BRC Capital Solutions

About BRC Capital Solutions

BRC Capital Solutions is a New York, NY based private money lender. They provide funding all across the US. They offer hard money refinancing, short term fix and flip loans, commercial hard money loans, hard money bridge loans, and loans for rental properties. Their loan guidelines are flexible, including rates ranging between 8% and 14% and loan amounts up to $1,000,000 with a maximum LTV of 75%. They offer loans on all the following types of properties: single family residences, multi-family units, apartment buildings, offices, retail spaces, hotels/motels, storage facilities, assisted living communities, mixed use, undeveloped land, churches, and warehouses.

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, Land, Church, Warehouse

Areas Served: National

Lending Guidelines for BRC Capital Solutions

Below are the general loan guidelines published on the BRC Capital Solutions 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 BRC Capital Solutions.

Loan Example 1

Bernadine closes on a $250,000 rehab project in Austin, TX, using a fix and flip loan from BRC Capital Solutions. The lender agrees to make a note with a 65% loan-to-value (LTV) so they are willing to loan $162,500 on the house. The rate on the note is 13% for a term of 12 months and the lender requires a four point origination fee at the close. The interest is to be paid monthly and the principle amount will be repaid after the sale of the property.

According to the terms of the deal, Bernadine will have to contribute a $6,500 origination fee in addition to 35% of the sales price, or $87,500, based on the 65% LTV. The monthly interest only payments will then be $1,760 to BRC Capital Solutions. If Bernadine accomplishes her goal of a $350,000 sales price when the loan expires, she would pocket a total profit of $72,375 after re-paying the principle amount and subtracting the money she paid at closing, the origination fee, and the monthly interest payments.

Loan Example 2

Daisy is a real estate investor in Stockton, CA. She locates a run-down house for a rehab project and takes a fix and flip loan from BRC Capital Solutions with the following features:

$290,000 sales price
70% loan-to-value (LTV)
6 month term
8% rate of interest
2% origination fee

If Daisy succeeds in her goal of a $435,000 sales price, the outcome of the deal would be the following:

$435,000 sales price
- $203,000 principle on note (70% LTV)
- $87,000 down payment (30% on 70% LTV)
- $4,060 origination fee (2% of the $203,000 principle amount)
- $8,120 total interest paid (6 months x 8% interest)
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= $132,820 total profit (does not include taxes or renovation costs)

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