I Suggest - Real Estate

Unlike other investors, my venture into real estate was a natural extension of my secondary business as the IP Ware software developer. H

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

owever, opportunity and perseverance beget wealth, or at least a decent side income.

Aside from my ventures into lease optioning residen

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

Examples of combination products may in

ial property, I and my partner have managed to acquire a number of properties with our own credit. However, when looking at our finances

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

nd the return we were getting for the amount of effort involved, we both decided there must be a better way. That is when it occurred to

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

me. Instead of trying to leverage our existing assets for a diminishing return, perhaps we could be the bank.

Here is the scenario as it

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

Combination pro

has played out. First of all, we control a decent number of properties with our own credit. Most were purchased with 100% financing using

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

multiple capital sources. However, each contains only a primary lean and is financed using standard mortgage terms. Subsequently, there i

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

s a 20% secondary credit position available on each of these properties.

Now normally, an investor would use this 20% equity stake in th

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

existing properties to leverage the purchase of more properties. However, our approach has been a bit different. Because interest rates

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

re so low, we can borrow against the 20% equity position in each of the properties and loan this money to investors who need short terms

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

inancing to control and rehabilitate properties. Essentially, we are using our existing properties as collateral to borrow money at the g

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

Following aspects would a

oing finance rate and loan it out at substantially higher rates of return. We have become the bank.

For investors who need money fast, t

dd to the challenges in developing combination products:

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

is system works out beautifully. They pledge their property as collateral, and we loan out up to 75% of the purchase price. All parties b

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

nefit, and investors with opportunities that do not need long term financing have a source of funds to do their deals. Everyone wins.

If

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

you are thinking of setting up this type of program yourself, there are a significant number of legal caveats that you must be aware of.

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

The first is the company funding the second lean holder position on your existing properties must be aware of and amicable to what you ar

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

Professional from academic institutions, pharmaceutical industries, health care indust

doing. This is a legal requirement of which there is no way of avoiding without committing fraud. Next, the usury laws in your state det

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

ermine the maximum interest rate you can charge your customers. There are a host of additional laws that are more specific to the lending

.

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

process, but a good lawyer will help you work through them.

Regardless, there is a decent return to be made helping others do their deal

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

Companies that provide selfless information through particip

. Use your existing properties to secure the funds to lend, and make sure you have an experienced lawyer to help you sort out the details

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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Team not performing as it should? New members just joined the team? Do not underestimate the undercurrents which can inhibit the group's progress. Do you know what these undercurrents are?

Use of RSS feeds as part of an effective and thorough search engine optimization. How RSS feeds increase search engine ranking and search engine placement.

The first months my website was online,I was constantly checking the search engines to see if my site was listed under the keywords that I was targeting. And always with the same negative results.

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