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Offering a better alternative to hard money, Navigator Private Capital, LLC (NavCap) has reimagined private real estate lending--making it accessible to real estate investors at all experience levels.
There are 42 private money lenders operating in Pingree, ID. The average amount for loans in the city is $335,000. The average rate for loans in Pingree is 10.8%. 21 months is the average term for loans made in this city. The mean loan includes a 3.3 point origination cost. 75% is the mean LTV for offered by lenders in Pingree.
Ashley finds a townhome in Pingree, ID to remodel and re-sell. Since she does not have enough cash to buy the $220,000 property outright, she decides to take out a bridge loan from Oceanside Lending Corporation. The borrower will need to fund 40% of the sales price in cash to the closing based on a 60% loan-to-value stipulated by the lender. This makes the principle amount from Oceanside Lending Corporation $132,000. The loan also has the following features: 1) a 12 month length, 2) a 12% interest-only note, and 3) a two point origination charge.
In addition to paying the $2,640 origination fee, Ashley will also need to fund $88,000 of the purchase with her own cash, or 40% of the sales price. she must then pay $1,320 monthly to the lender. If Ashley sells the property for $297,000 after 12 months, she would earn a gross profit of $58,520 after deducting the principle amount of $132,000, the funds contributed at closing of $88,000, the origination fee of $2,640, and the total interest payments of $15,840. This profit does not include renovation costs.
Addie is a real estate investor in Pingree, ID. She buys an older property for a rehab project and obtains a bridge loan from K & M Lending Corporation with the following features:
$330,000 purchase price
55% loan-to-value (LTV)
18 month term
13% rate of interest
2% origination fee
Addie intends to sell the house when the note expires for $495,000. If she achieves this goal, the deal numbers would be as follows:
$495,000 sales price
- $181,500 principle on note (55% LTV)
- $148,500 down payment (45% on 55% LTV)
- $3,630 origination fee (2% of the $181,500 principle)
- $35,393 total interest paid (18 months x 13% interest)
-----------------------
= $125,978 gross profit (does not include taxes or rehab costs)
Offering a better alternative to hard money, Navigator Private Capital, LLC (NavCap) has reimagined private real estate lending--making it accessible to real estate investors at all experience levels.
With more than $12.3B in funded loans, Kiavi is one of the nation’s largest private lenders to residential real estate investors!
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