GW Private Capital

About GW Private Capital

GW Private Capital is a Whittier, CA based private lender. They offer funding in California. They offer loans for rental properties, hard money loans for commercial properties, fix and flip loans, cash out hard money loans, hard money bridge loans, and construction loans. They issue loan amounts ranging from $30,000 to $30,000,000 with a maximum LTV of 75% and rates ranging between 6% and 10%. Their loan parameters do not include a minimum credit rating. They offer loans on the following property types: single family, multi family, apartments, office buildings, retail spaces, hotels and motels, storage facilities, senior housing facilities, mixed use spaces, undeveloped land, churches, warehouses, and industrial buildings.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, New Construction Loans, Refinance / Cash Out Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Land, Church, Warehouse, Industrial

Areas Served: CA

Lending Guidelines for GW Private Capital

Below are the general loan guidelines published on the GW Private 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 GW Private Capital.

Loan Example 1

Jimmie finds a house in Los Angeles, CA to rehab and sell. Since he does not have enough cash available to purchase the $150,000 property outright, he decides to take out a fix and flip loan from GW Private Capital. The borrower will need to bring 45% of the purchase price in cash to the closing based on a 55% loan-to-value stipulated by the lending company. This makes the principle note from GW Private Capital $82,500. The loan also includes the following features: 1) a 6 month term, 2) a 13% interest only note, and 3) a one percent origination fee.

Accordingly, the borrower will be required to make a $67,500 down payment in addition to paying a $825 origination fee. The monthly interest only payments will then be $894 to the lender. If Jimmie accomplishes his goal of a $195,000 sales price when the loan term expires, he would collect a gross profit of $38,813 after re-paying the principle on the note and deducting the cash he paid at closing, the origination fee, and the total monthly interest payments.

Loan Example 2

Marissa finds a townhouse in Los Angeles, CA to remodel and sell. Because she does not have enough cash to buy the property outright, she takes a fix and flip loan from GW Private Capital with the following parameters:

$310,000 purchase price
65% loan to value (LTV)
6 month term
13% rate of interest
1% origination fee

Assuming a $403,000 sales price after the 6 month term, the final numbers for this project would look like this:

$403,000 sales price
- $201,500 principle on note (65% LTV)
- $108,500 down payment (35% on 65% LTV)
- $2,015 origination points (1% of the $201,500 principle amount)
- $13,098 total interest paid (6 months x 13% interest)
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= $77,888 gross profit (doesn't include taxes or renovation costs)

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