Cushner Capital Group

About Cushner Capital Group

Based in Fallbrook, CA, Cushner Capital Group is a private money lender offering funding throughout California. They provide loans for a variety of situations and needs, including hard money loans for commercial properties, long term rental property loans, and fix-and-flip loans. Their lending parameters are flexible, including rates ranging between 9% and 13%. They provide loans on various types of properties, including single family homes, multi family, apartments, offices, mixed use spaces, retail units, warehouse buildings, storage facilities, and industrial facilities.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Mixed Use, Retail, Warehouse, Storage, Industrial

Areas Served: CA

Licenses: DRE# 00865708, NMLS# 305266

Lending Guidelines for Cushner Capital Group

Below are the general loan guidelines published on the Cushner Capital Group website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by Cushner Capital Group.

Loan Example 1

Cushner Capital Group makes a fix and flip loan to Ericka for a rehab project in Los Angeles, CA, on a house that is listed for $240,000. Because the lender agrees to a 80% loan to value, Ericka will need to put 20% down so the principle amount of the note will be $192,000. The terms of the deal dictate a 9% note for 6 months. They also require a 1 point origination fee, which will also have to be paid at closing.

Ericka will need to contribute $48,000 to the closing (20% on the 80% loan to value), plus she will have to pay the $1,920 origination fee. The monthly interest-only payments will then be $1,440 to Cushner Capital Group. Ericka's intention is to complete the house by the end of the 6 months and sell it for $360,000. If she succeeds she will make a gross profit of $109,440 ($360,000 sales price - $192,000 principle - $48,000 down payment - $1,920 origination fee - $8,640 in total interest payments.

Loan Example 2

Tyler is a an investor in Los Angeles, CA. He locates an older property for a rehab project and obtains a fix and flip loan from Cushner Capital Group with the following features:

a) A $250,000 purchase price, b) a 60% loan-to-value (LTV), c) a 6 month term, d) a 8% interest rate, and e) a 4% origination fee.

Assuming a $300,000 sales price at the end of the 6 month term, the outcome for this project would look like this:

$300,000 sales price
- $150,000 principle on note (60% LTV)
- $100,000 cash paid at closing (40% on 60% LTV)
- $6,000 origination points (4% of the $150,000 principle)
- $6,000 interest payments (6 months x 8% interest)
-----------------------
= $38,000 total profit (doesn't include taxes or rehab costs)

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