Titans Capital Partners

About Titans Capital Partners

Titans Capital Partners is a Santa Ana, CA based private money lender providing funding all across the US. Their lending focus is mainly on commercial loans. They provide loan amounts ranging from $100,000 to $550,000,000. They will make loans on various property types, including multi-family units, apartment buildings, office units, retail storefronts, hotels, storage buildings, senior living facilities, mixed use, warehouse buildings, industrial facilities, and medical offices.

Loan Types Offered: Commercial Hard Money Loans

Property Types Covered: Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Warehouse, Industrial, Medical

Areas Served: National

Lending Guidelines for Titans Capital Partners

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

Loan Example 1

In order to purchase a new office building for his business, Alex turns to Titans Capital Partners to fund his purchase with a commercial hard money loan since he isn't able to secure a standard loan from a bank. The lender contracts to a 60% loan to value (LTV) on the sale and the new property costs $360,000, so they will fund $216,000 and Alex will bring the remaining $144,000. The lender also lays out the following terms to the deal: 1) a 13% rate of interest, 2) a 6 month length with interest only payments monthly, 3) an origination fee of 3 points paid by Alex at closing, and 4) no penalty for pre-payment. Alex can eliminate the note at any point in time by paying off the $216,000 in principle, however, he will must make $2,340 /month interest payments ($216,000 principle x 13% interest / 12 months per year) in the interim, or until the loan expires. Since there is not a pre-payment penalty, the only additional expense he would have to pay is the $6,480 origination fee which he will pay when the loan closes.

Loan Example 2

Lynette is a real estate investor in Santa Rosa, CA. She buys a run-down property for a rehab project and obtains a hard money loan from Titans Capital Partners with the following terms:

$240,000 sales price
85% loan-to-value (LTV)
6 month term
14% rate of interest
5% origination fee

If Lynette achieves her goal of a $348,000 sales price, the outcome of the project will be the following:

$348,000 sales price
- $204,000 principle (85% LTV)
- $36,000 cash paid at closing (15% on 85% LTV)
- $10,200 origination fee (5% of the $204,000 principle)
- $14,280 interest payments (6 months x 14% interest)
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= $83,520 gross profit (does not include taxes or rehab costs)

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