Mobius Capital

About Mobius Capital

Mobius Capital is a private money lender offering funding across the following areas: San Diego, Los Angeles, San Jose, San Francisco, Dallas, Houston, Austin, and San Antonio. They offer lending solutions for a variety of scenarios, including buy and hold loans, private commercial loans, short term bridge loans, and fix and flip hard money loans. Their loan guidelines are flexible, including loan amounts starting from $100,000 with a maximum LTV of 70%, rates starting at 12.5% , and terms up to 3 years. They do not require a minimum FICO score to obtain a loan. They will make loans on all of the following property types: single family homes, multi-family, apartments, office units, retail storefronts, mixed use spaces, and industrial facilities.

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

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

Areas Served: San Diego, Los Angeles, San Jose, San Francisco, Dallas, Houston, Austin, San Antonio

Lending Guidelines for Mobius Capital

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

Loan Example 1

Mobius Capital makes a fix and flip loan to Milton for a renovation project in San Diego, CA, on a house that is listed for $330,000. The terms of the deal include a 55% loan-to-value (LTV), so he must contribute 45% of the price as cash at closing, making the principle loan amount $181,500. The rate on the note is 12% for a term of 12 months and the company requires a two point origination fee at the closing. The interest payments are to be paid on a monthly basis and the principle will be returned after the sale of the property.

According to the terms of the deal, Milton will need to pay a $3,630 origination fee in addition to 45% of the purchase price, or $148,500, since there is a 55% LTV. After the loan closes, he will have to pay the lender $1,815 in monthly interest fees, or 12% multiplied times $181,500 divided by 12 months in a year. If Milton sells the property for $412,500 after 12 months, he would then make a total profit of $57,090 after deducting the principle amount of $181,500, the funds paid at closing of $148,500, the origination points of $3,630, and the total interest payments of $21,780. This amount doesn't account for building costs.

Loan Example 2

Mobius Capital issues a private money loan to Greg for a rehab project in San Diego, CA. The loan dictates the following:

a) A $390,000 sales price, b) a 50% loan-to-value (LTV), c) a 6 month term, d) a 8% interest rate, and e) a 1% origination fee.

Greg plans to list the house when the note expires for $507,000. If he succeeds, the deal numbers would be the following:

$507,000 sales price
- $195,000 principle (50% LTV)
- $195,000 cash paid at closing (50% on 50% LTV)
- $1,950 origination points (1% of the $195,000 principle amount)
- $7,800 interest payments (6 months x 8% interest)
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= $107,250 total profit (does not include taxes or renovation costs)

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