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Private Money Financing – LOAN PROGRAMS - Nationwide and CANADA

GROUP 1

Code: CAP2C9JR DEBT PRODUCTS Investment Profile – FIXED RATE BRIDGE Short-to-medium term value-add or opportunistic transactions Loan Size $5-$20 Million, Per Property Leverage Up to 80% LTC / 75% LTV Term 3-5 Years Pricing Rates Starting at 5.125% (Fixed-Rate) Prepayment Flexible/Yield Maintenance Guarantee/Security Non-Recourse Servicing In-House Servicing & Asset Management Other Future Funding for Good News, Interest Reserves Available, Earn-outs for Performance Asset Classes Multifamily, Industrial, Self-Storage, Office, Flex, Retail, Independent Living, Mobile Home Parks and Other Unique Asset Types Geography Nationwide

Investment Profile – FLOATING RATE BRIDGE Short-to-medium term value-add or opportunistic transactions

Loan Size $10-$50 Million, Per Property

Leverage Up to 80% LTC / 75% LTV

Term 3-5 Years

Pricing Floating rate, starting at L + 250 bps

Prepayment Open at par after initial lockout

Guarantee/Security Non-Recourse

Servicing In-House Servicing & Asset Management

Other Future Funding for Good News, Interest Reserves Available, Earn-outs for Performance

Asset Classes Multifamily, Industrial, Self-Storage, Office, Flex, Retail, Independent Living, Mobile Home Parks and Other Unique Asset Types

Geography Nationwide

Investment Profile - PERMANENT FINANCING Permanent financing for stabilized and nearly-stabilized properties

Loan Size $15-$50 Million, Per Property

Leverage Up to 75% LTV

Term 5-15 Years

Pricing Fixed-Rate, Starting at 4.00%

Prepayment Flexible/Minimum Interest

Guarantee/Security Non-Recourse


Other Ongoing TI/LC and CapEx Reserves Collected, Earn-outs for Performance-based Goals

Asset Classes Multifamily, Industrial, Self-Storage, Office, Flex, Retail, Independent Living, Mobile Home Parks

and Other Unique Asset Types


Investment Profile - NNN CONSTRUCTION Programmatic financing for development of pre-leased, long-term, single-tenant NNN retail

Facility Size Up to $30 Million

Leverage Up to 100% of land and construction costs; development fee deferred until payoff

Term 12-24 Months

Pricing 10%-13%, depending on franchise and location, fully-accrued

Prepayment Flexible / No Yield Maintenance

Guarantee Non-recourse to key principals except for bad-boy carve outs



Investment Profile – JOINT VENTURE EQUITY Value-Add, Opportunistic, Distressed and Special Situations

Investment Size $5-$50 Million

Capital Up to 90% of the equity required

Term 12-60 Months

Pricing Commensurate with Transaction Profile

Other Programmatic Features Available, Buyout Options Available

Asset Classes Multifamily, Office (CBD), Retail, Industrial / Flex, Hospitality (Select Service), Condominiums,

Land (Finished Lots), Parking Garages, Other Special Situations


Investment Profile - PREFFERRED EQUITY Value-Add, Opportunistic, Distressed and Special Situations


Capital Up to 90% of the equity required

Term 12-60 Months


Other Programmatic Features Available, Buyout Options Available, Current Pay Not Required

Asset Classes Multifamily, Office (CBD), Retail, Industrial / Flex, Hospitality (Select Service), Condominiums, Land (Finished Lots), Parking Garages, Other Special Situations


Investment Profile - STRUCTURED DEBT Value-Add, Opportunistic, Distressed and Special Situations


Capital Up to 85% LTC

Term 12-60 Months


Other Non-Recourse, Buyout Options Available, Current Pay Not Required

Asset Classes Multifamily, Office (CBD), Retail, Industrial / Flex, Hospitality (Select Service), Condominiums, Land (Finished Lots), Parking Garages, Other Special Situations


GROUP 2

CODE: BUC109ER Non-Recourse Construction • LOAN AMOUNTS

$10MM to $50MM • TERM

1 to 3 years • DESCRIPTION

Non-recourse construction lending programs in core markets on office, industrial, retail, and multifamily properties; will consider A&D loans on a select basis

