Aero Capital Finance

About Aero Capital Finance

Aero Capital Finance is a Kissimmee, FL based private lender. They provide loans in 18 states throughout the United States. They offer loans for a variety of scenarios, including private refinancing, fix and flip loans, hard money loans for commercial properties, and bridge loans. Their lending guidelines are versatile, including terms between 6 months and 12 months, rates starting at 7.99% , and loans with a maximum LTV of 75%. They offer loans on numerous property types, including single family homes, multi family, apartments, offices, retail storefronts, hotels and motels, storage facilities, senior communities, mixed use buildings, warehouse spaces, industrial facilities, and medical 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, Hotel, Storage, Assisted Living, Mixed Use, Warehouse, Industrial, Medical

Areas Served: CO, GA, TN, TX, WA, WV, VA, FL, IL, OH, MO, MI, CT, MD, PA, MA, KY, SC

Lending Guidelines for Aero Capital Finance

Below are the general loan guidelines published on the Aero Capital Finance 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 Aero Capital Finance.

Loan Example 1

Roxanne closes on a $210,000 renovation project in Houston, TX, using a fix and flip loan from Aero Capital Finance. The terms of the deal include a 55% loan to value (LTV), so she must bring 45% of the price as cash at closing, making the principle note amount $115,500. The note is interest only, with monthly payments, and is for 6 months at 12% interest with 2 points to be paid at closing.

Therefore, the borrower will have to contribute a $94,500 down payment plus pay a $2,310 origination fee. After the deal is closed and Roxanne takes over the project, she will begin making payments each month of $1,155 to the lender ($115,500 principle x 12% / 12 months). At the expiration of the note, she sells the renovated property for $315,000. After subtracting the $6,930 in total interest payments ($1,155 multiplied by 6 months), the $2,310 origination fee, the $115,500 principle amount on the note, and the $94,500 she brought to the closing, she will earn a total profit of $95,760 ($315,000 price minus $219,240 in costs). This profit would be reduced by any renovation costs paid by the borrow.

Loan Example 2

Timothy takes out a loan from Aero Capital Finance so he can remodel a townhome to re-sell in Houston, TX. The deal has the following parameters:

a) A $190,000 purchase price, b) a 80% loan-to-value (LTV), c) a 6 month term, d) a 9% interest rate, and e) a 4% origination fee.

Assuming a $285,000 sales price at the end of the 6 month term, the outcome for this deal would look like this:

$285,000 sales price
- $152,000 principle (80% LTV)
- $38,000 down payment (20% on 80% LTV)
- $6,080 origination fee (4% of the $152,000 principle amount)
- $6,840 interest payments (6 months x 9% interest)
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= $82,080 gross profit (doesn't include taxes or rehab costs)

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