42.5% LTV Cash Out Refinance for Repeat Borrower
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A repeat borrower is seeking $1,000,000 in financing. The funds will be used to open a 75,000 sqft warehouse in West Midtown Atlanta. This borrower has a strong track record and has previously worked with us. The project presents a strategic opportunity backed by real property. It’s a smart way to put capital to work in a short-term mortgage.
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42.5% LTV Cash Out Refinance for Repeat Borrower Details
Structure
- Tax Document
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- Offering Structure
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BPDNx
SENIOR BPDN - PROMISSORY NOTE SECURED BY COLLATERAL SECURITY AGREEMENTTHIS PROMISSORY NOTE IS SECURED BY THE ISSUER'S PLEDGE OF THE RELEVANT UNDERLYING COLLATERAL LOAN (AS DEFINED BELOW) TO THE LENDER (AS DEFINED BELOW) UNDER THE COLLATERAL SECURITY AGREEMENT AND PROMISSORY NOTE. HOWEVER, EXCEPT TO THE LIMITED EXTENT PROVIDED IN THE PROMISSORY NOTE WITH RESPECT TO THE UNDERLYING COLLATERAL LOAN, THIS NOTE IS NON-RECOURSE TO THE ASSETS, FUNDS AND ACCOUNTS OF YIELDI, LLC (THE "BORROWER", "COMPANY" OR "ISSUER") OR ANY OF ITS AFFILIATES, EMPLOYEES, AGENTS, STOCKHOLDERS, PARENTS, OR SUBSIDIARIES EXCEPT TO THE EXTENT OF THE VALUE OF COLLATERAL LOAN NET PAYMENTS ACTUALLY RECEIVED IN RESPECT OF THE UNDERLYING BORROWER LOAN.
Example Return on Investment
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Why We Like This Opportunity
42.5% LTV Cash Out Refinance for Repeat Borrower Highlights
This historic bed and breakfast in Wilmington, NC, is a standout property with a rich history. The current owners are seeking to refinance and cash out funds for needed rehab work to enhance and maintain the building’s unique charm and appeal. The improvements will ensure the property continues to offer a comfortable and memorable stay for guests, blending its historic character with modern amenities. The owners are committed to preserving the hotel’s legacy while improving its overall functionality and guest experience.
About the Neighborhood
The property is situated in Wilmington, NY, a location with strong commercial appeal and a supportive community infrastructure. Wilmington has a good population and is known for its historic charm and vibrant tourism industry, making it an ideal environment for the hotel and dining establishments. The local economy is robust, contributing to the stability and growth potential of this investment.
Why We Like this Opportunity
The borrowers are experienced in real estate investments and property management, with a substantial net worth and a significant track record. They have successfully managed and developed various properties across the country. These are repeat borrowers with whom we closed another deal earlier this month, further demonstrating their reliability and expertise.
The exit strategy involves short-term bridge financing to expedite the purchase and construction completion. The plan is to refinance the bridge loan with a permanent solution once construction is finished and the property is fully operational, which is anticipated within 6 months. The borrowers are already working with a bank for the takeout.
Investment Summary Of 42.5% LTV Cash Out Refinance for Repeat Borrower
Investors have an opportunity to invest in borrower payment dependent notes, the cash flow of which is dependent on the payment of interest and principal repayment on the Loans. Investors are scheduled to receive an annualized monthly interest payment of Login for details over the Loans' estimated remaining term of 6 Months. Principal is expected to be returned on or before maturity through a refinancing with a traditional bank loan. It is important to note that the Loans are eligible for prepayment, and principal may be repaid prior to the 6 Months estimated remaining term. If the Loans are paid off before maturity, investors are expected to receive at least three months of interest payments in addition to return of principal.
How Do I Get Paid?
This loan had an initial term of 6 Months with an option at Yieldi's discretion to extend. As of May 29, 2025 there are 6 Months remaining. Investors will immediately receive monthly interest payments at an annualized rate of Login for details on the principal balance over the life of the loan. If you invest in this loan in the middle of a month, you will receive a prorated interest payment for your investment for your first investment month and then full monthly payments thereafter. All payments are made automatically via ACH on the 1st of each month and investors all paid by the 10th of the month.
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