Capital Market Funds

About Capital Market Funds

Capital Market Funds is private lender based in Scottsdale, AZ. They provide funding throughout Phoenix. They provide lending solutions for many different scenarios, including hard money bridge loans, rental property loans, private commercial loans, and short term fix and flip loans. They provide loan amounts starting from $75,000 with a maximum LTV of 90%, terms up to 1 year, and rates ranging between 12% and 18%. They require their borrowers to have a minimum FICO rating of 650 to receive a loan. They offer loans on all of the following types of properties: single family units, multi-family units, apartments, office units, retail storefronts, and mixed use.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Mixed Use

Areas Served: Phoenix

Lending Guidelines for Capital Market Funds

Below are the general loan guidelines published on the Capital Market Funds 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 Capital Market Funds.

Loan Example 1

Mercedes takes a fix-and-flip loan from Capital Market Funds in order to rehab a condo to flip in Phoenix, AZ. The sales price of the house is $240,000. The lender agrees to write a loan with a 75% loan to value (LTV) so they are willing to extend $180,000 on the property. The parameters of the loan dictate a 13% note for 18 months. They also require a 2 point origination fee, that will also need to be paid when the property closes.

Mercedes will have to contribute a total of $32,400 upon closing to pay the $60,000 down payment plus the $3,600 origination fee. The monthly interest-only payments will then total $1,950 to Capital Market Funds. Mercedes's intention is to finish the house by the end of the 18 months and re-sell it for $348,000. If she succeeds she will make a profit of $69,300 ($348,000 price - $180,000 principle amount - $60,000 funds brough to closing - $3,600 origination points - $35,100 in interest.

Loan Example 2

Leonard takes a private money loan from Capital Market Funds in order to renovate a townhouse to flip in Phoenix, AZ. The loan has the following parameters:

a) A $360,000 sales price, b) a 85% loan-to-value (LTV), c) a 18 month term, d) a 8% interest rate, and e) a 2% origination fee.

Assuming a $450,000 sales price at the end of the 18 month term, the final numbers for the deal would look like the following:

$450,000 sales price
- $306,000 principle on note (85% LTV)
- $54,000 cash paid at closing (15% on 85% LTV)
- $6,120 origination points (2% of the $306,000 principle amount)
- $36,720 interest payments (18 months x 8% interest)
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= $47,160 total profit (does not include taxes or renovation costs)

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