Infinite Realty and Loans

About Infinite Realty and Loans

Based in Menifee, CA, Infinite Realty and Loans is a private lender offering loans throughout Southern California. They provide commercial loans and fix and flip loans. They offer loan amounts ranging from $100,000 to $3,000,000 with a maximum LTV of 70% and terms between 6 months and 36 months. They provide loans on most types of properties, including single family homes, multi-family, apartment buildings, offices, retail spaces, mixed use, industrial facilities, and undeveloped land.

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

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

Areas Served: Southern California

Lending Guidelines for Infinite Realty and Loans

Below are the general loan guidelines published on the Infinite Realty and Loans 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 Infinite Realty and Loans.

Loan Example 1

Virgie finds a townhouse in Acton, CA to remodel and resell. Since she doesn't have enough cash on-hand to buy the $380,000 property outright, she takes out a private money loan from Infinite Realty and Loans. The borrower will have to bring 25% of the purchase price in cash to closing based on a 75% loan to value stipulated by the lender. This makes the loan principle from Infinite Realty and Loans $285,000. The interest rate on the note is 11% for a term of 12 months and the company requires a two point origination fee at the close. The interest payments are to be paid monthly and the principle amount will be returned after the sale of the property.

Therefore, Virgie will be required to contribute a $95,000 down payment plus pay a $5,700 origination fee. Infinite Realty and Loans will collect $2,613 in monthly interest from the Virgie. This is calculated by taking the full note amount of $285,000, multiplying by the 11% rate of interest, and then dividing that amount by 12. At the end of the loan, she sells the rehabed house for $532,000. After deducting the $31,350 in interest payments ($2,613 multiplied by 12 months), the $5,700 origination fee, the $285,000 principle amount on the loan, and the $95,000 she contributed to closing, she will make a gross profit of $114,950 ($532,000 sales price minus $417,050 in costs). This amount would then be reduced by any renovation costs paid out of pocket.

Loan Example 2

Shawn is a an investor in Acton, CA. He purchases a run-down house for a rehab project and takes a fix and flip loan from Infinite Realty and Loans with the following terms:

$150,000 sales price
75% loan-to-value (LTV)
6 month term
11% interest rate
2% origination fee

After the rehab project is finished, if Shawn sells the project for $217,500, the numbers would be the following:

$217,500 sales price
- $112,500 principle on note (75% LTV)
- $37,500 cash paid at closing (25% on 75% LTV)
- $2,250 origination fee (2% of the $112,500 principle)
- $6,188 total interest paid (6 months x 11% interest)
-----------------------
= $59,063 gross profit (doesn't include taxes or rehab costs)

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