Address: Land O’ Lakes, FL 32025
ARV: $300,000 (As-is)
Loan Amount: $130,000
Loan Structure: 24 Months Interest Only
Interest Rate: 12%
LTV 43%
Loan Purpose: Cash Out
Funded July 14, 2020
At HML Solutions, we are always looking for strong, low loan-to-value opportunities that offer both security and steady returns for our investors.
This opportunity is secured by a single-family rental property located in Land O’ Lakes, Florida. The borrower originally purchased the home in 2017 for $170,000. Since then, the property has been fully stabilized and is currently rented for $1,750 per month, providing consistent cash flow.
Today, the property carries an estimated value of approximately $300,000, supported by recent market data indicating values as high as $308,000. With the asset fully owned and producing income, the borrower is now seeking capital to support business growth while strategically improving credit over the next year in preparation for a future DSCR refinance.
HML Solutions structured a $130,000 loan at a conservative 42% LTV. We are contributing $50,000 alongside investor participation starting at $80,000. The loan is structured at 12% interest with an 11% monthly interest-only return, a 6-month prepaid period, and a 24-month term.
This transaction highlights our focus on secure collateral, strong equity positions, and clear exit strategies for long-term investor confidence.
