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 Woonsocket, Rhode Island
Woonsocket, RI has 36 lenders offering refinancing in the city. Loan amounts average around $288,000. The average interest rate for loans in Woonsocket is 11.9%. 36 months is the average term for loans made in the city. A typical loan issued in the city includes a 3.1 percent origination fee. 75% is the typical loan-to-value (LTV) for offered by lenders in Woonsocket.
Loan Example 1
Kyle owns a a building he uses for his business's operations in Woonsocket, RI. He decides he requires some cash for his business's operation but is turned down by his credit union for a cash-out refinance, so he looks to Blue Square Funding for a hard money refinance. The lender does a valuation analysis and decides the real estate is worth about $1,100,000. They decide to loan Kyle 70% of the market value (the LTV). Additionally, they specify a 14% rate of interest, a 5 year note term, and will collect an origination fee of 5 percent at the closing. Interest-only payments will be paid each month with the loan principle to be paid back when the note matures. According to the rules of the loan scenario, Blue Square Funding will give Kyle a total of $731,500 on his building ($1,100,000 estimated value x 70% loan-to-value - $38,500 in origination points). Kyle will then pay $8,983 monthly in interest until the note matures and will then pay back the $770,000 face amount of the note.
Loan Example 2
Celeste is an entrepreneur in Woonsocket, RI who owns a commercial building for her operation. She makes a deal with her business partner to buy out their ownership of the operation but she does not have the personal funds to do so. In order to make the deal move forward, she takes money out of the equity she has in her building via a hard money cash-out refinance through Prosperity Funding Corporation. In exchange for a first lien position on the property, the lender agrees to loan Celeste 50% of its $1,300,000 value. They also agree to a 11% interest rate, a 1 year note length, and will collect an origination fee of 2 percent at the close. Interest only payments should be made each month with the principle paid back when the note matures. By the parameters of the loan scenario, Prosperity Funding Corporation will give Celeste a total of $637,000 on her property ($1,300,000 market value x 50% loan to value - $13,000 in origination fees). Celeste will then pay $5,958 per month in interest fees until the note expires and will finally return the $650,000 face amount on the note.
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HardMoneyLoans.com is a national lender based in Beverly Hills, CA that can get your loan funded from $250k-$75M for all kinds of real estate projects. We specialize in hard money loans for all commercial and residential properties types, bridge loans, ...
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Anchor Loans
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JCAP Private Lending
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Lima One Capital
201 East McBee Ave, Suite 300
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Dominion Financial
32 S Street
Baltimore, MD 21202
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New Silver
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Patch Lending
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Conquest Capital Partners
859 Willard Street, Suite 503
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1485 International Parkway, Suite 1031
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Gelt Financial
6401 Congress Ave, Suite 215
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Capital Three Sixty
7 Towpath Lane
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Sunset Equity Funding
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Culver City, CA 90232
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Sharestates
45 North Station Plaza
Great Neck, NY 11021
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Diversified Funding Incorporated
63 Atlantic Avenue
Boston, MA 02110
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Figure.com
650 California Street, Suite 2700
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113 Ripley Rd
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Peak Choice Capital
601 Silver Creek Drive
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4445 Corporation Ln Suite 264
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REI Capital
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AMUSA Commercial Capital
301 Commerce Street Ste. 1420
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ICS Loans
1546 NW 56th Street
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11 Capital Finance
20 West Vine Street #575
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Investor Rehab Funding
1995 North Park Place SE, Suite 415
Atlanta, GA 30339
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Pro Builder Financial
396 Washington Street, Suite 225
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Northborough Capital Partners
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Asset Avenue
1100 Glendon Ave, 18th Floor
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Bridge Well Capital
496 Delaney Ave #408
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Riverdale Funding
207 Mockingbird Ln, #402
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