Alliance Portfolio

About Alliance Portfolio

Alliance Portfolio is a hard money lender headquartered in Aliso Viejo, CA offering loans throughout San Diego and Los Angeles. They offer private refinancing, short term loans, fix-and-flip hard money loans, and commercial hard money loans. They do not require a minimum FICO score to receive a loan. They make loans on most property types, including single family units, multi family, apartment buildings, office units, retail storefronts, mixed use, and industrial facilities.

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

Areas Served: San Diego, Los Angeles, Orange County

Licenses: California Department of Real Estate - 01868859 Broker License ID

Lending Guidelines for Alliance Portfolio

Below are the general loan guidelines published on the Alliance Portfolio 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 Alliance Portfolio.

Loan Example 1

Alliance Portfolio makes a fix and flip loan to Kayla for a renovation project in San Diego, CA, on a property that costs $380,000. The loan to value (LTV) on the deal is 50%. This means that Kayla will bring 50% of the sales price to the closing and the principle amount will be $190,000 on the note. The deal also includes these features: 1) a 6 month length, 2) a 11% interest only note, and 3) a one point origination fee.

Kayla will have to contribute $190,000 at closing (50% on the 50% loan to value), plus she will need to pay the $1,900 origination fee. The monthly interest only payments will then total $1,742 to the lender. If Kayla meets her goal of a $551,000 sales price when the loan term expires, she would pocket a total profit of $158,650 after repaying the principle amount and subtracting the money she paid at closing, the origination fee, and the total interest payments.

Loan Example 2

Jillian takes out a hard money loan from Alliance Portfolio so she can remodel a townhouse to flip in San Diego, CA. The deal has the following terms:

a) A $380,000 purchase price, b) a 60% loan-to-value (LTV), c) a 6 month term, d) a 13% interest rate, and e) a 2% origination fee.

Jillian intends to sell the project at the end of the term for $475,000. If she achieves this goal, the final numbers will be as follows:

$475,000 sales price
- $228,000 note principle (60% LTV)
- $152,000 down payment (40% on 60% LTV)
- $4,560 origination fee (2% of the $228,000 principle)
- $14,820 interest payments (6 months x 13% interest)
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= $75,620 total profit (does not include taxes or renovation costs)