
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!
Merced, CA has 50 fix-and-flip lenders offering loans within the city. The average amount for loans is $317,857. Rates on private loans made to Merced investors average around 10.7%. The mean loan issued in this city has a term of 34 months. The mean origination fee for loans is 3.0 points. Lenders in Merced average a 68% LTV on their deals.
Ladonna takes a hard money loan from Acme Funding Corporation in order to renovate a townhouse to flip in Merced, CA. The price of the property is $210,000. The loan-to-value (LTV) on the note is 55%. This means Ladonna will need to bring 45% of the purchase price to closing and the principle will be $115,500 on the note. The terms of the loan dictate a 13% note for 18 months. They also stipulate a 2 point origination fee, that will also be paid at closing.
Ladonna will have to contribute $94,500 at closing (45% on the 55% LTV), plus she will need to pay the $2,310 origination fee. The lender will collect $1,251 in monthly interest payments from the borrower. This is calculated by taking the full loan value of $115,500, multiplying that by the 13% rate of interest, and then dividing that number by 12. If Ladonna sells the house for $315,000 after 18 months, she would then make a gross profit of $80,168 after subtracting the original principle of $115,500, the money contributed at the close of $94,500, the origination points of $2,310, and the total interest payments of $22,523. This profit doesn't include rehab costs.
Raul locates a property in Merced, CA to remodel and re-sell. Because he does not have enough cash to buy the property outright, he takes a fix and flip loan from Fair View Investment Company with the following parameters:
$320,000 purchase price
80% loan-to-value (LTV)
18 month term
11% rate of interest
5% origination fee
Based on a $480,000 sales price at the end of the 18 month term, the outcome for this deal would look like the following:
$480,000 sales price
- $256,000 principle (80% LTV)
- $64,000 cash paid at closing (20% on 80% LTV)
- $12,800 origination points (5% of the $256,000 principle amount)
- $42,240 interest payments (18 months x 11% interest)
-----------------------
= $104,960 total 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!
Rubicon Mortgage Fund is an asset-based lender in Lafayette, CA providing funding throughout these areas: San Francisco County, Marin County, Alameda County, San Mateo County, Sonoma County, Napa County, Santa Clara County, Contra Costa County, Solano County, Butte County, Colusa ...
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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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