Christiansen Capital

About Christiansen Capital

Christiansen Capital is a Murrieta, CA based private money lender. They provide loans throughout San Diego. They provide loans for many different situations and needs, including investment property loans, fix-and-flip hard money loans, and commercial loans. They issue rates ranging between 8.99% and 13% and loans with a maximum LTV of 65%. They offer loans on all the following types of properties: multi family residences, apartments, industrial buildings, offices, retail storefronts, and mixed use spaces.

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

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

Areas Served: San Diego

Licenses: License #01465319, NMLS #385686

Lending Guidelines for Christiansen Capital

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

Loan Example 1

Tony closes on a $230,000 rehab project in San Diego, CA, using a fix-and-flip loan from Christiansen Capital. The borrower will be required to contribute 30% of the sales price in cash to closing based on a 70% loan to value set by the lender. This makes the loan principle from Christiansen Capital $161,000. The parameters of the deal dictate a 12% note for 18 months. They also require a 3 point origination fee, that will also have to be paid upon closing.

In addition to paying the $4,830 origination fee, Tony will also need to fund $69,000 of the purchase with his own funds, or 30% of the sales price. The lender will collect $1,610 in monthly interest from the Tony. This is calculated by taking the full note value of $161,000, multiplying by the 12% interest rate, and then dividing that amount by 12. If Tony sells the property for $299,000 after 18 months, he would then realize a gross profit of $35,190 after deducting the principle amount of $161,000, the money contributed at the close of $69,000, the origination fee of $4,830, and the aggregate interest payments of $28,980. This profit does not account for remodeling costs.

Loan Example 2

Essie is a an investor in San Diego, CA. She locates an older townhouse for a renovation project and takes a private money loan from Christiansen Capital with the following features:

a) A $210,000 purchase price, b) a 80% loan-to-value (LTV), c) a 18 month term, d) a 8% interest rate, and e) a 1% origination fee.

If Essie achieves her goal of a $273,000 sales price, the numbers of the project would be the following:

$273,000 sales price
- $168,000 loan principle (80% LTV)
- $42,000 down payment (20% on 80% LTV)
- $1,680 origination points (1% of the $168,000 principle amount)
- $20,160 total interest paid (18 months x 8% interest)
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= $41,160 total profit (does not include taxes or rehab costs)

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