Holt Investment Capital

About Holt Investment Capital

Holt Investment Capital is a private lender headquartered in Houston, TX providing funding throughout Houston. They provide loans for investments properties and fix and flip loans. They provide rates ranging between 10% and 14%, terms between 3 months and 1 year, and loan amounts ranging from $50,000 to $1,000,000 with a maximum LTV of 70%. They do not require a minimum FICO rating to obtain a loan. The focus of their loans is for single family units and multi family.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans

Property Types Covered: Single Family, Multi Family

Areas Served: Houston

Lending Guidelines for Holt Investment Capital

Below are the general loan guidelines published on the Holt Investment 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 Holt Investment Capital.

Loan Example 1

Holt Investment Capital issues a fix and flip loan to Russell for a renovation project in Houston, TX, on a property that costs $240,000. The loan-to-value (LTV) on the note is 70%. This means that Russell will bring 30% of the purchase price to closing and the principle will be $168,000 on the loan. The interest rate on the note is 9% for a length of 18 months and the lender requires a five point origination fee at the closing. The interest payments are to be paid on a monthly basis and the principle amount will be returned after the property sells.

In addition to paying the $8,400 origination fee, Russell will also fund $72,000 of the purchase with his own funds, or 30% of the purchase price. he must then pay $1,260 monthly to the lender. At the expiration of the loan, he sells the rehabed property for $312,000. After deducting the $22,680 in interest payments ($1,260 times 18 months), the $8,400 origination fee, the $168,000 principle on the loan, and the $72,000 he contributed to closing, he will make a gross profit of $40,920 ($312,000 sales price minus $271,080 in total costs). This profit would then be reduced by any building costs paid by Russell.

Loan Example 2

Kathy takes out a hard money loan from Holt Investment Capital in order to renovate a house to re-sell in Houston, TX. The deal has the following terms:

a) A $230,000 purchase price, b) a 55% loan to value (LTV), c) a 6 month term, d) a 13% interest rate, and e) a 5% origination fee.

Assuming a $345,000 sales price after the 6 month term, the numbers for the deal would look like this:

$345,000 sales price
- $126,500 principle (55% LTV)
- $103,500 cash paid at closing (45% on 55% LTV)
- $6,325 origination fee (5% of the $126,500 principle)
- $8,223 total interest paid (6 months x 13% interest)
-----------------------
= $100,453 gross profit (doesn't include taxes or renovation costs)

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