DH Capital

About DH Capital

DH Capital is a Huntington Beach, CA based private lender. They offer funding throughout California. They offer fix and flip hard money loans and private commercial loans. Their loan parameters are versatile, including rates ranging between 10% and 14%. They will lend funds to all borrowers based on the value of the property and not on a minimum credit rating. They provide loans on most property types, including single family homes, multi-family units, apartments, undeveloped land, office units, retail storefronts, and industrial buildings.

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

Property Types Covered: Single Family, Multi Family, Apartment, Land, Office, Retail, Industrial

Areas Served: CA

Lending Guidelines for DH Capital

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

Loan Example 1

DH Capital makes a private money loan to Tasha for a rehab project in Los Angeles, CA, on a house that is listed for $360,000. Because the lender agrees to a 50% loan-to-value, Tasha will have to put 50% down and the total amount of the note will be $180,000. The parameters of the deal dictate a 13% note for 6 months. They also require a 1 point origination fee, which will also need to be paid at closing.

Therefore, the borrower will have to contribute a $180,000 down payment in addition to paying a $1,800 origination fee. The monthly interest only payments will then be $1,950 to DH Capital. If she sells the rehabed project for $432,000 at the end of the 6 month term, her gross profit (not accounting for renovation costs) would be $58,500. This is calculated by taking the purchase price ($432,000) and subtracting the original note amount ($180,000), the origination cost ($1,800), the cash she contributed to closing ($180,000), and the total interest expenses ($11,700).

Loan Example 2

Dora is a an investor in Los Angeles, CA. She buys a run-down townhouse for a rehab project and takes a private money loan from DH Capital with the following features:

$250,000 purchase price
85% loan to value (LTV)
18 month term
12% interest rate
3% origination fee

If Dora achieves her goal of a $325,000 sales price, the outcome of the deal would be the following:

$325,000 sales price
- $212,500 note principle (85% LTV)
- $37,500 down payment (15% on 85% LTV)
- $6,375 origination points (3% of the $212,500 principle amount)
- $38,250 interest payments (18 months x 12% interest)
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= $30,375 gross profit (doesn't include taxes or renovation costs)

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