Loans 4 Investors

About Loans 4 Investors

Headquartered in Southlake, TX, Loans 4 Investors is a hard money lender providing loans in Dallas and Fort Worth. They offer loans for a variety of scenarios, including new construction loans, loans for investments properties, and fix and flip loans. Their loan guidelines are flexible, including rates ranging between 12% and 14%, terms between 3 months and 24 months, and loan amounts ranging from $20,000 to $500,000 with a maximum LTV of 70%. Their loan parameters do not include a minimum FICO rating. They primarily provide funding for single family.

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

Property Types Covered: Single Family

Areas Served: Dallas, Fort Worth

Lending Guidelines for Loans 4 Investors

Below are the general loan guidelines published on the Loans 4 Investors 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 Loans 4 Investors.

Loan Example 1

Allan takes a fix and flip loan from Loans 4 Investors in order to renovate a condo to resale in Dallas, TX. The sales price of the property is $330,000. The loan to value (LTV) on the loan is 65%. This means Allan will bring 35% of the sales price to closing and the principle will be $214,500 on the deal. The rate on the loan is 14% for a term of 6 months and the lender requires a four point origination fee at closing. The interest is to be paid monthly and the principle amount will be returned after the property sells.

In accordance with the parameters of the loan, Allan will be required to contribute a $8,580 origination fee plus 35% of the sales price, or $115,500, since there is a 65% LTV. The lender will collect $2,503 in monthly interest payments from the Allan. This is computed by taking the total loan value of $214,500, multiplying that by the 14% interest rate, and then dividing that number by 12. If he sells the renovated house for $445,500 at the end of the 6 month term, his total profit (not accounting for rehab costs) would be $91,905. This is computed by taking the sales price ($445,500) and subtracting the original note amount ($214,500), the origination fee ($8,580), the funds he contributed to closing ($115,500), and the total interest expenses ($15,015).

Loan Example 2

Alexandria finds a house in Dallas, TX to renovate and sell. Because she does not have enough cash to buy the property outright, she takes a fix and flip loan from Loans 4 Investors with the following parameters:

a) A $190,000 purchase price, b) a 85% loan to value (LTV), c) a 18 month term, d) a 13% interest rate, and e) a 2% origination fee.

If Alexandria achieves her goal of a $228,000 sales price, the numbers of the deal would be as follows:

$228,000 sales price
- $161,500 loan principle (85% LTV)
- $28,500 cash paid at closing (15% on 85% LTV)
- $3,230 origination fee (2% of the $161,500 principle amount)
- $31,493 interest payments (18 months x 13% interest)
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= $3,278 total profit (does not include taxes or renovation costs)

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