Liberty Realty Capital

About Liberty Realty Capital

Based in Tulsa, OK, Liberty Realty Capital is a private money lender offering funding across these areas: Tulsa, Oklahoma City, Fayetteville, Edmond, Broken Arrow, Bentonville, Fort Smith, Sand Springs, Norman, Little Rock, Stillwater, Dallas, Claremore, Enid, Austin, Waco, Joplin, Wichita, and Wichita Falls. They provide lending solutions for many different scenarios, including commercial loans and short term loans. They will make loans on various property types, including multi family residences, apartments, offices, retail units, hotels and motels, storage buildings, senior communities, mixed use buildings, warehouse buildings, industrial facilities, and medical offices.

Loan Types Offered: Commercial Hard Money Loans, Bridge Loans

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

Areas Served: Tulsa, Oklahoma City, Fayetteville, Edmond, Broken Arrow, Bentonville, Fort Smith, Sand Springs, Norman, Little Rock, Stillwater, Dallas, Claremore, Enid, Austin, Waco, Joplin, Wichita, Wichita Falls

Lending Guidelines for Liberty Realty Capital

Below are the general loan guidelines published on the Liberty Realty 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 Liberty Realty Capital.

Loan Example 1

Nelson is a business owner in Tulsa, OK. He wants to purchase a new office space for his business but he is not able to secure a commercial mortgage from his bank because of his below average FICO score. He looks to Liberty Realty Capital for a commercial private money loan in order to close the purchase. Because the lender and borrower agree to a 75% loan-to-value (LTV), Nelson will bring $75,000 at closing and the loan principle amount will be $225,000 since the list price of the new building is $300,000. The terms of the loan include a 6 month length, a 11% interest rate, and a 1 origination fee paid by the borrower when the transaction closes. Nelson may eliminate the note at any point in time by paying back the $225,000 in principle, but he will need to make $2,063 per month interest payments ($225,000 principle x 11% interest / 12 months per year) in the meantime, or up to the point the note expires. Because there isn't a pre-payment penalty, the only additional expense he will have to pay is the $2,250 origination charge which he will contribute when the loan closes.

Loan Example 2

Debbie locates a property in Tulsa, OK to remodel and sell. Because she does not have enough cash to buy the property outright, she takes a bridge loan from Liberty Realty Capital with the following parameters:

a) A $350,000 sales price, b) a 80% loan to value (LTV), c) a 6 month term, d) a 12% interest rate, and e) a 1% origination fee.

After the renovation project is complete, if Debbie sells the project for $507,500, the outcome would be the following:

$507,500 sales price
- $280,000 loan principle (80% LTV)
- $70,000 down payment (20% on 80% LTV)
- $2,800 origination points (1% of the $280,000 principle)
- $16,800 total interest paid (6 months x 12% interest)
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= $137,900 gross profit (does not include taxes or renovation costs)

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