SD Equity Partners

About SD Equity Partners

SD Equity Partners is private money lender based in Poway, CA. They provide loans in California. They provide fix and flip loans and buy and hold loans. They primarily offer funding on single family units.

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

Property Types Covered: Single Family

Areas Served: CA

Licenses: BRE# 01887639, NMLS#341696

Lending Guidelines for SD Equity Partners

Below are the general loan guidelines published on the SD Equity 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 SD Equity Partners.

Loan Example 1

Alicia is a real estate investor in Los Angeles, CA. She finds an older property for sale and decides to remodel it and sell it for a profit. The house has a cost of $380,000 but she doesn't have the full amount so she takes a private money loan with SD Equity Partners. The loan to value (LTV) on the note is 50%. This means that Alicia will have to bring 50% of the purchase price to closing and the principle will be $190,000 on the note. The interest rate on the loan is 14% for a length of 6 months and the lender requires a one point origination fee at closing. The interest is to be paid on a monthly basis and the principle will be returned after the sale of the property.

The borrower must contribute a total of $32,400 up front to pay the $190,000 down payment plus the $1,900 origination fee. Once the deal is executed and Alicia takes on the property, she will begin making monthly payments of $2,217 to SD Equity Partners ($190,000 principle x 14% / 12 months). If she sells the renovated project for $456,000 at the end of the 6 month term, her total profit (not including remodeling costs) would be $60,800. This is computed by taking the purchase price ($456,000) and subtracting the original note amount ($190,000), the origination cost ($1,900), the funds she contributed to closing ($190,000), and the total interest payments ($13,300).

Loan Example 2

Kirk takes a fix and flip loan from SD Equity Partners so he can remodel a property to re-sell in Los Angeles, CA. The loan has the following parameters:

$160,000 sales price
75% loan to value (LTV)
18 month term
9% interest rate
3% origination fee

Kirk plans to sell the house at the end of the term for $232,000. If he achieves this goal, the outcome would be the following:

$232,000 sales price
- $120,000 principle on note (75% LTV)
- $40,000 cash paid at closing (25% on 75% LTV)
- $3,600 origination fee (3% of the $120,000 principle amount)
- $16,200 interest payments (18 months x 9% interest)
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= $52,200 total profit (doesn't include taxes or renovation costs)

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