
We are personally invested in every loan. We deliver easy transactions that are competitively priced and swiftly executed.
Kailua, HI has 29 construction hard money lenders serving the city. The mean loan amount is $431,923. Rates on hard money loans issued to Kailua borrowers average about 10.7%. The typical loan made in the city is 15 months in length. The average origination percentage applied to loans is 6.1%. Lenders in Kailua average a 78% loan to value (LTV) on their loans.
Amy is an investor in Kailua, HI. She wants to acquire a land plot to build a new home in the Maunawili area. The building costs will be around $250,000 and the land will cost $300,000. She takes out a new construction loan from All State Finance Corporation with these stipulations: 1) a 12 month note at 10% interest, 2) interest-only payments made monthly, 3) 4 origination points paid at closing by the borrower, and 4) a 75% loan to value (LTV) on the plot purchase and the building expenses. Amy is to receive the building expenses in draws and there will not be a pre-payment penalty if she pays off the loan early. The borrower will have to pay $3,438 per month in loan payments in addition to $137,500 down, plus a $16,500 origination fee at closing. At the end of the loan, Amy sells the home for $740,000. This will make Amy a $132,250 net profit after re-paying all expenses of the deal ($412,500 principle amount, $137,500 cash at closing, $16,500 origination charges, and $41,250 for 12 months of interest payments).
Allan wants to acquire a land plot in the Maunawili neighborhood of Kailua, HI to construct a tri-plex to resell it. Because he does not have enough cash to pay for 100% of the deal, he applies for a construction hard money loan from Superior Funding Company with these terms:
If Allan succeeds in his goal of a $670,000 sales price, the final numbers of the deal would be as follows:
$670,000 sales price
- $432,000 principle (80% LTV)
- $108,000 down payment (20% on 80% LTV)
- $12,960 origination points (3% of the $432,000 principle)
- $60,480 total interest paid (12 months x 14% interest)
-----------------------
= $56,560 total profit
We are personally invested in every loan. We deliver easy transactions that are competitively priced and swiftly executed.
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