COMMERCIAL LENDING

TARGET SIZE $25m to $100+ million transaction size

PROPERTY TYPES Office, Light Industrial, Healthcare/Life Science

ASSET CLASS Class A/B Properties

INVESTMENT TYPE

Value-add and core plus focus

TRANSACTION STRUCTURES

Aquisitions (direct) Structured Debt Financing

PRIMARILY TARGETED MARKETS

San Francisco Bay Area, San Jose, Sacramento, Los Angeles, Riverside, San Diego, Las Vegas, Phoenix, Denver, Salt Lake City, Dallas, Houston

Non-Recourse Bridge • LOAN AMOUNTS

$5MM to $50MM • TERM

6 months to 3 years • DESCRIPTION

Full discretion lending programs with quick closings, simple process and creative structure; includes senior bridge loans, recapitalizations, discounted loan payoffs, mezzanine loans, construction loans, tenant improvements to stabilize, CMBS kickouts & adaptive re-use

PROPERTY TYPES Multifamily

ASSET CLASS Class A/B Properties

INVESTMENT TYPE Core, Core-Plus, Value-Add

INVESTMENT SIZE Middle-market properties valued at $25m to $100+ million transaction size

UNIT COUNT 100 to 500 units

GEOGRAPHY Western U.S. – AZ, CA, CO, NV, TX, UT

TARGETED MARKETS Primary and secondary markets in California, Nevada, Arizona, Utah, Denver, and Texas

GROUP 3

CODE: CAPLTZXS

Targeted Commercial Real Estate Investment Guidelines Commercial Real Estate Debt Investment Guidelines: • New loan origination – subordinate debt, preferred equity, stretch seniors • Acquisition of existing loans and loan portfolios • All U.S. markets, all major property types • Value-add and opportunistic acquisitions and recapitalizations • Non-recourse • Quick closings • EXCLUDED deal types: Construction/Development; Land; Single family homes

Subordinate Debt and Preferred Equity: • Mezzanine Loans, Preferred Equity and B-Notes • $10 million minimum loan size • 3-10 year loan terms (typically co-terminus with senior loans) • Leverage up to 90% LTC (of total budget) • Accrual (PIK) and participation waterfall structures available

Senior & Subordinate “One Stop Shop” Origination Program: Senior Loan (only in combination with Subordinate Loan) • Leverage up to 70-75% LTV/LTC • Minimum loan size:

o 2-5 year loan terms o Flexible prepayment provisions

Mezzanine Loan / Preferred Equity • Same criteria as Subordinate Debt and Preferred Equity Program above

Debt Acquisitions: • Non-Performing and Sub-Performing loans • Single loans and loan portfolios • $10 million minimum investment size • Joint-venture investment structures possible

Joint Venture (JV) Equity: • Investing JV equity on a select basis for exceptional opportunistic deals

GROUP 4

Debt Restructuring A loan to facilitate the restructuring of debt obligations in order to achieve lower interest rates or prevent default.

Second Mortgage A type of subordinate mortgage made while an original mortgage is still in effect, which is challenging to finance with traditional lenders. These mortgages are made when a property's fee owner has significant equity remaining despite an existing first mortgage.

Other Transactions…

Acquisition A loan made for the purchase a specific asset. Acquisition loans are typically used by borrowers as a short term bridge between their initial purchase of an asset and their ability to secure a conventional loan.

Construction A loan used to finance the construction of a new commercial or investment property. The money is advanced incrementally during construction as work progresses. Often times construction loans are closed in conjunction with acquisition loans.

Working Capital A loan whose purpose is to finance the everyday operations of a company. A working capital loan is not used to buy long term assets or investments. Instead it's used to clear up accounts payable, wages, etc.

Foreclosures/DPO A loan made to purchase or refinance distressed debt held by another lender. For properties currently in foreclosure, these transactions often involve the simultaneous purchase of the underlying debt along with the execution of a forbearance agreement. These loans also facilitate time-sensitive discounted note purchases.

Partnership Buyouts A loan which facilitates the purchase and transfer of an equity position from one partner to another.

