Epic Capital Solutions
5605 Riggins Ct #201
Reno, NV 89502
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About Epic Capital Solutions
Epic Capital Solutions is a Reno, NV based private money lender. They provide loans across the country. They offer short term fix and flip loans, commercial loans, hard money bridge loans, cash out loans, and builder loans. They issue rates ranging between 7.99% and 11.5% and loan amounts ranging from $250,000 to $4,000,000. They offer loans on all of the following property types: single family residences, multi-family, apartment buildings, retail spaces, mixed use, and offices.
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Loan Types Offered: Fix and Flip Loans, Commercial Hard Money Loans, New Construction Loans, Refinance / Cash Out Loans, Bridge Loans
Property Types Covered: Single Family, Multi Family, Apartment, Retail, Mixed Use, Office
Areas Served: National
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Lending Guidelines for Epic Capital Solutions
Below are the general loan guidelines published on the Epic Capital Solutions website. Please confirm all terms and rates directly with the lender.
Fix and Flip Loans
Loan Amounts: $250,000 - $4,000,000
Available Rates: 7.99% - 11.5%
Typical Terms: N/A
Points Charged: N/A
Max Loan-to-Value (LTV): N/A
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: N/A
Interest Only Loans: N/A
Prepayment Penalties: N/A
Minimum FICO Score: N/A
Time to Close: N/ACommercial Hard Money Loans
Loan Amounts: $250,000 - $4,000,000
Available Rates: 7.99% - 11.5%
Typical Terms: N/A
Points Charged: N/A
Max Loan-to-Value (LTV): N/A
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: N/A
Interest Only Loans: N/A
Prepayment Penalties: N/A
Minimum FICO Score: N/A
Time to Close: N/ANew Construction Loans
Loan Amounts: $250,000 - $4,000,000
Available Rates: 7.99% - 11.5%
Typical Terms: N/A
Points Charged: N/A
Max Loan-to-Value (LTV): N/A
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: N/A
Interest Only Loans: N/A
Prepayment Penalties: N/A
Minimum FICO Score: N/A
Time to Close: N/ARefinance / Cash Out Loans
Loan Amounts: $250,000 - $4,000,000
Available Rates: 7.99% - 11.5%
Typical Terms: N/A
Points Charged: N/A
Max Loan-to-Value (LTV): N/A
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: N/A
Interest Only Loans: N/A
Prepayment Penalties: N/A
Minimum FICO Score: N/A
Time to Close: N/ABridge Loans
Loan Amounts: $250,000 - $4,000,000
Available Rates: 7.99% - 11.5%
Typical Terms: N/A
Points Charged: N/A
Max Loan-to-Value (LTV): N/A
Max Loan-to-Cost (LTC): N/A
Owner Occupied Allowed: N/A
Interest Only Loans: N/A
Prepayment Penalties: N/A
Minimum FICO Score: N/A
Time to Close: N/A -
Loan Examples
The following loans are for education purposes only. They do not represent actual loans executed by Epic Capital Solutions.
Loan Example 1
Angel finds a townhome in Houston, TX to flip and resell. Since he doesn't have enough cash to buy the $380,000 property outright, he takes out a hard money loan from Epic Capital Solutions. The lender agrees to write a note with a 70% loan to value (LTV) so they will loan $266,000 on the house. The interest rate on the loan is 10% for a length of 6 months and the lender requires a two point origination fee at the closing. The interest is to be paid monthly and the principle will be returned after the sale of the property.
On top of the $5,320 origination fee, Angel will also have to fund $114,000 of the purchase with his own cash, or 30% of the purchase price. Once the deal is executed and Angel takes on the property, he will begin making payments each month of $2,217 to Epic Capital Solutions ($266,000 principle x 10% / 12 months). If Angel accomplishes his goal of a $456,000 sales price when the loan expires, he would make a total profit of $57,380 after re-paying the principle and deducting the cash he paid at closing, the origination points, and the monthly interest payments.
Loan Example 2
Nicole locates a townhouse in Tacoma, WA to renovate and sell. Because she does not have enough cash to buy the property outright, she takes a fix and flip loan from Epic Capital Solutions with the following parameters:
$240,000 sales price
70% loan-to-value (LTV)
6 month term
14% rate of interest
5% origination feeNicole plans to list the property at the end of the term for $336,000. If she accomplishes her goal, the outcome would be as follows:
$336,000 sales price
- $168,000 principle (70% LTV)
- $72,000 cash paid at closing (30% on 70% LTV)
- $8,400 origination fee (5% of the $168,000 principle amount)
- $11,760 interest payments (6 months x 14% interest)
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= $75,840 total profit (doesn't include taxes or rehab costs) -
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