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Real Estate Investors and Developers

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Investment

Caviar Capital lends short-term capital to real estate developers and entrepreneurs for the purposes of building, rehabbing and selling single and multi-family homes located in the state of Connecticut. Loans are always personally guaranteed by each borrower, and Caviar takes first lien position on the property.

Facts

Caviar Capital has financed dozens of deals since 2013. Average deal size was $170,000 and average time to sell a property was 6 months. There have been no late payments, collections or foreclosures. To date, our Limited Partners have enjoyed a generous return of 10% per year on their investment, and their investment is secured by a first lien and personal guarantees of experienced real estate entrepreneurs.

Over 20

Deals funded

6 months

Average loan term

$170,000

Average deal size

0

Late payments

10% per year

Average interest yeild

Recently Funded Projects

150 Spring St Enfield, CT

Colonial style home with living room and dining room on first floor. Spacious eat-in kitchen with sliders to deck. Open lot with one car detached garage. Three bedrooms on second floor. Full bathroom on second floor. Lots of potential here.

Loaned

$89,000

Yield

10%

After Rehab Value

$110,000

Cash flowing to investors
125R Stagecoach Rd Durham, CT

This massive 4 Bedroom colonial offers 3 & 1/2 baths, 3 car garage, almost 2-acre private lot, huge basement which has finishing potential & so much more. Huge potential!

Loaned

$333,000

Yield

10%

After Rehab Value

$490,000

Cash flowing to investors
27 Elm Street, Enfield, CT

This brick oversized cape is waiting to be polished up and show its beauty once again! 3 bedrooms, 2 full bathrooms, eat-in kitchen, separate dining room, living room with a fireplace. Potential to finish attic space for 2 additional rooms. This is not your typical cape, ALL the rooms are humongous! The hardwood floors are in good shape, newer gas boiler, updated electrical and 2 car garage. To top it off it’s on .33 acres!

Loaned

$165,000

Yield

10%

After Rehab Value

$225,000

Cash flowing to investors
  • I have been a limited partner with Caviar Capital since 2013. This has been one of the easiest investment I have ever made – I have received a 10% return via check every month, along with a timely statement. Kirill communicated well, and sent a monthly update on investment opportunities and fund status.

    Alex Shvayetsky, CFO at Udolf Properties and Caviar Limited Partner
  • I worked with Caviar on 5 deals in the past couple years, and couldn’t be happier. The process was fast and efficient, closing painless and I received funds when I needed them.

    Frank S., Real Estate Entrepreneur and Caviar Capital client
  • Its been a pleasure working with Caviar Capital’s team for the past 4 years. True professionals, Caviar has been a valued partner, helping my real estate development business expand much faster then I anticipated.

    Corey Kosiensky, CT Real Estate Developer and Caviar Capital Client since 2013

Investment Process

  • Application and Credit Check

    Caviar Capital receives an application for a new flip and performs a credit check on the borrower. A proprietary score is assigned based on a number of factors such as experience, credit score, personal net worth and more.

  • Market

    Caviar team analyzes the local market, number of properties for sale, past sales performance and other factors

  • Property Inspection

    Caviar team meets with the borrower to inspect and review the property and understand the scope of work, and determine if the proposed rehab budget is in alignment

  • ARV (After Rehab Value) Determination

    After the property inspection, Caviar team determines the ARV based on the projected post-rehab value of the property. Caviar’s loans are always below 75% of the ARV

  • Closing

    After all due diligence is completed, and both partners approve, Caviar Capital law firm performs the closing and funds for property purchase and initial draw are released

  • Rehab

    Throughout the rehab process, draws are provided on a previously agreed scheduled. Before releasing funds, Caviar team performs regular inspections to ensure the work is going according to schedule and the results are of acceptable quality

  • Cash Flowing

    Cash is flowing to investors on a monthly basis

Investment Criteria and Terms

  • Investment criteria: Comparable properties, length of our relationship with borrower, visual inspection, borrower’s experience and knowledge of the neighborhood, and more
  • Principal Amount: $100,000 – $500,000, will consider higher amounts on one-off basis
  • Interest Rate: 13% per year
  • Finance up to 95% LTV and construction
  • After Rehab Loan to Value: up to 75%
  • Origination Fee: 3%
  • Loan Term: 1 year interest only, with a balloon payment
  • Prepayment: allowed, no penalty
  • Security: first lien position against the property, unlimited personal guarantee

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