Sequoian Investments

About Sequoian Investments

Sequoian Investments is a San Diego, CA based private money lender who provides funding across the following locations: Anaheim, Bakersfield, Fresno, Irvine, Long Beach, Los Angeles, Oakland, Palm Springs, Riverside, Sacramento, San Bernardino, San Jose, Santa Ana, Santa Barbara, and San Diego. They provide loans for many different scenarios, including fix and flip hard money loans, long term rental property loans, hard money loans for commercial properties, cash out hard money loans, and short term bridge loans. They offer loan amounts ranging from $50,000 to $2,000,000 with a maximum LTV of 80%, terms between 6 months and 5 years, and rates ranging between 6.9% and 15%. They make loans on all of the following types of properties: single family units, multi family, apartments, offices, retail storefronts, undeveloped land, industrial facilities, and hotels.

Loan Types Offered: Investment Property Loans, Fix and Flip Loans, Commercial Hard Money Loans, Refinance / Cash Out Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Land, Industrial, Hotel

Areas Served: Anaheim, Bakersfield, Fresno, Irvine, Long Beach, Los Angeles, Oakland, Palm Springs, Riverside, Sacramento, San Bernardino, San Jose, Santa Ana, Santa Barbara, San Diego, Orange County

Lending Guidelines for Sequoian Investments

Below are the general loan guidelines published on the Sequoian Investments 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 Sequoian Investments.

Loan Example 1

Zachary takes a hard money loan from Sequoian Investments in order to renovate a townhome to flip in Anaheim, CA. The list price of the property is $230,000. The terms of the loan include a 55% loan-to-value (LTV), so he must bring 45% of the price as cash to closing, which makes the principle loan amount $126,500. The parameters of the note also include a two point origination fee which is to be paid at closing and a 12 month, interest only note with a 13% rate of interest.

Therefore, Zachary will have to make a $103,500 down payment in addition to paying a $2,530 origination fee. The monthly interest only payments will then total $1,370 to Sequoian Investments. Zachary's intention is to complete the house by the end of the 12 months and sell it for $299,000. If he succeeds he will collect a total profit of $50,025 ($299,000 price - $126,500 principle - $103,500 down payment - $2,530 origination points - $16,445 in total interest.

Loan Example 2

Derrick is a real estate investor in Anaheim, CA. He locates a run-down property for a remodeling project and obtains a private money loan from Sequoian Investments with the following features:

a) A $320,000 purchase price, b) a 50% loan to value (LTV), c) a 12 month term, d) a 13% interest rate, and e) a 5% origination fee.

Derrick plans to sell the property at the end of the term for $416,000. If he succeeds, the deal numbers will be the following:

$416,000 sales price
- $160,000 loan principle (50% LTV)
- $160,000 cash paid at closing (50% on 50% LTV)
- $8,000 origination points (5% of the $160,000 principle amount)
- $20,800 total interest paid (12 months x 13% interest)
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= $67,200 gross profit (does not include taxes or rehab costs)