
Global Capital Partners Fund is a Direct Bridge & Hard Money Lender with over 30 years of experience. Specializing in Commercial loans, Adaptive Re-use & Construction lines of credit nationwide!
El Dorado Hills, CA has 50 fix and flip lenders issuing loans in the city. The average note issued is around $294,091. The average rate for hard money loans in El Dorado Hills is 10.5%. The typical length for loans is 23 months. The mean note includes a 2.9 point origination charge. 66% is the mean LTV for offered by lenders in El Dorado Hills.
Jorge closes on a $170,000 rehab project in El Dorado Hills, CA, using a fix and flip loan from West End Lending. As the lender sets a 55% loan-to-value, Jorge will be required to put 45% down and the amount of the note will be $93,500. The note is interest-only, paid monthly, and is for 6 months at 8% interest with 3 points paid at the closing.
On top of the $2,805 origination fee, Jorge will also have to fund $76,500 of the purchase with his own cash, or 45% of the sales price. The lender will collect $623 in monthly interest payments from the Jorge. This is computed by taking the full note amount of $93,500, multiplying that by the 8% rate of interest, and then dividing that amount by 12. If Jorge meets his goal of a $204,000 total sales price at the end of the loan term, he would earn a gross profit of $27,455 after repaying the principle on the note and subtracting the money he brought to closing, the origination points, and the monthly interest payments.
Jewel takes out a loan from East Shore Finance so she can rehab a townhome to resell in El Dorado Hills, CA. The loan has the following terms:
a) A $370,000 sales price, b) a 65% loan-to-value (LTV), c) a 18 month term, d) a 10% interest rate, and e) a 5% origination fee.
Jewel intends to list the property at the end of the term for $499,500. If she achieves this goal, the final numbers would be the following:
$499,500 sales price
- $240,500 note principle (65% LTV)
- $129,500 down payment (35% on 65% LTV)
- $12,025 origination fee (5% of the $240,500 principle amount)
- $36,075 total interest paid (18 months x 10% interest)
-----------------------
= $81,400 total profit (doesn't include taxes or rehab costs)
Global Capital Partners Fund is a Direct Bridge & Hard Money Lender with over 30 years of experience. Specializing in Commercial loans, Adaptive Re-use & Construction lines of credit nationwide!
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