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Bridge Loans in Lahaina, Hawaii
Lahaina, HI has 30 bridge lenders issuing loans in the city. The mean loan made is about $296,667. Interest rates for loans average about 10.8%. The median note issued in this city is 65 months in length. The average loan includes a 2.3 point origination fee. Lenders in Lahaina average a 77% loan to value (LTV) on their loans.
Loan Example 1
Joyce is a real estate investor in Lahaina, HI. She discovers an run-down property in the Kaanapali area and decides to remodel it and resell it for a profit. The property costs $320,000 but she doesn't have the full amount so she obtains a private money bridge loan with Big City Finance Company. The lender agrees to issue a note with a 55% loan-to-value (LTV) so they are willing to extend $176,000 on the project. The terms of the deal also stipulate a five point origination fee that is to be paid at closing and a 18 month, interest only note with a 11% interest rate.
By the terms of the loan, Joyce will need to pay a $8,800 origination fee in addition to 45% of the purchase price, or $144,000, since there is a 55% LTV. Once the loan is executed and Joyce takes on the project, she will have to begin making monthly payments of $1,613 to the lender ($176,000 principle x 11% / 12 months). If Joyce accomplishes her goal of a $464,000 sales price at the end of the loan term, she would collect a total profit of $106,160 after re-paying the principle on the note and deducting the cash she paid at closing, the origination points, and the monthly interest payments.
Loan Example 2
River View Finance makes a private money bridge loan to Vera for a renovation project in the Napili-Honokowai area of Lahaina, HI. The loan includes the following:
a) A $260,000 sales price, b) a 60% loan to value (LTV), c) a 18 month term, d) a 9% interest rate, and e) a 1% origination fee.
Assuming a $351,000 sales price at the end of the 18 month term, the final numbers for the deal would look like the following:
$351,000 sales price
- $156,000 note principle (60% LTV)
- $104,000 cash paid at closing (40% on 60% LTV)
- $1,560 origination points (1% of the $156,000 principle)
- $21,060 interest payments (18 months x 9% interest)
-----------------------
= $68,380 total profit (doesn't include taxes or renovation costs)
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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Harbor Private Equity
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New Silver
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Hilton Financial Corporation
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T&M Commercial Funding
259 Minot Ave
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Cherrywood Commercial
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Sharestates
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Forerunner Funding, Inc
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