A to Z Capital

About A to Z Capital

Based in Fort Lauderdale, FL, A to Z Capital is a private money lender providing funding throughout Florida. They provide loans for a variety of situations and needs, including hard money loans for commercial properties, fix-and-flip loans, short term bridge loans, and cash out loans. They offer loan amounts ranging from $50,000 to $2,000,000 with a maximum LTV of 75%. They will make loans on most property types, including single family units, multi family residences, apartments, offices, retail units, storage facilities, mixed use, and warehouse buildings.

Loan Types Offered: Fix and Flip Loans, Commercial Hard Money Loans, Refinance / Cash Out Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Storage, Mixed Use, Warehouse

Areas Served: FL

Lending Guidelines for A to Z Capital

Below are the general loan guidelines published on the A to Z Capital website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by A to Z Capital.

Loan Example 1

Guy closes on a $320,000 rehab project in Miami, FL, using a fix and flip loan from A to Z Capital. The lender agrees to write a note with a 55% loan to value (LTV) so they will extend $176,000 on the house. The loan also has these features: 1) a 12 month length, 2) a 13% interest only note, and 3) a one point origination fee.

Accordingly, the borrower will be required to make a $144,000 down payment in addition to paying a $1,760 origination fee. The monthly interest only payments will then be $1,907 to A to Z Capital. Assuming Guy sells the rehabed house for $448,000 at the end of the 12 month term, his total profit (not accounting for rehab expenses) would be $103,360. This is calculated by taking the sales price ($448,000) and subtracting the original note amount ($176,000), the origination cost ($1,760), the funds he brought to closing ($144,000), and the total interest payments ($22,880).

Loan Example 2

Jeff takes a loan from A to Z Capital in order to renovate a property to resell in Miami, FL. The deal has the following terms:

$400,000 purchase price
80% loan to value (LTV)
18 month term
12% interest rate
2% origination fee

Once the renovation project is finished, if Jeff sells the house for $560,000, the numbers would be as follows:

$560,000 sales price
- $320,000 principle on note (80% LTV)
- $80,000 down payment (20% on 80% LTV)
- $6,400 origination points (2% of the $320,000 principle)
- $57,600 interest payments (18 months x 12% interest)
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= $96,000 gross profit (does not include taxes or rehab costs)