Vision Capital Funding

About Vision Capital Funding

Vision Capital Funding is private money lender based in Sacramento, CA. They provide funding throughout California. They offer loans for many different needs and situations, including hard money loans for commercial properties, short term fix and flip loans, and loans for investments properties. Their lending parameters are flexible, including loan amounts ranging from $50,000 to $5,000,000 with a maximum LTV of 65%, terms between 6 months and 9 months, and rates ranging between 10% and 14%. They do not require their borrowers to have a minimum FICO score to receive a loan. They will consider various loan scenarios but generally focus on single family units and multi-family units.

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

Property Types Covered: Single Family, Multi Family

Areas Served: CA

Lending Guidelines for Vision Capital Funding

Below are the general loan guidelines published on the Vision Capital Funding 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 Vision Capital Funding.

Loan Example 1

Kenneth is a house flipper in Los Angeles, CA. He finds a run-down property for sale and wants to rehab it and sell it for a profit. The property costs $260,000 but he doesn't have the full amount so he takes out a private money loan with Vision Capital Funding. As the lender agrees to a 50% loan to value, Kenneth will be required to put 50% down so the principle amount of the loan will be $130,000. The terms of the note also include a five point origination fee that is to be paid at closing and a 18 month, interest-only note with a 13% rate of interest.

In accordance with the terms of the loan, Kenneth will have to pay a $6,500 origination fee plus 50% of the sales price, or $130,000, since there is a 50% LTV. After the deal is executed and Kenneth takes on the project, he will need to begin making payments each month of $1,408 to Vision Capital Funding ($130,000 principle x 13% / 12 months). If he sells the rehabed house for $390,000 at the end of the 18 month term, his gross profit (not accounting for rehab costs) would be $98,150. This is calculated by taking the sales price ($390,000) and subtracting the original principle ($130,000), the origination fee ($6,500), the funds he contributed to closing ($130,000), and the total interest payments ($25,350).

Loan Example 2

Diane takes a hard money loan from Vision Capital Funding so she can remodel a property to flip in Los Angeles, CA. The loan has the following terms:

$370,000 purchase price
70% loan to value (LTV)
12 month term
13% rate of interest
5% origination fee

If Diane accomplishes her goal of a $518,000 sales price, the final numbers of the project will be the following:

$518,000 sales price
- $259,000 principle (70% LTV)
- $111,000 down payment (30% on 70% LTV)
- $12,950 origination points (5% of the $259,000 principle)
- $33,670 total interest paid (12 months x 13% interest)
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= $101,380 gross profit (doesn't include taxes or rehab costs)

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