AHL Private Money

About AHL Private Money

AHL Private Money is a private money lender based in Tampa, FL providing loans in Florida. They offer lending solutions for many different situations and needs, including fix-and-flip loans, private commercial loans, investment property loans, hard money refinancing, and short term bridge loans. Their lending parameters are versatile, including loan amounts ranging from $250,000 to $10,000,000 and rates ranging between 9% and 12.99%. They do not require their borrowers to have a minimum credit rating to obtain a loan. They offer loans on numerous types of properties, including single family, multi family, apartment buildings, office buildings, retail units, hotels, storage facilities, senior housing facilities, mixed use spaces, warehouse spaces, industrial facilities, and medical buildings.

Loan Types Offered: Investment Property Loans, 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: FL

Lending Guidelines for AHL Private Money

Below are the general loan guidelines published on the AHL Private Money 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 AHL Private Money.

Loan Example 1

Marissa is a house flipper in Miami, FL. She discovers a run-down property for sale and wants to remodel it and flip it for a profit. The property costs $250,000 but she doesn't have the full amount so she obtains a fix and flip loan with AHL Private Money. The terms of the deal include a 60% loan to value (LTV), so she must bring 40% of the price as cash at closing, making the principle note amount $150,000. The interest rate on the loan is 10% for a term of 12 months and the company requires a five point origination fee at closing. The interest payments are to be paid monthly and the principle amount will be repaid after the property sells.

By the parameters of the deal, Marissa will be required to pay a $7,500 origination fee plus 40% of the purchase price, or $100,000, since there is a 60% LTV. The lender will collect $1,250 in monthly interest payments from the Marissa. This is calculated by taking the total loan value of $150,000, multiplying that by the 10% rate of interest, and then dividing that amount by 12. If Marissa sells the property for $350,000 after 12 months, she would then realize a total profit of $77,500 after subtracting the original principle of $150,000, the cash paid at the close of $100,000, the origination points of $7,500, and the aggregate interest payments of $15,000. This profit doesn't account for remodeling costs.

Loan Example 2

AHL Private Money makes a loan to Felicia for a rehab project in Miami, FL. The deal includes the following:

$390,000 sales price
50% loan-to-value (LTV)
12 month term
13% interest rate
5% origination fee

Assuming a $468,000 sales price after the 12 month term, the outcome for this project would look like this:

$468,000 sales price
- $195,000 loan principle (50% LTV)
- $195,000 down payment (50% on 50% LTV)
- $9,750 origination points (5% of the $195,000 principle)
- $25,350 total interest paid (12 months x 13% interest)
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= $42,900 gross profit (does not include taxes or rehab costs)

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