgage insurance, the borrower still pays a premium, but they’re not exactly paying to for their own protection (and they don’t even get to choose the insurance company). So the question is not whether a borrower “needs” mortgage insurance, but rather if the lender will require it.When is Mortgage Insurance Necessary?Borrows usually will be required to purchase mortgage insurance if they make a down payment of less than 20%. Follow me more closely just find me there string art printable patterns.String Art Printable Patterns Us president barack obama delivers a statement in. The amount of the mortgage premium depends on the size and type of loan, but usually costs between 0.5 and 1% of the loan amount.

Mortgage insurance can be private or public, depending on the type of loan.How Can Borrowers Get Rid of It?Most homeowners are responsible borrowers, and think that making on-time payments is the best way of getting the mortgage insurance requirement removed as quickly as possible. Unfortunately, this is not necessarily the case:Private mortgage insurance automatically terminates when the loan balance reaches 78% of the original value of the home according to the amortization schedule. However, if the 78% mark is reached more quickly, a borrower can request that the insurance be removed.
Public mortgage insurance terminates when the loan balance reaches the same 78% threshold, but not sooner than 5 years into the loan.
The borrower is going to pay mortgage insurance for at least 5 years.Mortgage insurance is often an unwelcome (and unplanned) expense for many borrowers. When determining what type of mortgage payment is affordable, be sure to include mortgage insurance as part of those costs (along with the principal, interest, property taxes, and homeowner’s insurance).Concerned about potential pitfalls in the home buying or selling process? Let the experienced agents at Flat Fee Realty explain how they can make the process easier than ever. We suggest consulting a financial specialist with experience in mortgage insurance if needed.

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