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yhomeloanletter2.pdf

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Description

Loan Presentation: Capital Call vs. YHome Loan for Property at Sara Introduction In this presentation, we will compare two financing options for the property at Sara: Loan 1, which represents the current capital call, and Loan 2, the YHome Loan designed to support the property. Our goal is to highlight the benefits of the YHome Loan in addressing the unique challenges faced by this property. Loan 1: Current Capital Call • • • Loan Amount: $15,000 Interest Rate: 15% annually Loan Term: 5 years •

Extracted Content

Loan Presentation: Capital Call vs. YHome Loan for Property at Sara Introduction In this presentation, we will compare two financing options for the property at Sara: Loan 1, which represents the current capital call, and Loan 2, the YHome Loan designed to support the property. Our goal is to highlight the benefits of the YHome Loan in addressing the unique challenges faced by this property. Loan 1: Current Capital Call • • • Loan Amount: $15,000 Interest Rate: 15% annually Loan Term: 5 years • Compounding Frequency: Monthly Key Features: • Monthly Payments: o Monthly interest rate: 15% o Total number of payments: (60 ) o Monthly payment: 50% • Total Amount Paid Over 5 Years: $ 23,130.00 Considerations: • • Closed Line: This loan structure requires a capital call for any additional funds in the future, which may delay necessary repairs and create cash flow challenges. Higher Total Cost: The total expense over the loan term is significant, which can impact the property’s financial health. Loan 2: YHome Loan • • Loan Amount: $15,000 Interest Rate: 6.99% annually • Loan Term: 5 years • Upfront Fee: $1,500 Key Features: • Total Amount Paid Calculation: o Total amount after 5 years: $ 2