Greenbriar Holdings

About Greenbriar Holdings

Based in Roseville, CA, Greenbriar Holdings is a private lender offering funding in Sacramento and South Lake Tahoe. They offer private commercial loans, bridge loans, loans for investments properties, fix-and-flip hard money loans, and private refinancing. Their loan parameters are flexible, including rates starting at 10% , terms between 6 months and 2 years, and loan amounts ranging from $30,000 to $1,000,000 with a maximum LTV of 80%. They primarily provide funding for single family units, multi-family, and undeveloped land.

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, Land

Areas Served: Sacramento, South Lake Tahoe, Yolo County

Lending Guidelines for Greenbriar Holdings

Below are the general loan guidelines published on the Greenbriar Holdings 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 Greenbriar Holdings.

Loan Example 1

Dee finds a condo in Sacramento, CA to rehab and resell. Since she does not have enough cash to acquire the $170,000 project outright, she decides to take out a fix-and-flip loan from Greenbriar Holdings. The terms of the loan include a 50% loan to value (LTV), so she must bring 50% of the price as cash to closing, which makes the principle note amount $85,000. The note is interest-only, paid monthly, and is for 12 months at 11% interest with 1 points to be paid at closing.

The borrower will need to bring a total of $32,400 upon closing to pay the $85,000 down payment plus the $850 origination fee. she will then pay $779 monthly to Greenbriar Holdings. If Dee achieves her goal of a $221,000 total sales price when the loan expires, she would pocket a gross profit of $40,800 after re-paying the principle on the note and subtracting the money she contributed at closing, the origination points, and the total interest payments.

Loan Example 2

Greenbriar Holdings makes a private money loan to Cassie for a rehab project in Sacramento, CA. The deal includes the following:

a) A $360,000 purchase price, b) a 70% loan-to-value (LTV), c) a 6 month term, d) a 11% interest rate, and e) a 2% origination fee.

Assuming a $540,000 sales price at the end of the 6 month term, the final numbers for the deal would look like this:

$540,000 sales price
- $252,000 note principle (70% LTV)
- $108,000 down payment (30% on 70% LTV)
- $5,040 origination points (2% of the $252,000 principle)
- $13,860 total interest paid (6 months x 11% interest)
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= $161,100 total profit (does not include taxes or renovation costs)

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