Debtor in Possession A loan arranged to a company presently in bankruptcy as a means to continue operations while restructuring other debts. Debtor in possession financing is unique from other financing methods in that it usually has priority over existing debt, equity and other claims.

Judgment Payoffs A loan whose purpose is to pay off a Judgment lien's principal and interest in order to prevent a foreclosure on the property.

Rehabilitation A loan to facilitate the rehabilitation of an existing property. In addition to the funds needed for repairs and related expenses, rehabilitation loans may also be combined with purchase funding.

Bridge Financing A short term bridge loan which allows the borrower to meet current obligations until permanent financing is secured or the current obligation is met.

Lending Parameters Loan -to-Value Up to 80%

Loan Amounts $500,000 - $50,000,000

Lending Terms Up to 3 years

Fees As low as 2%

Interest Rate As low as 8%

Closing Time As quickly as 24 hours (based on Borrower)

Lending Area New York, Connecticut, New Jersey, South Florida, Major U.S. Cities

Amortization Interest Only

GROUP 5

CODE: CAPGRPV2

• Loans Between $500,000 and $100 Million • Nationwide - Most States (excluding Nevada) in Urban/Suburban Markets with population 50,000+ • Commercial, Industrial, Multifamily, Retail, Hotels, Office, 1-4 Unit Residential N.O.O. • No Vacant Land

Commercial Bridge Loan

Loan Size From $1 Million to $100 Million

Location Urban and suburban US properties nationwide excluding Nevada

Collateral NO LAND Improved income producing commercial properties

Rates 7.99% - 9.99% and 2 points

Terms Up to 2 years

Max LTV 70% Purchase: Value is actual purchase price. If Borrower has 30+% cash down, we'll "stretch" the LTV max. Refinance: Value is based upon Lender's opinion of the current market value. Our own review appraiser, along with a principal, will travel to visit each property.

Creative/Flexible Blanket loans; points and fees wrapped into the loan; multiple income sources considered.

Due Diligence A deposit of $5,000 - $15,000 is required upon acceptance of a term sheet. The deposit is credited against third party costs of underwriting: fair market value evaluation fee, inspections, site visit, legal costs, escrow, etc.

Residential Bridge Loan

Loan Size From $500,000 to $5+ Million


Collateral 1-4 unit residential, non-owner occupied


Terms Up to 2 years

Max LTV 80%

Max Loan to Purchase Price

90%

Max Loan to After Renovated Value

70%



Multifamily Bridge Loan

Loan Size From $1 Million to $100 Million


Collateral Multifamily properties with 5 or more units


Terms Up to 2 years

Max LTV 75%

Max Loan to After Renovated Value

70%



GROUP 6

CODE: CAPINVG5

Joint venture equity, preferred equity, mezzanine debt, and participating debt to qualified operating partners

for acquisition, repositioning, development, note purchases, or recapitalization of commercial and residential

real estate.

General investment parameters:

o Transaction Size: Up to $50,000,000

o Investment Amount: Up to $8,000,000

o Investment Percent: Up to 100% of required equity capital

o Investment Horizon: Up to 8 years

o Preferred Return: 9% to 15%

o Operating Partner Promote: Reflects project characteristics

o Investment Location: Western United States | Product Type: All Product Types

Investment Type: Value Add Acquisition

Recapitalization

Bank Note Purchase

Sale Leaseback

Repositioning

Ground up Development

GROUP 7

CODE: CAPVER5

Bridge Loans from $3MM – $30MM • Fast turn-around and commitment • Close in ~ 14 days • No commitment or pre-payment fees • Lend for acquisition, refinance, note purchases, discounted pay-offs + cash outs

Loan Types Originate • Senior Mortgages • Second Mortgages • Mezzanine • Debtor-in-possession

Finance • Mortgage Acquisitions • Loan Portfolio Acquisitions • Discounted Payoffs (DPOs)

ASSET TYPES • Multifamily • Office • Industrial • Hospitality • Parking • Self-Storage • Mobile home communities • Condominiums • Land • Special-purpose properties • Marina

Other • Heavy equipment • Airplanes • Collectibles • Art

TERMS AND SIZE o Fixed-rate (interest only) o Up to three years

• No prepayment penalties • Close in 14 to 21 days • No commitment fees

o Asset value driven • Cross collateralization • Creative solutions

o Preferred Size: $3 million to $30 million o All borrowers and entities considered o U.S. focused

