Private Capital Partners

About Private Capital Partners

Based in Portland, OR, Private Capital Partners is a private lender providing loans in Portland. They offer lending solutions for many different scenarios, including hard money loans for commercial properties, investment property loans, short term bridge loans, fix and flip hard money loans, and construction loans. They offer rates from 6%, terms up to 24 months, and loans with a maximum LTV of 75%. They offer loans on all of the following property types: single family units, multi-family units, apartment buildings, office units, retail storefronts, hotels and motels, storage facilities, assisted living facilities, mixed use spaces, warehouse buildings, industrial buildings, and medical facilities.

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

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

Areas Served: Portland

Lending Guidelines for Private Capital Partners

Below are the general loan guidelines published on the Private Capital 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 Private Capital Partners.

Loan Example 1

Alejandra closes on a $370,000 renovation project in Portland, OR, using a fix-and-flip loan from Private Capital Partners. The terms of the note include a 80% loan-to-value (LTV), so she must contribute 20% of the price as cash to closing, which makes the principle note amount $296,000. The loan is interest only, paid monthly, and is for 18 months at 8% interest with 5 origination points paid when the deal closes.

According to the terms of the note, Alejandra will need to contribute a $14,800 origination fee in addition to 20% of the purchase price, or $74,000, based on the 80% LTV. Once the deal is executed and Alejandra takes the property, she will need to begin making monthly payments of $1,973 to Private Capital Partners ($296,000 principle x 8% / 12 months). If Alejandra meets her goal of a $444,000 sales price when the loan expires, she would earn a gross profit of $23,680 after repaying the principle and deducting the cash she paid at closing, the origination fee, and the monthly interest payments.

Loan Example 2

Sofia is a real estate investor in Portland, OR. She locates a run-down townhouse for a renovation project and obtains a hard money loan from Private Capital Partners with the following paramters:

$400,000 sales price
50% loan to value (LTV)
12 month term
13% rate of interest
3% origination fee

Assuming a $520,000 sales price at the end of the 12 month term, the outcome for the project would look like this:

$520,000 sales price
- $200,000 loan principle (50% LTV)
- $200,000 cash paid at closing (50% on 50% LTV)
- $6,000 origination points (3% of the $200,000 principle)
- $26,000 interest payments (12 months x 13% interest)
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= $88,000 gross profit (doesn't include taxes or rehab costs)

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