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 ...
Fix and Flip Loans in Lafayette, California
There are 50 fix and flip hard money lenders offering loans in Lafayette, CA. The mean loan issued is approximately $335,417. Interest rates for hard money loans average about 10.5%. The median length offered for loans is 26 months. The average loan made in the city includes a 2.5 point origination cost. The mean loan-to-value (LTV) offered for loans in Lafayette is 71%.
Loan Example 1
Vincent takes a fix and flip loan from Acme Finance Corporation in order to remodel a townhouse to resale in Lafayette, CA. The list price of the house is $160,000. The loan-to-value (LTV) on the note is 80%. This means Vincent will need to bring 20% of the sales price to closing and the principle amount will be $128,000 on the note. The terms of the loan dictate a 14% note for 12 months. They also require a 1 point origination fee, that will also need to be paid when the property closes.
Vincent will need to contribute $32,000 at closing (20% on the 80% LTV), plus he will pay the $1,280 origination fee. Once the deal closes, he will pay the lender $1,493 in monthly interest fees, or 14% times $128,000 divided by 12 months in a year. Assuming he sells the remodeled house for $192,000 at the end of the 12 month term, his total profit (not including rehab costs) would be $12,800. This is calculated by taking the purchase price ($192,000) and subtracting the principle ($128,000), the origination cost ($1,280), the funds he brought to closing ($32,000), and the total interest payments ($17,920).
Loan Example 2
Alexander is a an investor in Lafayette, CA. He buys an older property for a renovation project and obtains a fix and flip loan from Affluent Funding Company with the following features:
$160,000 purchase price
85% loan to value (LTV)
6 month term
8% rate of interest
3% origination fee
Based on a $208,000 sales price after the 6 month term, the final numbers for the project would look like the following:
$208,000 sales price
- $136,000 note principle (85% LTV)
- $24,000 down payment (15% on 85% LTV)
- $4,080 origination points (3% of the $136,000 principle)
- $5,440 interest payments (6 months x 8% interest)
-----------------------
= $38,480 gross profit (doesn't include taxes or rehab costs)
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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, ...
Headquartered in Encinitas, CA, Charger Funding is an asset-based lender offering funding throughout Santa Barbara and Santa Cruz. They offer loans for a variety of situations, including short term fix and flip loans, commercial hard money loans, rental property ...
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Based in Corona Del Mar, CA, Premier Money Source is a hard money lender providing loans throughout California. They offer fix and flip loans and rental property loans. They offer rates ranging between 8.99% and 10.75%, ...
Based in Santa Rosa, CA, Sun Pacific Mortgage & Real Estate is an asset-based lender offering loans in California. They offer loans for a variety of needs and situations, including fix-and-flip hard money loans, hard money bridge loans, hard ...
Headquartered in Sherman Oaks, CA, California Hard Money Direct is a private money lender providing funding throughout California. They provide loans for many different situations, including fix-and-flip loans, long term rental property loans, short term bridge loans, commercial loans, ...
Anchor Loans is a California based Hard Money Lender. They provide loans in 46 states throughout the US. They are the largest Fix-and-Flip lender in the U.S. lending over $6 Billion life-to-date in total loan volume to real estate ...
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FK Capital Fund is a San Clemente, CA based private money lender offering funding in California. They provide lending solutions for many different scenarios, including bridge loans, commercial hard money loans, refinancing, hard money construction loans, long term rental ...
Capella Mortgage is a private lender in Las Vegas, NV offering funding throughout Nevada, California, and Arizona. They offer loans for a variety of needs and situations, including rental property loans and fix-and-flip hard money loans. ...
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LendingHome Corporation is a San Francisco, CA based private money lender providing loans in 25 states throughout the United States. They provide buy and hold loans, short term loans, and fix and flip loans. They issue ...
Marquee Funding Group is private money lender headquartered in Calabasas, CA. They provide loans throughout California. They provide lending solutions for many different scenarios, including fix and flip loans, refinancing, commercial hard money loans, long term rental ...
Headquartered in North Hollywood, CA, LBC Capital is a private money lender providing funding in California, Oregon, and Washington. They offer cash out hard money loans, loans for investments properties, commercial loans, short term loans, hard money construction ...
Bolour Associates is a Beverly Hills, CA based hard money lender. They offer loans throughout Arizona, California, and Texas. They offer loans for a variety of situations and needs, including short term loans, cash out loans, private ...
Val Chris Investments is an Irvine, CA based private money lender who offers funding in California. They provide private refinancing, fix and flip loans, hard money bridge loans, loans for investments properties, and private commercial loans. They ...
Conventus is a San Francisco, CA based private lender. They provide funding in 10 states throughout the US. They provide fix-and-flip loans, private commercial loans, cash out hard money loans, and rental property loans. Their loan ...
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Macoy Capital is private money lender based in Beverly Hills, CA. They offer loans in California. They provide hard money refinancing, short term loans, private commercial loans, loans for rental properties, construction loans, and fix-and-flip loans. ...
Trimark Funding is hard money lender headquartered in Anaheim Hills, CA. They provide funding in California. Their lending focus is mainly on fix and flip hard money loans. They do not require a minimum ...
Secured Investment Lending is private lender headquartered in Lake Mary, FL. They provide funding in 49 states throughout the country. They provide lending solutions for a variety of scenarios, including short term bridge loans, commercial loans, cash ...
Headquartered in Encinitas, CA, Scottway Capital is a private lender providing funding in California. They provide hard money loans for commercial properties, buy and hold loans, and fix and flip loans. They offer loans with a ...
MAE Capital Mortgage is a Rocklin, CA based private lender who offers funding in California. They provide loans for a variety of situations and needs, including builder loans, cash out loans, fix and flip hard money loans, loans for ...
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Agoura Hills Financial is private money lender headquartered in Agoura Hills, CA. They offer funding in California. They offer bridge loans, fix and flip loans, commercial hard money loans, and buy and hold loans. Their ...
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Fairfield Financial Services
Portland, OR
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