Arixa Capital

About Arixa Capital

Headquartered in Los Angeles, CA, Arixa Capital is a private money lender providing loans throughout California. They offer lending solutions for many different situations, including ground-up construction loans, buy and hold loans, short term loans, hard money loans for commercial properties, short term fix and flip loans, and private refinancing. They provide loan amounts ranging from $100,000 to $10,000,000 with a maximum LTV of 75%, rates ranging between 8% and 10%, and terms between 3 months and 18 months. They offer loans on many property types, including single family units, multi-family, apartment buildings, office buildings, retail units, hotels/motels, storage buildings, senior housing communities, mixed use buildings, warehouse buildings, industrial facilities, and medical offices.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, New Construction 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: CA

Lending Guidelines for Arixa Capital

Below are the general loan guidelines published on the Arixa 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 Arixa Capital.

Loan Example 1

Margo finds a duplex in Los Angeles, CA to flip and sell. Since she doesn't have enough cash available to purchase the $160,000 project outright, she decides to take out a hard money loan from Arixa Capital. The loan-to-value (LTV) on the deal is 50%. This means Margo will need to bring 50% of the purchase price to closing and the principle will be $80,000 on the deal. The note is interest only, paid monthly, and is for 6 months at 8% interest with 4 points to be paid at the closing.

In accordance with the terms of the deal, Margo will have to contribute a $3,200 origination fee plus 50% of the purchase price, or $80,000, based on the 50% LTV. she must then pay $533 per month to Arixa Capital. If Margo sells the property for $192,000 after 6 months, she would then earn a gross profit of $25,600 after subtracting the principle of $80,000, the cash paid at closing of $80,000, the origination points of $3,200, and the aggregate interest payments of $3,200. This amount doesn't include renovation costs.

Loan Example 2

Arixa Capital makes a private money loan to Billy for a rehab project in Los Angeles, CA. The loan includes the following:

a) A $390,000 sales price, b) a 70% loan to value (LTV), c) a 12 month term, d) a 8% interest rate, and e) a 4% origination fee.

Based on a $487,500 sales price at the end of the 12 month term, the final numbers for this deal would look like the following:

$487,500 sales price
- $273,000 loan principle (70% LTV)
- $117,000 down payment (30% on 70% LTV)
- $10,920 origination points (4% of the $273,000 principle)
- $21,840 total interest paid (12 months x 8% interest)
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= $64,740 total profit (does not include taxes or renovation costs)