
With more than $12.3B in funded loans, Kiavi is one of the nation’s largest private lenders to residential real estate investors!
Suisun City, CA has 50 lenders serving the city. The average note issued is about $320,536. Interest rates on private loans made to Suisun City borrowers average about 9.9%. The average loan issued in the city is for 29 months. A typical hard money loan made in the city includes a 3.0 percent origination charge. 68% is the median loan-to-value offered for for loans in Suisun City.
Vickie closes on a $390,000 rehab project in Suisun City, CA, using a private money loan from North End Investments. The loan to value (LTV) on the deal is 60%. This means Vickie will bring 40% of the sales price to the closing and the principle will be $234,000 on the loan. The terms of the loan dictate a 10% note for 18 months. They also require a 3 point origination fee, that will also have to be paid upon closing.
Vickie will need to contribute $156,000 to closing (40% on the 60% loan-to-value), plus she will have to pay the $7,020 origination fee. Once the loan is executed and Vickie takes over the project, she will need to begin making payments each month of $1,950 to the lender ($234,000 principle x 10% / 12 months). If Vickie sells the house for $585,000 after 18 months, she would then make a total profit of $152,880 after deducting the principle amount of $234,000, the money paid at closing of $156,000, the origination points of $7,020, and the aggregate interest payments of $35,100. This amount doesn't account for rehab costs.
Erik is a real estate investor in Suisun City, CA. He purchases an older townhouse for a renovation project and takes out a hard money loan from Famous Funding Corporation with the following terms:
a) A $160,000 purchase price, b) a 70% loan to value (LTV), c) a 12 month term, d) a 11% interest rate, and e) a 4% origination fee.
Based on a $208,000 sales price at the end of the 12 month term, the outcome for this deal would look like this:
$208,000 sales price
- $112,000 principle on note (70% LTV)
- $48,000 cash paid at closing (30% on 70% LTV)
- $4,480 origination fee (4% of the $112,000 principle amount)
- $12,320 interest payments (12 months x 11% interest)
-----------------------
= $31,200 gross 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!
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