GROUP 8

CODE: CAPREW34

Loan Programs • Business Purpose Investment Property Loan Only • Purchase, Refinance, Cash-Out Private Money • First and Second Mortgages • 80% LTV Maximum • Cross Collateralize Property • Fix & Flip loans (Complete Rehab, Remodel, Buy and Hold)

o 70% After Rehab Value o 80% of Purchase Price o Gap/Equity Funding

• Bridge Loans

Property Types • Residential

o SFR (Non-owner occupied) o Condos (Non-owner occupied) o 1-4 Units (Non-owner occupied)

• Commercial o Multifamily o Office o Retail

• Multi-Units Apartment • Land

GROUP 9

CODE: CAPB6BA Cash on Raw Land or Assets Worldwide Borrow $100 Million to $20 Billion against Gold, Diamonds, Precious Metals, Mines, Real Estate, or Raw Land! Rates at 4% to 5% up to 90% LTV.

GROUP 10

CODE: CAPLOCE

Low Doc Loans

3, 5, 7, 10 Years and Full Term Fixed

Up to 30 Years

Fixed Rate

Competitive interest rates available; call for current quotes

4% for fixed period

Maximum 75%

Maximum 75% – Multifamily, Maximum 70% – All others

Retail, Office, Industrial, Multifamily, Manufactured Housing, Self-Storage and Hotel

Personal Guarantee required

Taxes, Insurance, Replacement Reserves (based on Property Condition Assessment) and TI/LC (if applicable)

Multiple permitted for fee of 1% of UPB

Appraiser paid COD – all other fees taken at closing

21 to 45 days from application

Stated Income / Verified Asset $75,000 – $3,000,000

3, 5, 7, 10 Years and Full Term Fixed

Up to 30 Years

Fixed Rate

Competitive interest rates available; call for current quotes

5% for fixed period

Maximum 75%

Maximum 75% – Multifamily, Maximum 70% – All others

Retail, Office, Industrial, Multifamily, Manufactured Housing, Self-Storage and Hotel

Personal Guarantee required

Taxes, Insurance, Replacement Reserves (based on Property Condition Assessment) and TI/LC (if applicable)

Multiple permitted for fee of 1% of UPB

Appraiser paid COD – all other fees taken at closing

21 to 45 days from application

Bridge Loans Up to 70% LTV

Rates starting at 7.5% – Interest Only

12, 24, 36 month

Nationwide (in major markets)

Close quickly

Must have an “Exit Strategy”

Property types include: Mixed-Use, Multi-Family, Office, Retail, Warehouse, Lt. Industrial, Self-Storage, Automotive, Restaurant/Bar, and more.

Needed For Submission

1. Executive Summary

2. A Complete 1003 and Personal Financial Statement for all Borrowers

3. Current Trimerge Credit Report (within 30 days)

4. Color Pictures of Subject Property

5. Rent Roll

6. Operating Statement (Last 2 Years and Year to Date)

HARD MONEY A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by the value of a parcel of real estate.

Non-conforming asset based loan

Rates start at 9.99%

Term 12 – 36 months (Usually with 6 – month Interest Guarantee)

History of low credit, short sales or foreclosures, foreclosure bailouts, etc.

Max LTV 60%

Property types include: Mixed-Use, Multi-Family, Office, Retail, Warehouse, Lt. Industrial, Self-Storage, Automotive, Restaurant/Bar, and more.

Needed For Submission

1. Executive Summary

2. A Complete 1003 and Personal Financial Statement for all Borrowers

3. Current Trimerge Credit Report (within 30 days)

4. Color Pictures of Subject Property

5. Rent Roll

6. Operating Statement (investment properties only)

7. 2 Years Tax Returns Personal and Business (if applicable)

Mobile Home Parks Convenience Store (No Gas) Day Care Car Wash Bar / Restaurant Church Lite Industrial Self-Storage Office Condo Retail Warehouse Office Multi-family Mixed use Automotive

