Spyglass Lending is a Los Angeles, CA based hard money lender. They provide loans throughout Orange County, Los Angeles County, Riverside County, San Bernardino County, and San Diego County. They offer new construction loans and fix-and-flip loans. ...
New Construction Loans in Winnetka, California
Winnetka, CA has 50 new construction hard money lenders issuing loans in the city. The average amount for loans is $312,292. Interest rates on loans made to Winnetka investors average 10.0%. The median loan made in this city is for 19 months. The average origination for loans is 3.5 percent. 72% is the median loan to value offered for for loans in Winnetka.
Loan Example 1
Robyn is a home builder who decides to construct a tri-plex on a lot in the Winnetka area of Winnetka, CA. The lot is available for $350,000 and Robyn estimates the building costs for the house will be around $350,000. She takes out a construction loan from Blue Door Finance Company with these terms: 1) a 12 month note at 8% interest, 2) interest-only payments made monthly, 3) 5 origination points at closing by the borrower, and 4) a 50% loan-to-value (LTV) on the land and the building expenses. They will not charge a pre-payment penalty and they will issue the building expenses in multiple draws. According to this deal scenario, Robyn will have to pay the following expenses: 1) $350,000 cash down (by the 50% LTV), 2) a $17,500 origination charge ($350,000 principle x 5%), and 3) $2,333 monthly interest payments. When the loan expires, Robyn sells the property for $980,000. This will make Robyn a $234,500 net profit after re-paying all expenses of the deal ($350,000 principle, $350,000 cash at closing, $17,500 origination charges, and $28,000 for 12 months of payment).
Loan Example 2
Gregory is a home builder in Winnetka, CA. He wants to buy a lot and build a new home in the Winnetka neighborhood of the city. To pay for the deal, he takes out a construction loan from Evergreen Lending with these specifications:
- $170,000 sales price for the vacant lot
- $350,000 in building expenses
- 60% loan-to-value (LTV)
- 6 month length
- 8% interest rate
- 2% origination charge
Gregory wants to sell the property when the note expires for $670,000. If he achievs this goal, the final numbers will be as follows:
$670,000 sales price
- $312,000 principle (60% LTV)
- $208,000 cash paid at closing (40% on 60% LTV)
- $6,240 origination fee (2% of the $312,000 principle amount)
- $12,480 total interest paid (6 months x 8% interest)
-----------------------
= $131,280 total profit
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