PRIVATE LENDING OPPORTUNITY
52 N Main Street – Mt. Gilead, OH
- EXECUTIVE SUMMARY
I am seeking a private lending partner for a value-add real estate investment with strong equity, defined exit strategies, and conservative underwriting.
Loan Request: $160,000
Loan Term: 6–12 months
Lien Position: First mortgage on property
Strategy: Renovate and flip (primary) or refinance into rental (backup)
- DEAL OVERVIEW
Purchase Price: $140,000
Rehab Budget: $20,000
Total Project Cost: $160,000
After Repair Value (ARV): $225,000
Estimated Flip Profit: ~$34,500
- RENOVATION PLAN ($20,000 BUDGET)
• Interior paint throughout
• Flooring updates
• Kitchen refresh (counters, fixtures, appliances as needed)
• Bathroom updates
• Exterior cleanup and curb appeal improvements
• Minor mechanical servicing
Goal: Clean, modern rental-grade finish suitable for resale or strong tenants.
Estimated Renovation Timeline: 8–10 weeks
Projected Total Project Timeline: 4–6 months
- PROFIT PROJECTION – FLIP EXIT
Projected Sale Price: $225,000
Estimated Costs:
Agent and closing costs (8%) = $18,000
Holding costs (taxes, insurance, utilities) = $4,000
Interest (6 months estimated) = $8,500
Total All-In Cost = $190,500
Estimated Net Profit = ~$34,500
Even if resale drops to $215,000, projected profit remains approximately $24,000.
- BACKUP EXIT – RENTAL REFINANCE STRATEGY
Projected Rent: $2,000 per month
Annual Income: $24,000
Estimated Operating Expenses: ~$8,100
Net Operating Income (NOI): ~$15,900
If appraised at $225,000:
75% refinance loan = $168,750
This provides a strong refinance exit to repay private capital.
Dual exit strategy significantly reduces lender risk.
- WHY THIS IS A STRONG LENDING OPPORTUNITY
• Approximately 29% equity position after repair
• Conservative purchase price
• Defined 6–12 month timeline
• First lien security
• Dual exit strategy (flip or refinance)
• Strong rental demand in area
- PROPOSED LOAN TERMS (FLEXIBLE)
Loan Amount: $160,000
Interest Rate: 10–12% (negotiable)
Payments: Interest-only monthly payments
Loan Term: 6–12 months
Security: Recorded first mortgage
Insurance: Lender named as additional insured
- RISK MITIGATION
• Conservative ARV analysis
• Built-in profit cushion
• Rental fallback exit strategy
• Short timeline reduces market exposure
• Professional title company closing
- WHAT I PROVIDE TO LENDER
• Full scope of work
• Comparable sales analysis
• Insurance coverage
• Regular project updates
• Clear repayment plan
FINAL POSITIONING STATEMENT
This opportunity provides strong collateral protection, conservative underwriting, and a defined exit strategy. The lender is secured by a first-position lien and benefits from short-term, above-market returns backed by real estate equity.
LuxePrivate Investments LLC 572 Reviews