Equity Debt Purchase Loan Refinance 50 k upto 100 m easy terms and conditions - Restart 2020

[Robin]

Winning Strategy for 2020 !
Refinance , Gain Funding to bridge the NOW

Easy - Restart for 2020 

100k up to 100m  - 1 Repayment 2 Experience 3 Use of Funds  4 Exit Strategy 

 

PLEASE REVIEW THESE LOAN EXAMPLES  

 

1). Example 40M (Direct Debt) Loan amount: $40,000,000.00

Initial deposit: $1,400,000.00

Loan payments: $62,086,665.64

Total payable: $63,486,665.64

300 monthly payments of: $206,955.55 / Annually $ 2,483,466.60

Total interest: $23,486,665.64

Start date: June 15, 2015

End date: June 15, 2040

Extra fees: TBA

Interest Rate: 4.15%

 

Effective Annual Rate: 4.23%

APR (?): 4.23%

Loan servicing fees: TBD

Valued Equity and/or Market Value on Completion

 

2). Direct DEBT - $ 31 m Loan, 100% LTC , 25 year AMORT, 3.75 % interest , P/ I monthly payments of:$154,200.80 / Annually $ 1,850,409.96

Options : 10 year AMORT, refi $ 21,291,740.20

Options: With the Construction Draw Schedule for completion phase funding with the term ( 12 months NO PAYMENTS $ 1,850,409.96 held from funded reserves )

Loan amount: $31,000,000.00

Initial deposit: $1,007,500.00

Loan payments: $46,260,240.01

Balloon payment at end: TBD

Total payable: $47,267,740.01

·         300 monthly payments of: $154,200.80 / Annually $ 1,850,409.96

Total interest: $16,267,740.01

Start date: March 20, 2017

End date: February 20, 2042

Interest Rate: 3.75%

Effective Annual Rate: 3.82%

APR (?): 3.82%

Loan servicing fees: TBD

Valued Equity and/or Market Value on Completion

 

3). 5/1 - 75 % LTC/ LTV , $ 31 m , $ 23,250,000.00 debt, 6.5 % interest , 5 year Term , monthly payments $ 126,439.59 / Annually $ 1,517,275.00

Loan amount: $23,250,000.00

Initial deposit: $697,500.00

Loan payments: $7,586,375.59

Balloon payment at end: $22,250,000.00

Total payable: $30,533,875.59

60 monthly payments of: $126,439.59 / Annually $ 1,517,275.00 ( 12 months reserves held )

Total interest: $7,283,875.59

Start date: March 20, 2017

End date: February 20, 2022

Interest Rate: 6.5%

Effective Annual Rate: 6.7%

Loan servicing fees: TBD

Cash Reserves / Valued Equity $ 7,750,000. 00

 

 

5/1 - $ 11,000,000.00 Bridge Loan, 80% Loan to cost, 6.5 % interest, 5 year term, Balloon at term

$ 7,800,000.00, payments of: $54,928.86 / Annually $ 659,146.32 ( 12 months reserves held )

Loan amount: $8,800,000.00

Initial deposit: $352,000.00

Loan payments: $3,295,731.84

Balloon payment at end: $7,800,000.00

Total payable: $11,447,731.84

60 monthly payments of: $54,928.86 / Annually $ 659,146.32(12 months reserves held )

Total interest: $2,647,731.84

Start date: March 20, 2017

End date: February 20, 2022

Interest Rate: 6.5%

Effective Annual Rate: 6.7%

Cash Reserves/ Valued Equity $ 2,200,000.00

 

3/1 - $ 11,000,000.00 amount ,80% LTC, 6.5% interest, 3 year term, Balloon Exit, Monthly $ 58,767.27

Loan amount: $8,800,000.00

Initial deposit: $352,000.00

Loan payments: $2,115,621.70

Balloon payment at end: $7,932,500.00

Total payable: $10,400,121.70

36 monthly payments of: $58,767.27 / Annually $ 705,207.24 (12 months held in reserve)

Total interest: $1,600,121.70

Start date: March 20, 2017

End date: February 20, 2020

Interest Rate: 6.5%

Effective Annual Rate: 6.7%

Cash Reserves/ Valued Equity $ 2,200,000.00

 

$ 11,000,000 amount, 75% Loan to Value, 4 % interest, 25year Term / AMORT, Monthly $ 42,902.58

Loan amount: $8,250,000.00

Initial deposit: $122,000.00

Loan payments: $12,870,773.51

Total payable: $12,992,773.51

300 monthly payments of: $42,902.58 / Annually $ 514,830.96

Total interest: $4,742,773.51

Start date: March 20, 2017

End date: February 20, 2042

Interest Rate: 4%

Effective Annual Rate: 4.07%

APR (?): 4.07%

Cash Reserves/ Valued Equity $ 2,275,000.00

 

 

 

4). $ 26m , 3/1 , 80% LTC/ LTV , 7 % interest , 3 yr Balloon, $ 20,800,000. 00, Interest $ 4,395,637.29

Loan amount: $20,800,000.00

Initial deposit:$624,000.00

Loan payments:$4,395,637.29

Balloon payment at end:$20,000,000.00

Total payable:$25,019,637.29

36 monthly payments of:$122,101.04 / Annually $ 1,465,212.40 ( reserves held for 12 months)

Total interest:$4,219,637.29

Start date: March 20, 2017

End date: February 20, 2020

Interest Rate: 7%

Effective Annual Rate: 7.23%

Loan servicing fees: TBD

Valued Equity and/or Market Value on Completion

 

5). $ 26,000,000.00 / 75 % LTC/ LTV , $19,500,000.00 Debt, 25 year AMORT, 3.83 % interest, P/ I monthly payments of:$98,073.44 / Annually $ 1,176,881.20

