Casper Capital

06/01/2026

05/29/2026

The lowest rate is not always the best deal.

In private money lending, structure matters. A loan with the wrong rehab funding, draw process, closing timeline, or cash-to-close requirement can put pressure on the entire project.

Casper’s advice is simple: do not just ask what the rate is. Ask whether the loan actually helps you complete the deal.

At Casper Capital, we help real estate investors look at the full picture before they ride into closing.

www.casper-capital.com
208-261-7544

04/27/2026

Every Cowboy has a Horse that is at his side through everything. Casper Capital is built on a Rich history of Horsemanship, hardwork and Bonds that a man cant fully explain.

We want to Introduce you to "Casper". He will act as your guide through the hard money and private money world. Just like a well trained horse, He is experienced, Insightful and always looks ahead.

Pay attention to what he has to teach you in the future!

04/24/2026

A deal can look strong on paper and still get capped when it comes time to size the loan.

That is the difference between LTC and LTV.

We can break this down with a real example:

Purchase Price: $180,000
Rehab Budget: $70,000
ARV: $300,000
Total Project Cost: $250,000

Step 1: Look at LTC

LTC means Loan-to-Cost.
It measures how much of the project cost a lender is willing to fund.

In this example:

Purchase price + rehab budget = $250,000
If a lender offers 100% LTC
The loan amount appears to be $250,000

So from a cost standpoint, the deal looks fully fundable.

Step 2: Check LTV

LTV means Loan-to-Value.
It measures how much of the property’s value a lender is willing to lend against.

In this example:

ARV = $300,000
70% of $300,000 = $210,000

That means even though the deal looks like it works at 100% LTC, the lender may still cap the loan at $210,000 because of the LTV limit.

What that means in plain English

The project costs $250,000.
But the value-based cap only supports $210,000.

That leaves a $40,000 gap before you even factor in closing costs, reserves, interest carry, or other deal expenses.

That is why serious investors need to know both numbers before they count on the loan.

The takeaway

A deal can look strong on cost and still get capped by value.

If you only understand LTC, you may think the deal is fully covered.
If you understand LTC and LTV, you can structure the deal with clarity before you get too far down the road.

At Casper Capital, we help investors look at deals the right way so they can move forward with a clear understanding of what the numbers actually support.

If you need help sizing your next deal, reach out.

Apply today:
www.casper-capital.com

208-261-7544