Hanson Capital Group

About Hanson Capital Group

Hanson Capital is a collateral based lender, so credit isn´t as important to us as the real estate itself. Our goal is to keep the process as simple as possible, from the initial screening to approval.At Hanson Capital, we’re more than just a lender, we’re making money easy. From our expansive network of real estate lenders to our abundance of experience in the investment industry, we can help you turn a run-of-the-mill deal into an investment steal.We understand the lending process can seem overwhelming and complicated with all of the moving pieces involved.We’ve streamlined the process to get you from start to finish within the comfort of your own home, in as little as 3 days. We can help you through the full life cycle of your ownership at all phases of the real estate transaction, from dirt to development, and from bridge to permanent. We believe the proper leverage and financing is the best way to grow long term wealth in real estate.

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

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

Areas Served: AZ, CA, TX, FL, WA

Licenses: NMLS #1115218

Lending Guidelines for Hanson Capital Group

Below are the general loan guidelines published on the Hanson Capital Group 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 Hanson Capital Group.

Loan Example 1

Hanson Capital Group makes a fix-and-flip loan to Bruce for a remodeling project in Houston, TX, on a house that is listed for $370,000. As the lender sets a 65% loan-to-value, Bruce will have to put 35% down and the amount of the loan will be $240,500. The deal also has these features: 1) a 12 month term, 2) a 12% interest only note, and 3) a four percent origination charge.

In addition to paying the $9,620 origination fee, Bruce will also need to fund $129,500 of the purchase with his own cash, or 35% of the purchase price. Hanson Capital Group will collect $2,405 in monthly interest from the Bruce. This is calculated by taking the total loan value of $240,500, multiplying by the 12% interest rate, and then dividing that number by 12. If Bruce sells the project for $444,000 after 12 months, he would then earn a total profit of $35,520 after deducting the principle of $240,500, the money contributed at the close of $129,500, the origination fee of $9,620, and the aggregate interest payments of $28,860. This gross profit doesn't account for rehab costs.

Loan Example 2

Rose is a real estate investor in Houston, TX. She locates a run-down property for a renovation project and takes out a hard money loan from Hanson Capital Group with the following features:

a) A $330,000 sales price, b) a 80% loan to value (LTV), c) a 6 month term, d) a 9% interest rate, and e) a 4% origination fee.

After the renovation project is complete, if Rose sells the project for $429,000, the final numbers would be the following:

$429,000 sales price
- $264,000 note principle (80% LTV)
- $66,000 cash paid at closing (20% on 80% LTV)
- $10,560 origination fee (4% of the $264,000 principle)
- $11,880 total interest paid (6 months x 9% interest)
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= $76,560 total profit (doesn't include taxes or rehab costs)

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