Paradyme

About Paradyme

We at Paradyme are passionate about taking care of our investors, because we are tired of watching people lose money through other companies. Each person in the company has a passion to be in real estate development, capital raising, and serving our clients’ needs before our own.We understand that real estate investing has a certain level of risk, so we have built a diverse portfolio of projects in order to mitigate risk. We focus on income-producing properties that survive and thrive best during a down market.Our in-house development team brings an unparalleled level of experience to vet our development transactions to protect your investment.People invest with people they trust and that is why we are in the relationship building business. We have the relationships to secure your life’s investments.

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

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

Areas Served: CA

Lending Guidelines for Paradyme

Below are the general loan guidelines published on the Paradyme 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 Paradyme.

Loan Example 1

Paradyme Fuding makes a hard money loan to Barry for a rehab project in Los Angeles, CA, on a house that costs $330,000. The lender agrees to make a loan with a 55% loan-to-value (LTV) so they will loan $181,500 on the house. The parameters of the note also include a five percent origination fee that is to be paid at closing and a 6 month, interest only note with a 10% rate of interest.

Therefore, Barry will have to make a $148,500 down payment in addition to paying a $9,075 origination fee. Paradyme Fuding will collect $1,513 in monthly interest from the Barry. This is computed by taking the full note value of $181,500, multiplying that by the 10% rate of interest, and then dividing that number by 12. If Barry achieves his goal of a $396,000 total sales price at the end of the loan term, he would make a total profit of $47,850 after re-paying the principle on the note and deducting the money he brought to closing, the origination points, and the monthly interest payments.

Loan Example 2

Andre is a real estate investor in Los Angeles, CA. He finds an older townhouse for a remodeling project and obtains a hard money loan from Paradyme Fuding with the following features:

a) A $160,000 purchase price, b) a 75% loan-to-value (LTV), c) a 12 month term, d) a 14% interest rate, and e) a 4% origination fee.

If Andre succeeds in his goal of a $224,000 sales price, the numbers of the deal will be the following:

$224,000 sales price
- $120,000 note principle (75% LTV)
- $40,000 cash paid at closing (25% on 75% LTV)
- $4,800 origination points (4% of the $120,000 principle amount)
- $16,800 total interest paid (12 months x 14% interest)
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= $42,400 gross profit (doesn't include taxes or rehab costs)

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