Juniper Capital

About Juniper Capital

Juniper Capital is private money lender based in Issaquah, WA. They provide loans throughout Washington. They provide fix and flip loans, builder loans, and commercial loans. They offer terms between 6 months and 3 years and rates ranging between 7% and 10%. They provide loans on all of the following property types: single family homes, multi family residences, apartments, offices, retail storefronts, mixed use buildings, warehouse buildings, and industrial buildings.

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

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

Areas Served: WA

Lending Guidelines for Juniper Capital

Below are the general loan guidelines published on the Juniper 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 Juniper Capital.

Loan Example 1

Juniper Capital makes a hard money loan to Michelle for a renovation project in Seattle, WA, on a house that costs $230,000. The lender agrees to issue a loan with a 85% loan-to-value (LTV) so they will loan $195,500 on the project. The loan is interest only, with monthly payments, and is for 6 months at 8% interest with 1 points to be paid when the deal closes.

Michelle will have to contribute $34,500 at closing (15% on the 85% loan-to-value), plus she will have to pay the $1,955 origination fee. she must then pay $1,303 per month to the lender. Michelle's intention is to complete the house by the end of the 6 months and sell it for $299,000. If she succeeds she will collect a gross profit of $59,225 ($299,000 price - $195,500 principle - $34,500 down payment - $1,955 origination fee - $7,820 in total interest paid.

Loan Example 2

Juniper Capital issues a private money loan to Corinne for a renovation project in Seattle, WA. The deal includes the following:

$390,000 purchase price
60% loan to value (LTV)
12 month term
9% rate of interest
2% origination fee

Corinne intends to list the house when the note expires for $585,000. If she accomplishes her goal, the final numbers will be the following:

$585,000 sales price
- $234,000 note principle (60% LTV)
- $156,000 cash paid at closing (40% on 60% LTV)
- $4,680 origination points (2% of the $234,000 principle amount)
- $21,060 interest payments (12 months x 9% interest)
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= $169,260 gross profit (doesn't include taxes or rehab costs)