Sequoian Investments is a San Diego, CA based private money lender who provides funding across the following locations: Anaheim, Bakersfield, Fresno, Irvine, Long Beach, Los Angeles, Oakland, Palm Springs, Riverside, Sacramento, San Bernardino, San Jose, Santa Ana, Santa Barbara, ...
Bridge Loans in Laguna Niguel, California
Laguna Niguel, CA has 50 lenders issuing loans in the city. Note amounts average around $362,500. Rates for hard money loans average around 9.3%. The average note issued in the city has a term of 15 months. The average hard money loan made in this city carries a 3.9 point origination fee. Lenders offer on average a 78% loan to value (LTV) on loans in Laguna Niguel.
Loan Example 1
Johnnie is an investor in Laguna Niguel, CA. He locates an older property and wants to remodel it and flip it for a profit. The house costs $360,000 but he doesn't have the full amount so he takes a hard money bridge loan with Presitge Lending Group . Because the lender agrees to a 50% loan to value, Johnnie will need to put 50% down so the amount of the note will be $180,000. The deal also has these features: 1) a 18 month term, 2) a 13% interest-only note, and 3) a four percent origination charge.
Johnnie will need to bring $180,000 at closing (50% on the 50% loan to value), plus he will pay the $7,200 origination fee. After the deal closes, he will pay the lender $1,950 in monthly interest fees, or 13% times $180,000 divided by 12 months in the year. At the expiration of the loan, he sells the rehabed house for $432,000. After subtracting the $35,100 in interest payments ($1,950 times 18 months), the $7,200 origination fee, the $180,000 principle amount on the loan, and the $180,000 he contributed to closing, he will earn a gross profit of $29,700 ($432,000 price minus $402,300 in total costs). This profit would be reduced by any building costs paid by the borrow.
Loan Example 2
Ericka locates a townhouse in Laguna Niguel, CA to rehab and resell. Since she does not have enough cash to buy the property outright, she takes a bridge loan from South Shore Investment Company with the following parameters:
$280,000 sales price
80% loan-to-value (LTV)
6 month term
8% interest rate
2% origination fee
Ericka plans to sell the house at the end of the term for $378,000. If she succeeds, the final numbers will be the following:
$378,000 sales price
- $224,000 principle (80% LTV)
- $56,000 cash paid at closing (20% on 80% LTV)
- $4,480 origination points (2% of the $224,000 principle amount)
- $8,960 interest payments (6 months x 8% interest)
-----------------------
= $84,560 total profit (doesn't include taxes or rehab costs)
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