Michael N. Kot

Professional Overview

Michael is a seasoned attorney with over twenty years of experience in real estate development and commercial financing transactions, including commercial and residential construction loans and healthcare financing. He specializes in complex projects that incorporate mixed-use components, multiple layers of financing, and several developers working collaboratively.

Lender Services for Financial Institutions and Private Lenders.
Michael is the Chair of the Lender Services Team at HCMP, which represents financial institutions and private lenders in commercial financing transactions, forbearance arrangements, and problem-loan workouts. Michael prioritizes efficient documentation and a smooth closing process to secure the best results for his clients in financing transactions. He achieves this by overseeing a talented team of attorneys and paralegals who are dedicated to achieving clients’ goals and meeting transaction deadlines. The Lender Services Team is committed to efficiency and client success and has established long-standing relationships with leading commercial lenders. HCMP is proud to have worked with these trusted partners for decades.

Michael’s financing experience spans various areas that each have their own intricacies, including acquisition, development, and construction loans for retail buildings, mixed-use apartment complexes, and single-family residential subdivisions, complex C&I financing transactions, loan syndications, participations, and healthcare financing. Michael is well-versed in assisting international, national, and regional lenders with documentation, negotiation, and successful closing of complex commercial loans. He also excels in restructuring problem loans and offering strategic guidance for loan workouts.

General Real Estate
Michael regularly provides comprehensive guidance on commercial real estate matters, such as office and industrial leases, commercial real property purchase and sale transactions, and the establishment of joint ventures for real estate development. Michael frequently represents developers that are partnering with investors or co-developers for master-planned commercial and residential developments and provides guidance from the initial property acquisition through the completion of construction and sales or leases to end-users.

Michael actively engages with industry and trade groups, focusing on addressing the key real estate-related challenges that clients encounter in both the residential construction and income property markets. He regularly presents to industry groups and clients on new laws, changing regulations, and the impacts of industry trends on client’s lines of business.

Michael's dedication to providing exceptional service and results to his clients is evident in his hands-on approach to legal practice and collaborative team management style.