Coyote Capital Investments

About Coyote Capital Investments

Coyote Capital Investments is private lender based in Scottsdale, AZ. They offer loans in Arizona. They provide fix and flip loans, investment property loans, and commercial loans. They provide loans with a maximum LTV of 75%. They offer loans on all of the following types of properties: single family, multi family residences, apartment buildings, office buildings, retail storefronts, and mixed use spaces.

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

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

Areas Served: AZ

Licenses: Arizona Mortgage Banking License #BK0919798, NMLS #853073

Lending Guidelines for Coyote Capital Investments

Below are the general loan guidelines published on the Coyote Capital Investments 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 Coyote Capital Investments.

Loan Example 1

Javier closes on a $260,000 rehab project in Phoenix, AZ, using a hard money loan from Coyote Capital Investments. The loan to value (LTV) on the deal is 50%. This means Javier will have to bring 50% of the purchase price to the closing and the principle will be $130,000 on the loan. The terms of the deal dictate a 11% note for 12 months. They also stipulate a 1 point origination fee, which will also have to be paid upon closing.

By the terms of the note, Javier will have to contribute a $1,300 origination fee plus 50% of the purchase price, or $130,000, since there is a 50% LTV. The lender will collect $1,192 in monthly interest payments from the borrower. This is computed by taking the total note amount of $130,000, multiplying by the 11% rate of interest, and then dividing that number by 12. At the end of the loan, he sells the renovated house for $312,000. After subtracting the $14,300 in interest expenses ($1,192 times 12 months), the $1,300 origination fee, the $130,000 principle on the loan, and the $130,000 he contributed to the closing, he will make a total profit of $36,400 ($312,000 sales price minus $275,600 in costs). This amount would be reduced by any rehab costs paid out of pocket.

Loan Example 2

Chris is a an investor in Phoenix, AZ. He finds an older property for a remodeling project and obtains a private money loan from Coyote Capital Investments with the following features:

a) A $290,000 sales price, b) a 55% loan-to-value (LTV), c) a 18 month term, d) a 10% interest rate, and e) a 1% origination fee.

Chris plans to list the house when the note expires for $348,000. If he succeeds, the deal numbers will be the following:

$348,000 sales price
- $159,500 loan principle (55% LTV)
- $130,500 cash paid at closing (45% on 55% LTV)
- $1,595 origination points (1% of the $159,500 principle)
- $23,925 interest payments (18 months x 10% interest)
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= $32,480 gross profit (does not include taxes or renovation costs)

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