Pinetree Financial Partners

About Pinetree Financial Partners

Pinetree Financial Partners is a hard money lender based in Denver, CO offering loans in Colorado. They offer lending solutions for many different situations and needs, including hard money refinancing, hard money bridge loans, and fix and flip loans. They provide rates ranging between 11% and 12%, loans with a maximum LTV of 70%, and terms up to 9 months. They will consider various lending scenarios but primarily focus on single family residences and multi-family units.

Loan Types Offered: Fix and Flip Loans, Refinance / Cash Out Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family

Areas Served: CO

Lending Guidelines for Pinetree Financial Partners

Below are the general loan guidelines published on the Pinetree Financial Partners 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 Pinetree Financial Partners.

Loan Example 1

Frieda finds a property in Denver, CO to flip and sell. Since she does not have enough cash on-hand to acquire the $400,000 project outright, she decides to take out a hard money loan from Pinetree Financial Partners. The lender agrees to make a note with a 60% loan to value (LTV) so they are willing to loan $240,000 on the house. The terms of the deal also stipulate a three point origination fee which will be paid at closing and a 12 month, interest only note with a 9% rate of interest.

The borrower must fund a total of $32,400 up front to cover the $160,000 down payment plus the $7,200 origination fee. The monthly interest only payments will then total $1,800 to the lender. If Frieda sells the project for $560,000 after 12 months, she would make a total profit of $131,200 after deducting the original principle of $240,000, the cash contributed at closing of $160,000, the origination fee of $7,200, and the total interest payments of $21,600. This amount does not account for building costs.

Loan Example 2

Pinetree Financial Partners makes a hard money loan to Nicholas for a rehab project in Denver, CO. The loan includes the following:

$300,000 purchase price
55% loan to value (LTV)
12 month term
8% rate of interest
4% origination fee

After the rehab project is complete, if Nicholas sells the property for $390,000, the numbers would be as follows:

$390,000 sales price
- $165,000 principle (55% LTV)
- $135,000 down payment (45% on 55% LTV)
- $6,600 origination fee (4% of the $165,000 principle amount)
- $13,200 total interest paid (12 months x 8% interest)
-----------------------
= $70,200 gross profit (does not include taxes or renovation costs)

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