GROUP 11

CODE: CAP89LJ BRIDGE FINANCING Loans can range from $1 Million to $25 Million with terms from 30 days to 3 years. Each loan is unique in that it can include interest coupons structured as current pay or accrual and amortization schedules ranging from interest only to fully amortizing. financing can be utilized by owner/operators of real estate (i) to complete new acquisitions or developments; (ii) to recapitalize existing assets; (iii) to repurchase existing debt from current lenders; (iv) to acquire existing performing/non-performing mortgages; (v) to fund plans of reorganization or debtor in possession loans in the context of bankruptcy filings; (vi) for other unique financing situations. • Financing Amount: $1 Million to $25 Million • Pricing: 8% - 12% • Fees: 1 - 4 pts • Term: Up to 3 years • Amortization: Interest only or Amortizing • Security: First Mortgage Lien • LTC: Up to 80% (sponsor and asset specific) • LTV: Up to 75% (sponsor and asset specific) • Lockout: Deal Specific • Asset Class: All types of commercial real estate • Location: Arizona, S. California, Nevada, Texas, Utah and Colorado

MEZZANINE FINANCING • Financing Amount: $1 Million to $25 Million • Pricing: Rates and fees adjusted for risk and leverage • Term: Up to 3 years • Amortization: Typically not required • Security: 100% pledge of ownership interest and/or second lien • LTC: Up to 80% • Lockout: Deal Specific • Uses: Acquisition, Recapitalization, Construction, Refinancing

NOTE PURCHASES financing for the acquisition of both performing and non-performing mortgage loans. Many financial institutions in an effort to avoid the time and expense associated with the foreclosure process are willing to sell underperforming loans at a discount. There are few lenders willing to finance note purchases due to the complicated nature of distressed debt situations as well as the fact that such financing is not secured by a direct first mortgage. flexible and timely financing to small and medium sized investors acquiring distressed debt secured by commercial real estate. • Financing amount: $1 Million to $25 million per loan • Pricing: Rates and fees adjusted for risk and leverage • Term: Up to 3 years • Eligible loan types: Typically secured office, industrial, multi-family, and retail properties and fully entitled land • Recourse: Recourse to Principals • Timing: ensure there is sufficient time to close once an agreement to buy the debt has been reached

GROUP 12

CODE: CAPS0902

• Loan Size: $2mm to $75mm • Loan-to-Value: Up to 75% (with additional capital secured by business asset value) • Loan Terms: Up to 24 Months • Asset Types: Multifamily, All forms of Senior Living, Hospitals, Office, Hospitality, Student Housing, Retail,

Industrial, Time Shares, Office, Industrial/Warehouse, Quick Service Restaurants, Franchises, Car Dealerships, Marinas, Gas Stations, C&I Loans (Receivables, A/R, Inventory & Equipment), Mixed-Use, Airplanes, Ships, Consumer Loans

• Transaction Types: Senior Secured 1st Mortgage Bridge Loans • Geography: Anywhere in continental U.S., Puerto Rico, the Caribbean, Europe and Canada • Loan Purpose: Business or Commercial Purpose Only

GROUP 13

CODE: CAPMY5G

Bridge Loan Program: • Existing, income-producing, multitenant, investor properties:

• Office • Industrial/Warehouse • Multifamily/Student Housing • Mixed-use • Retail • Manufactured Housing • Self-storage

• Preferred loan size $5,000,000 to $30,000,000 • Stabilized or Un-stabilized with a light, moderate or heavy lift • Future funding for Capex and/or TI/LC’s • Class A & B asset quality (Class C when being upgraded to Class B) • Nationwide but where there is a population of 75,000 people and greater within 5 miles of the subject

Loan Structure: • At the time of closing, a maximum of 70% to 75% LTV of the as-is value and if future funding is needed

for Capex and TI/LC’s, then 75% LTV of the appraised stabilized value • 1 to 3-year primary term with options to extend up to 5 years • Floating rate financing, interest only, priced at 30-day LIBOR + 450 to 550 bps • Prepayment penalty for half of the initial loan term • Fee of 2% and the broker fee can be financed into loan and paid from loan proceeds (no exit fee) • Other costs generally range from $10,000 to $15,000 plus the cost of legal and an interest rate cap (if

floating rate) No’s: • No loans under three million dollars • No rescue or bailout scenario’s for borrowers in foreclosure or bankruptcy • No single-family residential properties or single-family residential developments

