AMUSA Commercial Capital

About AMUSA Commercial Capital

AMUSA Commercial Capital is a Dallas, TX based private money lender. They provide funding throughout the country. Their lending focus is mainly on non-bankable commercial real estate loans and Investment 1 to 4 loans. Their loan guidelines are flexible, including loan amounts ranging from $100,000 to $5,000,000. They will make loans on most types of properties, including multi family residences, apartments, office buildings, retail spaces, hotels/motels, storage facilities, senior living communities, mixed use, warehouse buildings, industrial facilities, and medical offices.Credit Scores down to 500Tax returns are not required on most loan programsStated Income and Bank Statement programs Fast Closings

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

Property Types Covered: Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Warehouse, Industrial, Medical

Areas Served: National

Lending Guidelines for AMUSA Commercial Capital

Below are the general loan guidelines published on the AMUSA Commercial 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 AMUSA Commercial Capital.

Loan Example 1

AMUSA Commercial Capital makes a hard money loan to Meagan for the acquisition of a new warehouse after she is denied a commercial mortgage by her bank due to a low credit rating. Because the borrower and lender contract to a 70% loan to value (LTV), Meagan will pay $120,000 toward the closing and the loan principle amount will be $280,000 since the price of the new building is $400,000. The deal also includes a 12 month term, a 10% interest rate, interest only payments paid monthly with a final payment when the note expires (without a pre-payment penalty), and a 5 point origination charge. Meagan may eliminate the loan at any point if she pays back the $280,000 in principle, but she will be required to pay $2,333 per month interest payments ($280,000 principle value x 10% interest rate / 12 months in a year) in the interim, or until the loan expires. Since there isn't a pre-payment penalty, the only additional cost she will have is the $14,000 origination points which she will contribute when the deal closes.

Loan Example 2

Jordan locates a townhouse in Boca Raton, FL to rehab and resell. Because he does not have enough cash to buy the property outright, he takes a hard money loan from AMUSA Commercial Capital with the following parameters:

$390,000 sales price
80% loan-to-value (LTV)
6 month term
11% rate of interest
5% origination fee

Based on a $565,500 sales price after the 6 month term, the numbers for the project would look like the following:

$565,500 sales price
- $312,000 loan principle (80% LTV)
- $78,000 cash paid at closing (20% on 80% LTV)
- $15,600 origination fee (5% of the $312,000 principle)
- $17,160 total interest paid (6 months x 11% interest)
-----------------------
= $142,740 total profit (does not include taxes or rehab costs)