With each assignment I sign a Confidentially Agreement.   While I do use project’s name, I do not discuss financial aspects or status of our efforts with others. When meeting with others I do not speak for my client, but I do speak on their behalf.


The most common mistake investors make is not matching or aligning the project with the residential opportunity.  Too many times, I see a Cadillac facility in a Chevrolet market or vise verse.  Therefore, make sure you are building or buying the right investment for your goals.  Community Centers in rural areas are needed and also acceptable under USDA guarantee loan program.

Investors want to know the What, Where, When and How of an investment or loan.  What is the investment and Where is it located?  When do investors receive benefits, does it support debt and over What term. The What and Where you already know, but the When is based on your timetable.  The most difficult of these to explain is the How.  Spear Consultants will determine; How this guaranteed loan provides a return, debt service and how it can support itself.

The purpose of an Evaluation is to establish a concise written report that summarizes the operational and financial opportunities’ of a public funding project.  It should identify market, demand, costs, income, expenses, profitability, structure, physical aspects, and risks and rewards of the projects’ investment and ownership. An independent report created by an independent and objective industry professional, adds credence and credibility to the client and project.  As such, Spear Consultants reports are prepared for the specific purpose of determining values to share with potential investors and lenders.