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.
Refinance / Cash Out Loans in Lapeer, Michigan
Lapeer, MI has 32 private money lenders operating in the city. The median note amount is $298,929. Interest rates on hard money loans made to Lapeer investors average around 10.7%. The typical loan issued in this city has a term of 32 months. The average origination percentage charged on the loans is 2.9%. Lenders in Lapeer average a 72% LTV on their loans.
Loan Example 1
Ramon is an entrepreneur in Lapeer, MI who owns a commercial building for his operations. He decides he requires some cash for his business's operations but is rejected by his local bank for a cash-out refi loan, so he turns to J & T Finance Corporation for a private money refinance. The lender agrees to fund 55% of the market value of the real estate (LTV) in exchange for a deed of trust and they decide the building to be worth around $2,000,000. The additional terms of the deal are as follows : 1) a 12% interest rate, 2) a 1 year maturity with interest only payments made each month, and 3) 3 points paid at the closing. By the parameters of the loan scenario, J & T Finance Corporation will give Ramon a total of $1,067,000 on his property ($2,000,000 market value x 55% loan-to-value - $33,000 in origination charges). Ramon will then pay $11,000 monthly in interest until the loan matures and will then re-pay the $1,100,000 principle on the loan.
Loan Example 2
Bessie owns a a commercial building for her business operations in Lapeer, MI. She comes to an arrangement with her business partner to purchase their piece of the partnership but she doesn't have the personal funds for the deal. In order to make the transaction happen, she takes cash from the equity in her building via a hard money cash-out refinance through ABC Investment Company. In exchange for a first position equity stake on the building, the lender will fund Bessie 70% of its $1,700,000 market value. The additional stipulations of the deal are as follows : 1) a 9% rate of interest, 2) a 3 year length with interest-only payments paid monthly, and 3) 4 points charged at the close. Bessie receives $1,142,400 in cash from ABC Investment Company when the transaction is closed ($1,700,000 value x 70% loan-to-value - $47,600 in origination points). She will then make monthly payments of $8,925 for the 3 year length of the note. She will then make a final balloon payment of $1,190,000 to close the debt.
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Stratton Equities
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Anchor Loans
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Kiavi
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JCAP Private Lending
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Harbor Private Equity
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Atlanta, GA 30309
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RCN Capital
75 Gerber Road East
South Windsor, CT 06074
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Lima One Capital
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Greenville, SC 29601
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Visio Lending
1905 Kramer Lane, Suite B700
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Dominion Financial
32 S Street
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New Silver
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1485 International Parkway, Suite 1031
Lake Mary, FL 32746
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Straightline Funding
250 N. Trade Street, Suite 209
Matthews, NC 28105
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Gelt Financial
6401 Congress Ave, Suite 215
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Aero Capital Finance
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Sunset Equity Funding
6125 Washington Blvd, 3rd Floor
Culver City, CA 90232
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Peak Choice Capital
601 Silver Creek Drive
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Sharestates
45 North Station Plaza
Great Neck, NY 11021
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Figure.com
650 California Street, Suite 2700
San Francisco, CA 94108
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AMUSA Commercial Capital
301 Commerce Street Ste. 1420
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Lend Some Money
42 Thompson Street, Suite 1A
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Finance of America Commercial
4201 Congress Street, Suite 475
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11 Capital Finance
20 West Vine Street #575
Lansdale, PA 19446
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Bridge Well Capital
496 Delaney Ave #408
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YC Funding
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Asset Avenue
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Investor Rehab Funding
1995 North Park Place SE, Suite 415
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