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ENCINITAS, CA-HFF has arranged a $43-million refinancing on behalf of a joint venture between Zelman Development Co. and Carltas Co. for the Plaza at Encinitas Ranch, a 145,303-square-foot power retail center here. The refinancing was a 13-year, fixed-rate loan through a life-insurance company. HFF tells GlobeSt.com that no money from the refinancing is earmarked for upgrades or improvements to the property, but did not elaborate further..

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