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 Prairieton, Indiana
Prairieton, IN has 36 lenders operating in the city. Note amounts average about $293,611. The median interest rate for hard money loans in Prairieton is 10.2%. The average length for notes is 36 months. The average origination percentage added to the loans is 2.9%. Lenders typically offer a 72% loan-to-value (LTV) on loans in Prairieton.
Loan Example 1
Lenora owns a business in Prairieton, IN. She runs her operation from a commercial building which she owns in full. She makes an agreement with her business partner to buy out their ownership of the enterprise 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 through a hard money cash-out refinance loan through USA Lending Company. The lender does a market value analysis and estimates the building is worth around $1,600,000. They decide to loan Lenora 60% of this estimated market value (the LTV). The other specifications of the deal are as follows : 1) a 11% rate of interest, 2) a 2 year term with interest-only payments paid each month, and 3) 2 points paid at the close. The principle will be $960,000 but USA Lending Company will front Lenora $940,800 after subtracting the origination fee of $19,200. Additionally, they will collect $8,800 in monthly interest payments until they are paid back when the loan matures.
Loan Example 2
Bradley owns a an office building he uses for his company's operations in Prairieton, IN. He goes to West Side Funding Group for a cash-out refinance after he is rejected for a loan by his credit union for his company's future operational needs. The lender carries out a market value comparison and deems the property is valued at $2,500,000. They agree to loan Bradley 55% of this estimated market value (the LTV). The lender will start collecting interest-only payments for a 2 year term. Additionally, they will subtract 1 points when the loan closes and will have the principle paid back in a balloon sum when the note expires. Bradley will receive $1,361,250 in cash from West Side Funding Group when the loan is executed ($2,500,000 value x 55% loan to value - $13,750 in origination points). He will then begin making monthly payments in the amount of $14,896 for the 2 year term of the note. He will then make a final payment of $1,375,000 to retire the debt.
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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