What Is LTC in Real Estate Lending? A Guide to Loan-to-Cost for Investors Real estate lending comes with plenty of acronyms. LTV. ARV. DSCR. LTC. For investors financing a fix and flip, ground-up construction project, or another value-add property, LTC—or Loan-to-Cost—is one of the most important numbers to understand. LTC helps determine how much of […]
Finding a fix and flip property with serious potential can be exciting. Maybe the location is strong, the purchase price makes sense, and the finished property could command a much higher value. There is just one problem. The property needs a lot of work. We are not talking about new paint, updated flooring, and a […]
A Profitable Renovation Still Needs a Clear Exit Buying at the right price and managing renovations are essential parts of a successful fix-and-flip. But investors can overlook another question that deserves attention before closing: how will the project ultimately repay the loan and return capital? An exit strategy is the planned path from acquisition to […]
Preparation Can Help Keep a Deal Moving Real estate investors often turn to private lending because timing matters. A property may be distressed, a seller may want a fast closing, or a renovation opportunity may not fit neatly into conventional financing. Speed, however, does not eliminate the need for good information. A clear, organized deal […]
For many builders and real estate developers, summer represents peak construction season. The weather is generally favorable. Days are longer. Buyers are active. Municipal inspections often increase as projects race toward completion before fall and winter. With so much opportunity, it would seem that summer should be the easiest time of year to build. In […]
A strong scope of work can make the difference between a quick loan approval and weeks of back-and-forth questions. While many real estate investors focus on the purchase price, projected profit, or After Repair Value (ARV), lenders often spend just as much time reviewing the renovation plan itself. Why? Because your scope of work tells […]
Finding a hard money loan can be time consuming, complicated and frustrating. That’s why Harbour Group Capital, LLC’s process is simple and straightforward. Our mortgage professionals have the knowledge and experience necessary to provide a loan tailored to your exact needs. With 24 years’ experience in the mortgage industry, we’ve created a platform geared to supporting our investors by providing impeccable service and endless support.
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Harbour Group Capital, LLC serves as the originating entity for all loans. Loans only apply to residential, non-owner occupied properties. Rates, terms and conditions offered only to qualified borrowers, may vary upon loan product, deal structure, property state or other applicable considerations, and are subject to change at any time without notice, shall only constitute a general, non-binding expression of interest on the part of Harbour Group Captital, LLC, do not create any legally binding commitment. Closing times are in business days and commence upon receipt of appraisal payment and satisfaction of borrower conditions. Harbour Group Capital / Affiliates License ID #1804080
