Adler Private Lending

About Adler Private Lending

Adler Private Lending is a hard money lender based in Fairfax, VA offering loans throughout Washington DC, Maryland, and Virginia. They provide loans for many different scenarios, including bridge loans, cash out hard money loans, private commercial loans, and fix and flip loans. They offer loan amounts starting at $100,000. They do not require their borrowers to have a minimum FICO rating to obtain a loan. They provide loans on various property types, including single family homes, multi family residences, apartments, office units, retail units, mixed use buildings, industrial buildings, and warehouses.

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, Mixed Use, Industrial, Warehouse

Areas Served: DC, MD, VA

Lending Guidelines for Adler Private Lending

Below are the general loan guidelines published on the Adler Private Lending 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 Adler Private Lending.

Loan Example 1

Adler Private Lending issues a hard money loan to Emma for a remodeling project in Baltimore, MD, on a property that is listed for $190,000. The borrower will be required to bring 30% of the purchase price in cash to closing based on a 70% loan-to-value stipulated by the lender. This makes the loan principle from Adler Private Lending $133,000. The deal also consists of these features: 1) a 12 month term, 2) a 13% interest only note, and 3) a five point origination charge.

Emma will need to bring $57,000 to closing (30% on the 70% LTV), plus she will pay the $6,650 origination fee. After the deal closes, she will pay Adler Private Lending $1,441 in monthly interest payments, or 13% multiplied times $133,000 divided by 12 months in a year. If Emma achieves her goal of a $256,500 total sales price when the loan term expires, she would make a total profit of $42,560 after repaying the principle amount and subtracting the cash she brought to closing, the origination points, and the total monthly interest payments.

Loan Example 2

Roy takes out a fix and flip loan from Adler Private Lending so he can remodel a townhome to flip in Baltimore, MD. The loan has the following terms:

a) A $370,000 purchase price, b) a 60% loan-to-value (LTV), c) a 6 month term, d) a 14% interest rate, and e) a 4% origination fee.

After the renovation project is finished, if Roy sells the property for $536,500, the numbers would be the following:

$536,500 sales price
- $222,000 principle on note (60% LTV)
- $148,000 cash paid at closing (40% on 60% LTV)
- $8,880 origination fee (4% of the $222,000 principle)
- $15,540 total interest paid (6 months x 14% interest)
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= $142,080 gross profit (does not include taxes or rehab costs)

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