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With more than $12.3B in funded loans, Kiavi is one of the nation’s largest private lenders to residential real estate investors!
Atherton, CA has 50 hard money bridge lenders offering loans within the city. The average amount loaned is $321,250. Rates for hard money loans average about 10.5%. The typical term offered for notes is 23 months. The average note includes a 3.2 point origination cost. 73% is the mean loan to value (LTV) offered for for loans in Atherton.
Whitney finds a townhome in the Sharon Heights area of Atherton, CA to remodel and re-sell. Since she does not have enough cash to buy the $190,000 project outright, she takes out a hard money bridge loan from Acme Investment Corporation. The loan to value (LTV) on the deal is 50%. This means Whitney will need to bring 50% of the purchase price to the closing and the principle will be $95,000 on the loan. The terms of the loan also include a four percent origination fee which will be paid at the closing and a 18 month, interest-only note with a 9% rate of interest.
Accordingly, the borrower will need to contribute a $95,000 down payment plus pay a $3,800 origination fee. Once the loan closes, she will pay Acme Investment Corporation $713 in monthly interest fees, or 9% multiplied times $95,000 divided by 12 months in a year. Whitney's plan is to complete the rehab within the 18 months and re-sell it for $285,000. If she succeeds she will earn a total profit of $78,375 ($285,000 price - $95,000 principle - $95,000 down payment - $3,800 origination points - $12,825 in total interest paid.
Mindy is a real estate investor in the Sharon Heights area of Atherton, CA. She buys a run-down townhouse for a renovation project and takes a hard money bridge loan from South Shore Funding Corporation with the following terms:
a) A $370,000 sales price, b) a 50% loan-to-value (LTV), c) a 6 month term, d) a 13% interest rate, and e) a 2% origination fee.
Once the renovation project is finished, if Mindy sells the house for $518,000, the outcome would be as follows:
$518,000 sales price
- $185,000 loan principle (50% LTV)
- $185,000 down payment (50% on 50% LTV)
- $3,700 origination fee (2% of the $185,000 principle)
- $12,025 total interest paid (6 months x 13% interest)
-----------------------
= $132,275 total profit (doesn't include taxes or renovation costs)
With more than $12.3B in funded loans, Kiavi is one of the nation’s largest private lenders to residential real estate investors!
Offering Fix and Flip, Bridge, and DSCR loans. With same day approvals, 3-5 day close time, and lending in 47 states, Park Place Finance will get your next deal funded fast!
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