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.
Investment Property Loans in Colchester, Vermont
Colchester, VT has 20 investment property lenders serving the city. Note amounts average about $508,409. Rates for loans average about 10.1%. The typical length offered for loans is 38 months. A typical loan made in the city includes a 2.7 percent origination charge. Lenders in Colchester average a 74% loan to value (LTV) on their loans.
Loan Example 1
North End Investments makes a private money loan to Bruce, a local real estate investor in Colchester, VT who wishes to buy a $380,000 rental house. The lender loans Bruce 85% of the value of the property (LTV), so he will have to fund the other 15%. By the terms of the loan, the note will be for 4 years at 11% interest. An origination fee of 5 points will be paid when the deal closes and Bruce will have to make interest-only payments with a balloon payment for the principle paid when the note expires. By this scenario, Bruce will have to put down $57,000 of his own funds into the deal along with the $16,150 origination fee (5% x $323,000 principle amount). He will then have to make interest payments of $2,961 per month.
Loan Example 2
Bill decides to acquire a rental house in Colchester, VT that is listed for $390,000. Because he is short on cash for the transaction and cannot secure a bank loan, he gets a private money loan from Assurance Investment Corporation. Bill and Assurance Investment Corporation agree to a 70% loan-to-value (LTV) so they will loan 70% of the list price and Bill will have to fund the remaining 30%. By the parameters of the loan, the note is for 1 years at a 12% rate of interest. An origination fee of 2 points will be paid when the deal closes and Bill will make interest-only payments with a balloon payment of the principle amount paid at the end of the deal. Given this deal, Bill will need to make the following payments: 1) $117,000 down payment when the deal closes (based on the 70% LTV), 2) $5,460 in origination points (2% x $273,000 principle), and 3) $2,730 monthly in interest payments.
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Stratton Equities
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Atlanta, GA 30309
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Stormfield Capital
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Patch Lending
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Peak Choice Capital
601 Silver Creek Drive
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New Silver
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REI Capital
5660 Strand Court
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Capstone Financial
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ABC Capital Investments
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8431 Liberty Avenue
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9465 Counselors Way, Suite 200
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