Investment Bankers Network

About Investment Bankers Network

Investment Bankers Network is a Downey, CA based private money lender offering loans in California. They offer refinancing, fix and flip loans, hard money bridge loans, and commercial hard money loans. They offer terms up to 1 year, rates ranging between 7.9% and 9.9%, and loan amounts ranging from $500,000 to $12,500,000 with a maximum LTV of 60%. They offer loans on various property types, including single family residences, multi-family units, apartment buildings, office buildings, retail storefronts, hotels/motels, storage buildings, senior living facilities, mixed use, warehouse spaces, industrial facilities, and medical buildings.

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

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

Areas Served: CA

Lending Guidelines for Investment Bankers Network

Below are the general loan guidelines published on the Investment Bankers Network 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 Investment Bankers Network.

Loan Example 1

Investment Bankers Network issues a fix-and-flip loan to Pauline for a renovation project in Los Angeles, CA, on a house that costs $210,000. The terms of the deal include a 55% loan to value (LTV), so she must bring 45% of the price as cash at closing, making the principle note amount $115,500. The parameters of the deal dictate a 10% note for 12 months. They also require a 1 point origination fee, that will also need to be paid upon closing.

Pauline will have to contribute a total of $32,400 up front to cover the $94,500 down payment in addition to the $1,155 origination fee. After the loan is executed and Pauline takes on the property, she will need to begin making payments each month of $963 to the lender ($115,500 principle x 10% / 12 months). If Pauline sells the property for $294,000 after 12 months, she would realize a gross profit of $71,295 after subtracting the principle amount of $115,500, the money paid at the close of $94,500, the origination fee of $1,155, and the total interest payments of $11,550. This gross profit does not account for remodeling costs.

Loan Example 2

Judy takes out a hard money loan from Investment Bankers Network so she can remodel a townhouse to resell in Los Angeles, CA. The loan has the following parameters:

$390,000 purchase price
85% loan-to-value (LTV)
18 month term
9% interest rate
2% origination fee

Based on a $546,000 sales price at the end of the 18 month term, the final numbers for this project would look like the following:

$546,000 sales price
- $331,500 note principle (85% LTV)
- $58,500 down payment (15% on 85% LTV)
- $6,630 origination points (2% of the $331,500 principle)
- $44,753 interest payments (18 months x 9% interest)
-----------------------
= $104,618 total profit (does not include taxes or rehab costs)