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 Michigan City, Indiana
Michigan City, IN has 37 hard money lenders operating within the city. The average amount for loans is $301,111. Rates on private loans issued to Michigan City borrowers average around 10.4%. The median term for notes is 48 months. The average loan made in this city carries a 3.0 point origination fee. 76% is the mean loan-to-value for for loans in Michigan City.
Loan Example 1
Cynthia owns and operates a small business in Michigan City, IN. She runs her operation out of a commercial building that she owns in full. She goes to Flippers Finance Corporation for a cash out refinancing after she is denied a loan by her local bank to pay for her business's future inventory requirements. In exchange for a deed of trust on the building, the lender will loan Cynthia 50% of its $2,800,000 market value. The lender will deduct 3 origination points when the deal closes and will collect interest-only payments at 14% for 4 years. The principle is to be paid off in a single balloon payment when the loan expires. Cynthia receives $1,358,000 in cash from Flippers Finance Corporation when the loan is closed ($2,800,000 market value x 50% LTV - $42,000 in origination fees). She will then begin making monthly payments in the amount of $16,333 for the 4 year length of the loan. She will then make one final balloon payment of $1,400,000 to close the debt.
Loan Example 2
Gabriel owns a business in Michigan City, IN. He runs his operations from a warehouse that he owns outright. So he can generate much needed funds to expand his business, he cashes out some of the equity in his property through a private money cash out refinance from Blue Door Lending Group. The lender carries out a valuation comparison and determines the real estate is valued at $2,200,000. They decide to loan Gabriel 70% of the estimated market value (the LTV). The lender will subtract 4 origination points at the closing and will then collect interest only payments at 9% for 4 years. The principle is to be paid off in one balloon sum when the loan expires. According to the parameters of this loan, Blue Door Lending Group will give Gabriel a total of $1,478,400 on his property ($2,200,000 estimated market value x 70% LTV - $61,600 in origination charges). Gabriel will pay $11,550 per month in interest until the loan matures and will then return the $1,540,000 face amount on the loan.
With more than $12.3B in funded loans, Kiavi is one of the nation’s largest private lenders to residential real estate investors!
Funding Fix & Flip, Ground-Up Construction, and DSCR loans in 35 States. We're the lender for real estate entrepreneurs looking for fast funding, fair pricing, and amazing service.
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201 East McBee Ave, Suite 300
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Dominion Financial
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2475 Albany Ave #203B
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1485 International Parkway, Suite 1031
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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
Boca Raton, FL 33487
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Great Neck, NY 11021
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