Magnolia Capital Partners

About Magnolia Capital Partners

Magnolia Capital Partners is a private capital lender providing experienced real estate investors with favorable financing opportunities. We take a common sense approach to our review of residential, multifamily and mixed use investment opportunities. Whatever you want your investment portfolio to look like, we can help you fund it quickly and easily.

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

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

Areas Served: WA

Lending Guidelines for Magnolia Capital Partners

Below are the general loan guidelines published on the Magnolia Capital Partners 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 Magnolia Capital Partners.

Loan Example 1

Ollie takes a loan from Magnolia Capital Partners in order to remodel a townhome to resale in Seattle, WA. The sales price of the house is $330,000. Since the lender sets a 55% loan-to-value, Ollie will need to put 45% down so the amount of the loan will be $181,500. The parameters of the loan also stipulate a one point origination fee that is to be paid at closing and a 12 month, interest only note with a 10% interest rate.

According to the terms of the loan, Ollie will need to pay a $1,815 origination fee in addition to 45% of the sales price, or $148,500, since there is a 55% LTV. The monthly interest-only payments will then be $1,513 to Magnolia Capital Partners. If Ollie meets her goal of a $396,000 sales price at the end of the loan term, she would collect a total profit of $46,035 after repaying the principle amount and deducting the money she brought to closing, the origination points, and the total interest payments.

Loan Example 2

Magnolia Capital Partners issues a hard money loan to Susan for a renovation project in Olympia, WA. The loan dictates the following:

a) A $290,000 purchase price, b) a 75% loan-to-value (LTV), c) a 18 month term, d) a 11% interest rate, and e) a 5% origination fee.

Susan intends to list the property at the end of the term for $348,000. If she succeeds, the outcome will be as follows:

$348,000 sales price
- $217,500 principle on note (75% LTV)
- $72,500 down payment (25% on 75% LTV)
- $10,875 origination points (5% of the $217,500 principle)
- $35,888 interest payments (18 months x 11% interest)
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= $11,238 total profit (does not include taxes or rehab costs)

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