Val Chris Investments

About Val Chris Investments

Val Chris Investments is an Irvine, CA based private money lender who offers funding in California. They provide private refinancing, fix and flip loans, hard money bridge loans, loans for investments properties, and private commercial loans. They provide terms between 3 years and 7 years and loan amounts ranging from $20,000 to $2,000,000 with a maximum LTV of 75%. Their loan parameters do not require a minimum credit rating. They make loans on most types of properties, including single family residences, multi family residences, apartments, offices, retail spaces, mixed use, and industrial buildings.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, Refinance / Cash Out Loans, Bridge Loans

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

Areas Served: CA

Licenses: CA Bureau of Real Estate Broker BRE#00914633, NMLS ID#243299, California Finance Lenders, DBO #603 5063

Lending Guidelines for Val Chris Investments

Below are the general loan guidelines published on the Val Chris Investments 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 Val Chris Investments.

Loan Example 1

Adam takes a fix and flip loan from Val Chris Investments in order to rehab a house to resale in Los Angeles, CA. The sales price of the house is $360,000. As the lender agrees to a 55% loan to value, Adam will be required to put 45% down so the total amount of the note will be $198,000. The deal also includes these features: 1) a 18 month length, 2) a 11% interest-only note, and 3) a two point origination fee.

In accordance with the terms of the note, Adam will be required to contribute a $3,960 origination fee plus 45% of the purchase price, or $162,000, based on the 55% LTV. The monthly interest-only payments will then total $1,815 to the lender. Adam's intention is to finish the project by the end of the 18 months and resell it for $450,000. If he succeeds he will collect a profit of $53,370 ($450,000 price - $198,000 principle amount - $162,000 cash paid at closing - $3,960 origination points - $32,670 in interest.

Loan Example 2

Rafael takes out a hard money loan from Val Chris Investments in order to remodel a property to flip in Los Angeles, CA. The deal has the following terms:

$270,000 sales price
70% loan-to-value (LTV)
12 month term
13% rate of interest
3% origination fee

Based on a $405,000 sales price after the 12 month term, the outcome for the project would look like the following:

$405,000 sales price
- $189,000 note principle (70% LTV)
- $81,000 cash paid at closing (30% on 70% LTV)
- $5,670 origination fee (3% of the $189,000 principle)
- $24,570 total interest paid (12 months x 13% interest)
-----------------------
= $104,760 total profit (doesn't include taxes or rehab costs)