Stallion Funding

About Stallion Funding

Stallion Funding is a private lender based in Austin, TX providing loans in Texas.They offer hard money refinancing, ground up construction loans, fix-and-flip loans, rental property loans, commercial loans, and short term bridge loans.They offer rates ranging between 10% and 14%, loan amounts ranging from $250,000 to $10,000,000 with a maximum LTV of 70%, and terms between 1 month and 3 years.They offer loans on numerous types of properties, including single family, multi family residences, apartment buildings, offices, retail units, hotels and motels, storage buildings, senior housing facilities, mixed use, raw land, churches, warehouse buildings, and industrial buildings.

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

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

Areas Served: TX

Lending Guidelines for Stallion Funding

Below are the general loan guidelines published on the Stallion Funding 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 Stallion Funding.

Loan Example 1

Ronnie is a real estate investor in Houston, TX. He finds an older property for sale and wants to remodel it and flip it for a profit. The house costs $340,000 but he doesn't have the full amount so he takes out a fix and flip loan with Stallion Funding. The loan to value (LTV) on the loan is 50%. This means Ronnie will have to bring 50% of the purchase price to the closing and the principle amount will be $170,000 on the loan. The terms of the loan also include a two percent origination fee that is to be paid at the closing and a 12 month, interest only note with a 10% rate of interest.

Ronnie will have to contribute $170,000 at the closing (50% on the 50% loan to value), plus he will need to pay the $3,400 origination fee. he will then pay $1,417 per month to the lender. If he sells the rehabed house for $442,000 at the end of the 12 month term, his total profit (not including remodeling costs) would be $81,600. This is computed by taking the sales price ($442,000) and subtracting the principle ($170,000), the origination cost ($3,400), the funds he contributed to closing ($170,000), and the total interest expenses ($17,000).

Loan Example 2

Gilbert finds a house in Houston, TX to renovate and sell. Since he does not have enough cash to buy the property outright, he takes a fix and flip loan from Stallion Funding with the following parameters:

$240,000 sales price
70% loan-to-value (LTV)
6 month term
8% rate of interest
1% origination fee

Gilbert plans to sell the project at the end of the term for $300,000. If he accomplishes his goal, the deal numbers would be the following:

$300,000 sales price
- $168,000 principle on note (70% LTV)
- $72,000 cash paid at closing (30% on 70% LTV)
- $1,680 origination points (1% of the $168,000 principle amount)
- $6,720 interest payments (6 months x 8% interest)
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= $51,600 total profit (doesn't include taxes or renovation costs)