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Fix and Flip Loans in Garden Grove, California
Garden Grove, CA has 50 fix-and-flip lenders in the city. The median note issued is approximately $291,731. Interest rates on private loans issued to Garden Grove borrowers average 9.1%. 17 months is the median length for loans made in the city. The average origination for loans is 3.9 percent. 75% is the median loan to value offered for offered by lenders in Garden Grove.
Loan Example 1
Kyle is a house flipper in Garden Grove, CA. He discovers an older property and decides to remodel it and sell it for a profit. The house has a cost of $350,000 but he doesn't have the full amount so he takes a fix-and-flip loan with Investors Lending. The terms of the note include a 75% loan to value (LTV), so he must bring 25% of the price as cash to closing, making the principle note amount $262,500. The terms of the deal dictate a 10% note for 12 months. They also stipulate a 4 point origination fee, which will also need to be paid upon closing.
Kyle will need to bring $87,500 at closing (25% on the 75% loan to value), plus he will need to pay the $10,500 origination fee. The lender will collect $2,188 in monthly interest payments from the borrower. This is calculated by taking the total note amount of $262,500, multiplying that by the 10% interest rate, and then dividing that number by 12. Assuming Kyle sells the renovated house for $507,500 at the end of the 12 month term, his gross profit (not including rehab expenses) would be $120,750. This is calculated by taking the sales price ($507,500) and subtracting the original principle ($262,500), the origination fee ($10,500), the funds he contributed to closing ($87,500), and the total interest payments ($26,250).
Loan Example 2
Nathan is a real estate investor in Garden Grove, CA. He buys a run-down house for a renovation project and takes a fix and flip loan from Big City Funding Group with the following features:
$190,000 sales price
70% loan to value (LTV)
12 month term
14% rate of interest
4% origination fee
If Nathan achieves his goal of a $275,500 sales price, the final numbers of the deal will be the following:
$275,500 sales price
- $133,000 note principle (70% LTV)
- $57,000 cash paid at closing (30% on 70% LTV)
- $5,320 origination points (4% of the $133,000 principle)
- $18,620 total interest paid (12 months x 14% interest)
-----------------------
= $61,560 total profit (doesn't include taxes or renovation costs)
With more than $12.3B in funded loans, Kiavi is one of the nation’s largest private lenders to residential real estate investors!
We are personally invested in every loan. We deliver easy transactions that are competitively priced and swiftly executed.
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, ...
Wilshire Quinn Capital
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REI Capital
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City Capital Realty
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Alliance Portfolio
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Center Street Lending
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Los Angeles, CA 90071
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Sequoian Investments
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212 Loans
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Hanover MC
2522 Chambers Road
Tustin, CA 92780
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Alt Financial
18022 Cowan Suite, 245
Irvine, CA
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Charger Funding
515 Encinitas Blvd, Suite 203
Encinitas, CA 92024
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California Hard Money Now
4485 La Cuenta Dr
San Diego, CA 92124
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Happy Investments Inc
1307 West Sixth Street, Suite 219
Corona, CA 92882
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Spyglass Lending
13400 Ventura Blvd
Sherman Oaks, CA 91423
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Rubicon Mortgage Fund
3575 Mt. Diablo Boulevard
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The Norris Group
1845 Chicago Avenue, Suite C
Riverside, CA 92507
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Trilion Capital
12636 High Bluff Drive, Suite 400
San Diego, CA 92130
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LBC Capital
6350 Laurel Canyon, Suite 350
North Hollywood, CA 91606
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Sun Pacific Mortgage & Real Estate
1400 N Dutton Ave #22
Santa Rosa, CA 95401
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Nationwide Mortgage
1963 OToole Way Suite 200
San Jose, CA 92691
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Stratton Equities
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FK Capital Fund
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Anchor Loans
5230 Las Virgenes Rd, Suite 105
Calabasas, CA 91302
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Lending Xpress
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Irvine, CA 92614
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Capella Mortgage
3765 E. Sunset Road B9
Las Vegas, NV 89120
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Karpe Real Estate Center
8501 Camino Media, Suite 400
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California Home Solutions
20301 Ventura Blvd, Suite 302
Woodland Hills, CA 91364
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California Hard Money Direct
13547 Ventura Boulevard #177
Sherman Oaks, CA 91423
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Galloway Lending
1103 Quaker St
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Convisions Capital Group
5709 Enoree Lane
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Standard Home Lending Inc
13223 Ventura Blvd, Suite G
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McMillen Capital, LLC
1215 N. Parker St
Orange, CA 92867
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Infinite Realty and Loans
28602 Midsummer Lane
Menifee, CA 92584
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AmeriStar Financing
2 Ryley Court
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Seaside Funding Inc
6965 El Camino Real, Suite 105-545
Carlsbad, CA 92009
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Lending Associates
PO Box 28327
San Diego, CA 92198
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Spinnaker Loans, Inc
123 E. 9th St #301
Upland, CA 91786
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Rehab Loan Group
3585 Main Ave, Suite 208
Riverside, CA 92501
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PDJ's Private Lenders Network
P.O. Box 359
Simi Valley, CA 93062
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Pacific Mortgage Exchange
73241 Hwy 111, Suite 1A
Palm Desert, CA 92260
Pacific Mortgage Exchange is private lender headquartered in Palm Desert, CA. They provide funding throughout Southern California. They offer lending solutions for a variety of situations and needs, including private commercial loans and fix-and-flip loans. ...
Joseph Martelli Real Estate Investments
30 Corporate Park, Suite 100
Irvine, CA 92606
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Alta Equities
13681 Newport Avenue, Suite 8311
Tustin, CA 92780
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Lincoln Equity Inc
171 S Anita Drive, Suite 200
Orange, CA 92868
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Hard Money Go
10100 Santa Monica Blvd. Suite #300
Century City, CA 90067
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Louie Loans
350 11TH AVE SUITE 134
San Diego, CA 92101
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Jim Lackey Associates
2240 Encinitas Blvd., Suite D, #109
Encinitas, CA 92024
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Cornerstone Company
Buena Park, CA
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Legacy Private Funding
1420 N. Claremont Blvd, Suite 100
Claremont, CA 91711
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