A recent private money closing in Huntington Beach, California showcases an exceptionally low-leverage investment property acquisition backed by strong collateral. The transaction involved an $800,000 loan funded in the first trust deed (1st TD) position at a remarkably conservative 28.07% loan-to-value ratio.
The loan proceeds were used toward the purchase of a new investment property in Huntington Beach one of Southern California’s most desirable coastal markets. Known for its strong rental demand, lifestyle appeal, and long-term property appreciation, Huntington Beach continues to attract both local and out-of-area investors seeking stable real estate assets.
First-position financing at low leverage not only enhances security for the lender but also provides flexibility for the borrower. With substantial equity in place from the outset, the borrower is well-positioned for a variety of exit strategies, including refinance, sale, or long-term hold depending on market conditions.
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