
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!
Grass Valley, CA has 50 fix and flip hard money lenders operating within the city. The mean note issued to borrowers is around $300,000. Rates for hard money loans average around 11.0%. The typical note issued in the city is for 30 months. A typical hard money loan offered in the city carries a 3.0 point origination fee. Lenders in Grass Valley average a 70% loan to value on their deals.
Travis is a house flipper in Grass Valley, CA. He locates an run-down property in the Alta Sierra subdivision and wants to renovate it and sell it for a profit. The property costs $300,000 but he doesn't have the full amount so he takes a fix-and-flip loan with Red View Investment Company. Because the lender sets a 75% loan to value, Travis will need to put 25% down and the amount of the note will be $225,000. The parameters of the loan dictate a 14% note for 6 months. They also stipulate a 3 point origination fee, which will also need to be paid when the property closes.
By the terms of the deal, Travis will need to contribute a $6,750 origination fee in addition to 25% of the sales price, or $75,000, based on the 75% LTV. The monthly interest only payments will then be $2,625 to Red View Investment Company. At the expiration of the loan, he sells the rehabed property for $435,000. After deducting the $15,750 in interest payments ($2,625 multiplied by 6 months), the $6,750 origination fee, the $225,000 principle amount on the loan, and the $75,000 he brought to the closing, he will earn a total profit of $112,500 ($435,000 sales price minus $322,500 in total costs). This amount would be reduced by any building costs paid by Travis.
Riverside Lending Company issues a fix and flip loan to Jared for a renovation project in the Alta Sierra neighborhood of Grass Valley, CA. The loan includes the following:
$350,000 sales price
65% loan to value (LTV)
6 month term
12% rate of interest
3% origination fee
Based on a $455,000 sales price at the end of the 6 month term, the final numbers for the project would look like the following:
$455,000 sales price
- $227,500 principle (65% LTV)
- $122,500 down payment (35% on 65% LTV)
- $6,825 origination points (3% of the $227,500 principle amount)
- $13,650 interest payments (6 months x 12% interest)
-----------------------
= $84,525 gross profit (does not 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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Global Capital Partners Fund is a Direct Bridge & Hard Money Lender with over 30 years of experience. Specializing nationwide in commercial loans, adaptive re-use, construction lines of credit, ground up construction, fix & flip, & more!
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