Bay Area Capital Funding is an asset-based lender headquartered in San Carlos, CA offering loans throughout San Francisco, Oakland, and San Jose. They provide short term loans, fix and flip hard money loans, investment property loans, cash out ...
Bridge Loans in Palo Alto, California
Palo Alto, CA has 50 hard money bridge lenders offering loans in the city. Loan amounts average approximately $378,889. Rates for private loans average 9.7%. 23 months is the average length for loans made in the city. The mean note includes a 2.8 point origination fee. Lenders in Palo Alto average a 74% LTV on their loans.
Loan Example 1
Justin closes on a $210,000 rehab project in the Ventura subdivision of Palo Alto, CA, using a private money bridge loan from Downtown Lending . The lender agrees to issue a note with a 50% loan to value (LTV) so they will loan $105,000 on the project. The parameters of the loan dictate a 12% note for 12 months. They also stipulate a 5 point origination fee, that will also need to be paid at closing.
In accordance with the parameters of the note, Justin will need to pay a $5,250 origination fee in addition to 50% of the purchase price, or $105,000, since there is a 50% LTV. The monthly interest only payments will then total $1,050 to the lender. At the expiration of the note, he sells the rehabed house for $315,000. After subtracting the $12,600 in interest payments ($1,050 multiplied times 12 months), the $5,250 origination fee, the $105,000 principle on the note, and the $105,000 he brought to closing, he will make a gross profit of $87,150 ($315,000 price minus $227,850 in costs). This amount would then be reduced by any rehab costs paid by the borrow.
Loan Example 2
Joe takes a bridge loan from Axis Funding Company in order to renovate a house to re-sell in the South of Midtown area of Palo Alto, CA. The loan has the following terms:
a) A $180,000 sales price, b) a 65% loan-to-value (LTV), c) a 12 month term, d) a 12% interest rate, and e) a 3% origination fee.
Joe plans to sell the project at the end of the term for $216,000. If he achieves this goal, the final numbers will be as follows:
$216,000 sales price
- $117,000 loan principle (65% LTV)
- $63,000 cash paid at closing (35% on 65% LTV)
- $3,510 origination points (3% of the $117,000 principle)
- $14,040 total interest paid (12 months x 12% interest)
-----------------------
= $18,450 total profit (does not include taxes or rehab costs)
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Fairfield Financial Services
Portland, OR
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