• Multi-family, 1-4 Family, Commercial)
• $75K – $10M
• Loans up to 75% of value
• 12-24 months
• Purchase, Refinance, or Cash Out
• Foreign nationals eligible

• Loan Size: $2 million – $40 million
• Geographic Region: Nationwide and the Caribbean
• Property Types: All Property Types, including: Multifamily, Office, Industrial, Retail, Mixed-Use, Hospitality, Special Use, Luxury Residential, and Land
• Collateral: First Mortgage position and/or Assignment of the first mortgage loan + other collateral loan documents
• Leverage: Generally, up to 75% LTV; Higher leverage may be considered on a deal-specific basis
• Term: 12 -36 Months with one to two 12-month extensions options
• Origination Fee: 1%-2% of the loan amount
• Recourse: Partial or Non-recourse available
• Closing: 15 to 30 days

• 70% to 80% LTV
• 12 Months Term
• Loan extensions available
• No Pre-Payment Penalty in some cases
• Business Purpose Loans Only
• The reason for cash-out and the exit strategy will be underwritten thoroughly

• Loan sizes $ 250,000 to $50,000,000
• Terms 6 to 60 months
• Loan to values to 80%
• Loan Purpose: Purchase, Refinance and Cash Out
• Credit: Most Credit Considered
• Property Types: Apartment Buildings, Warehouses, Mixed-Use, Auto Repair Shops, Salons, Hotels, RV/MH Parks, Light Industrial, Bars & Restaurants, Day Care Facilities, Funeral
Homes and Hospitality

• Up to 90% of the purchase price or 75% LTV, Lessor of the two
• Up to 100% of the rehab cost as long as the total loan amount does not exceed 70% of
after repair value
• Amounts 150k and up
• 1.5 to 2.5 Points
• 12 Months term
• Loan extensions available
• No Pre-Payment Penalty in some cases
• Business Purpose Loans Only

• Property Locations: Nationwide
• Property Types: Primarily Class B or Better Multifamily, Industrial, SelfStorage; Hotels and Retail Considered on Select Basis
• Security: First Mortgages
• Loan Size: $10 - $30 Million
• Term: Three to Five Years
• Advance Rate: Up to 74.9% LTV
• Origination Fee: 1% of the Loan Amount
• Recourse: Non-Recourse with Standard Carve-Outs
• Prepayment: 3 Year Term: 18 months minimum interest, 1% exit thereafter
• 5 Year Term: 36 months minimum interest, 1% exit thereafter
• Closing: 45 Days
• Other Conditions: Minimum DY of 8.50%, 0.95x DSCR at Coupon rate w/ 25 yr. Amortization

• Up to 90% LTC, 70% LTARV, not to exceed 75% of the acquisition cost
• Up to 100% of construction
• 12 / 18 Months Term or longer
• Amounts 250k and up
• Loan extensions available
• No Pre-Payment Penalty
• Business Purpose Loans Only
• Experienced developers only
• LTV / LTC Rate and point are based on asset type, experience, and market data

• Loan Size: $2 million - $20 million
• Geographic Region: Nationwide
• Security: Pledge of ownership/partnership interest in the borrowing entity
• Leverage: Max 80% LTC
• Property Types: Commercial Real Estate (Multifamily, Office, Industrial, Retail, Mixed-use, Hospitality, and Healthcare)
• Term: 1–3 years
• Points: 2-3% of the loan amount to be paid from loan proceeds at closing
• Closing: 10 – 15 Business Days

• Equity Size: $2 million - $5 million
• Geographic Region: Nationwide
• Security Assignment of Sponsor Interest in the owning LLC
• Structure Up to 80% of the required equity in a senior position to the sponsor’s equity
• Preferred Return 10-12% preferred return. Unpaid preferred return accrues and compounds monthly
• Profit Sharing Profit Sharing is deal-dependent and is generally 50/50 split of excess profits after payment of preferred return and return of capital to both the senior equity and the sponsor
• Fee: Fees are deal-dependent and are determined at a later date
• Closing: 10 – 15 Business Days

• Transaction Size: $5 - $20 million - Geographic Region- Primarily Eastern U.S. (Northeast, New England)
• Property Types: Office, Industrial, Multifamily, Retail, Mixed-Use, Special Use

• 620 Minimum FICO Score
• 6 Months of Cash Reserves
• $75,000 Minimum Property Value
• Up to 30 Year loan term
• Amortization Options: 30 Year Fixed, Hybrid
• ARMS (3/1, 5/1, 7/1, 10/1), and Interest-Only (Up to 5 Years)
• Max Leverage: Purchase: Up to 75% of as-is value or Refinance: Up to 75% of as-is value
and Cash-out: Up to 70% of as-is value
• ELIGIBLE PROPERTIES: 1-4 Family Real Estate, Condos, Town homes, Planned Unit Developments (PUD) and Portfolio Loan Options Available
• $50,000 Minimum Loan Amount
• $3,000,000 Maximum Loan Amount (2-4 Units)

Bigger Loan Amounts are case by case

• 2+ rental properties
• Single family, 2-4 Units, or townhouses
• $250K-$15MM
• Up to 75% of value
• 30 yr. Fixed Rate
• 30-year amortization
• Pre-pay penalty: 1–5-year options
• No cash management required
• LLCs or Corporations
• Foreign nationals eligible

• Individual rental properties
• 1-4 units, townhouses
• $100K – $5M
• Up to 75% of value
• Fixed rates
• 30-year term
• Pre-pay penalty: 1–5-year options
• No tax returns required in some cases
• LLCs or Corporations
• Foreign nationals eligible

• Loan amount $15 million to $75 million
• Up to 68% LTV (maximum advance to 80% LTV with inclusion of “B Note,” or Mezzanine Financing in structured transactions)
• Lien Position First Mortgage or Deed of Trust or Note Hypothecation for Note-on-Note Financing
• Loan Term 1 to 3 years
• Extensions 6 to 12 months, available at market extension fees
• Amortization Interest-only, additional structure/sweeps may be required on a case-by-case basis
• Debt Yield Below 1.0X DSCR acceptable if supported by a Debt Service Reserve, cash-flowing assets preferred
• Yield Maintenance Minimal pre-payment penalty, generally 1/2 of initial term
• Recourse Non-recourse, other than standard "bad boy acts" or Recourse structure for higher risk transactions
• TI/LC Facility Future funding facility towards tenant improvements and leasing commissions
• CapEx Holdack Holdbacks for renovations, with timely review and disbursements typically occurring within 10 days after submission of a complete draw request package
• Deposits Expense deposit adequate to cover third party reports, legal fees and other customary due diligence or underwriting costs
• Origination & Exit Fees Market competitive fees adjusted to loan size, timing and complexity

Eligible Properties
Multifamily
Performing or Non-performing Loans
Grocery/Pharmacy-anchored Retail
Data Centers
Light Industrial & Warehouse
Self-storage
Independent Living & Assisted Living
Condominium Inventory
Mobile Home Communities

Target Transactions
Opportunistic Acquisition Financing
"Quick Close" Special Situations
REO & NPL Acquisitions
Recapitalizations & LP Buyout
1031 Exchange Deadlines
Significant Renovation
Minimal Yield Maintenance