Loan amount: $19,500,000.00

Initial deposit: $585,000.00

Loan payments: $29,422,031.30

Total payable: $30,007,031.30

300 monthly payments of : $98,073.44 / Annually $ 1,176,881.20

Total interest: $10,507,031.30

Start date: November 17, 2015

End date: October 17, 2040

Extra fees: $62,000.00

Interest Rate: 3.83%

Effective Annual Rate: 3.9%

APR (?): 3.93%

Loan servicing fees: TBD

Cash Reserves or Buyers Ready Funds: $ 6,500,000.00

 

 

 

 

6). 21 M Loan Example , 75 % LTC, $ 15,750,000.00 debt, 25 yr AMORT, 5.25 % interest, CASH OUT at settlement options for contingencies, Monthly repayments P/I $ 91,535.09 / Annually $ 1,098,421.00

Loan amount: $15,750,000.00

Initial deposit: $475,000.00

Loan payments: $27,460,526.55

Balloon option: TBD

Total payable: $27,935,526.55

300 monthly payments of: $91,535.09

Total interest: $12,185,526.55

Start date: March 20, 2017

End date: February 20, 2042

Interest Rate: 5.25%

Effective Annual Rate: 5.38%

APR (?): 5.38%

Loan servicing fees: TBD

Cash Reserves or Buyers Ready Funds: $ 5,250,000.00

 

 

 

7). 5/1 - $ 26 m, 80% LTC , 4 % interest , Balloon Exit or Flex Term

Loan amount: $20,800,000.00

Initial deposit: $624,000.00

Loan payments: $5,352,867.37

Balloon payment at end: $18,720,000.00

Total payable: $24,696,867.37

60 monthly payments of: $89,214.46 / Annually $1,070,573.35

Total interest: $3,896,867.37

Start date: March 20, 2017

End date: February 20, 2022

Interest Rate: 4%

Effective Annual Rate: 4.07%

Loan servicing fees: TBD

Cash Reserves or Buyers Ready Funds: $ 5,200,000 ( or Valued Equity)

 

 

8). 3/1 - 20m Loan example Balloon Exit, ( 75% LTC , 3 yr Term, 1 year Held reserves, 6 % interest) Annually repayment $ 1,359,037.90

Loan amount: $20,000,000.00

Initial deposit: $400,000.00

Loan payments: $4,077,113.85

Balloon payment at end: $19,000,000.00

Total payable: $23,477,113.85

36 monthly payments of: $113,253.16 / Annually $ 1,359,037.90 ( funds held in reserve for term of remodel or construction )

Total interest: $3,477,113.85

Start date: March 20, 2017

End date: February 20, 2020

Interest Rate: 6%

Effective Annual Rate: 6.17%

Loan servicing fees: TBD

Cash Reserves or Buyers Ready Funds: $ 5,000,000 ( or Valued Equity)

 

 

9). 5/1 Loan Example – Balloon Exit , $ 20m Debt, 6 % interest, Annually $ 1,365,192.90 ( cash out at closing + funds in reserves for 12 months no payment term)

Loan amount: $20,000,000.00

Initial deposit: $400,000.00

Loan payments: $6,825,964.90

Balloon payment at end: $18,500,000.00

Total payable: $25,725,964.90

60 monthly payments of: $113,766.08 / Annually $ 1,365,192.90 (funds held in reserves for term of rehab or construction) 6 months, or 12 months +/ -

Total interest: $5,725,964.90

Start date: March 20, 2017

End date: February 20, 2022

Interest Rate: 6%

Effective Annual Rate: 6.17%

Loan servicing fees: TBD

Cash Reserves or Buyers Ready Funds: $ 5,000,000 ( or Valued Equity)

 

 

10). $ 20,000,000 loan amount Example : 65% up to 80% Loan to Cost with a CASH OUT for contingencies, 25 yr Amort, 6.5% interest

Loan amount: $20,000,000.00

Initial deposit: $400,000.00 / $ 600,000

Loan payments: $39,702,181.09

Total payable: $40,102,181.09

300 monthly payments of: $132,340.60 / Annually $ 1,588,087.20

Total interest: $20,102,181.09

Start date: March 20, 2017

End date: February 20, 2042

Interest Rate: 6.5%

Effective Annual Rate: 6.7%

APR (?): 6.70%

Loan servicing fees: TBD

Cash Reserves or Buyers Ready Funds: $ 5,000,000 ( or Valued Equity)

 

 

11). Loan Example - $ 5, 000,000. 00 Loan Requested Funding 60% of LTV, interest 5.12% , Annualized Repayment $ 212,976.96 +/ -

Loan amount $3,000,000.00

Initial deposit $ 127,500.00

Monthly payments $17,748.08

Total interest $2,324,425.32

Total to be repaid $5,324,425.32

Effective annual rate (?) 5.24%

Estimated payoff date July 11 2043 ( or 10 year Term)

Loan servicing fees: TBD

Cash Reserves or Buyers Ready Funds: $ 2,000,000 ( or Valued Equity)

 

 

12). Loan Example: $ 3,648,000.00 ,  65%  ltv,=  $2,371,200.00 funded, 25 year AMORT, 10 year Term 

Loan amount $2,371,200.00

Initial deposit $156,825.00

Monthly payments $13,247.28

Total interest $1,602,985.50

Total to be repaid $3,974,185.50

Effective annual rate (?) 4.65%

Estimated payoff date May 21 2040

Purchase with CASH OUT Options funding REHAB/  Turn Key*

Loan servicing fees: TBD

Cash Reserves or Buyers Ready Funds: $ 1,276,800. ( or Valued Equity)

 

Please review CHECKLIST *

 

 

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