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Refinance / Cash Out Loans in Picayune, Mississippi
Picayune, MS has 30 private money lenders operating in the city. Note amounts average about $299,167. Rates on loans made to Picayune investors average about 10.2%. The average term for notes is 35 months. The average origination fee applied to loans is 3.1%. 74% is the median LTV for offered by lenders in Picayune.
Loan Example 1
Eugene owns and operates a business in Picayune, MS. He runs his operations from a retail space which he owns outright. He decides he requires funds for his company's operations but he's turned down by his credit union for a cash-out refinancing, so he goes to Advanced Finance Company for a private money refi. The lender agrees to fund 65% of the estimated value of the property (LTV) for a first lien and they decide it to be worth about $1,400,000. The lender will deduct 5 origination points when the loan closes and will receive interest-only payments at 14% for 2 years. The principle will be paid off in one balloon sum when the note expires. Eugene will receive $864,500 in cash from Advanced Finance Company when the deal is executed ($1,400,000 market value x 65% LTV - $45,500 in origination charges). He will then make payments each month of $10,617 for the 2 year duration of the note. He will also make a final balloon payment of $910,000 to close the debt.
Loan Example 2
Armando is an entrepreneur in Picayune, MS who owns a building he uses for his operation. He comes to an arrangement with his business partner to buy out their ownership of the company but he does not have the personal funds to do so. To make the deal happen, he takes money out of the equity in the property through a private money cash-out refinance from BCC Investment Company. The lender performs a valuation analysis and estimates the building to be worth around $2,800,000. They agree to loan Armando 55% of the market value (the LTV). Additionally, they settle on a 13% rate of interest, a 2 year loan period, and will collect an origination fee of 3 percent at closing. Interest only payments should be made each month with the loan principle to be paid back when the loan expires. Armando receives $1,493,800 in cash from BCC Investment Company when the loan is executed ($2,800,000 estimated market value x 55% loan-to-value - $46,200 in origination charges). He will then begin making monthly payments of $16,683 for the 2 year duration of the loan. He will also make a final payment of $1,540,000 to close the debt.
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