• No ground up construction, land development or rural properties • No master leased properties or operators with limited experience • No special purpose or single purpose properties such as hotels, bed & breakfast, cannabis farms,

cannabis warehouses, cannabis oil extraction facilities, golf courses, marinas, assisted living facility (ALF’s), independent living facilities, senior care facilities, memory care facilities, rehabilitation care centers, mental wellness centers, ski resorts, SRO’s, wineries, dealerships, hospitals or locations that perform surgery

• No second mortgages, loans to purchase notes or equity loans

GROUP 15

CODE: CAPLN43A

Loan Parameters Loan Size: $1,000,000 – $100,000,000+ Term: 6 months to 3 years Rate: 7.5% – 9.75% Fee: 1% in / 1% out LTV: Up to 80% Minimum Interest: 0 – 9 months Guaranty: Flexible Amortization: Interest Only Property Type: All Types Considered Geography: Tier 1 to 3 Markets Nationwide Security: First Lien Position

Scenarios

• Time-of-the-essence closings (1-3 weeks) • Distressed or transitional borrowers (credit or liquidity issues, bankruptcy, litigation) • Transitional/value-add real estate w/ capex/TI/LC • Bridge-to-Agency, HUD, CMBS • Construction completion • Partnership buyouts • Foreign nationals • Note financing • Special situations or ‘story’ deals

• DPOs

Transitional Multifamily Bridge Senior-Secured Bridge Loans for Bankable Sponsors Who Need Flexible Capital for Value-Add or Transitional Multifamily

Loan Parameters

Loan Size: $5,000,000 – $100,000,000+ Term: 6 months to 5 years Rate: L + 295 – L + 525 Fee: 1% in / 1% out LTC: Up to 85% Minimum Interest: 0 – 12 months Guaranty: Flexible Amortization: Interest Only Property Type: Multifamily Geography: Tier 1 to 3 Markets Nationwide Security: First Lien Position

Scenarios

• Sponsors who need a longer term but want flexibility to prepay the loan as early as 6 months • Bridge-to-Agency, HUD, CMBS • Transitional/value-add multifamily real estate with capex • Lease-up plays • Construction completion

• Other property types considered on a case by case basis

GROUP 16

CODE: CAPD0098 Our loans range from $750m to $50mm in size with terms of 1-2 years plus extensions, rates starting at 8%, up to 80% LTV, origination fees from 0-2% and anytime prepayment without penalty. Since we are a balance sheet lender, we can move quickly and decisively on transactions, closing deals in as little as 2 weeks.

Loan Terms Loan Size $750m to $50mm

Term 1-2 years plus extensions

Rates Starting at 8% with Floating and Fixed Options

Loan To Value Up to 80%

Origination Fee 0-2%

Security First Mortgage, Second Mortgage, Mezzanine

Funding Time As little as 2 weeks

Amortization Interest only

Prepayment Anytime without penalty

Loan Types • Bridge Loans • Mezzanine Loans • Renovation Finance • Debt Purchases • Preferred Equity/Partnership Interest

Asset Types • Multifamily • Mixed-Use • Retail • Hotels • Offices • Parking • Industrial • Self-Storage • Condo • Condo Inventory • Mobile Home Parks

Funding Uses • Acquisitions • Repositionings • Discounted Payoffs • Restructuring • Partner Buyouts • Note Financing • Bankruptcy Resolution

GROUP 17

CODE: CAPOMNC1

CANADA LOAN AMOUNT Up to $20,000,000 TERM 6 to 24 months with Renewals INTEREST RATE Starting at 7% TIMING TO CLOSE 24 Hours (Residential) 48 Hours (Commercial) Areas of Expertise

Residential

Commercial

Industrial

Purpose-Built Assets

Land Development

Residential & Commercial Construction Target Transactions

Acquisition Financing

Refinancing

Construction Financing Markets

Ontario Financing Parameters

Lending Parameters: Flexible and customizable for each transaction Timing to Close: 24 hours (Residential) & 48 hours (Commercial) Loan Size: Up to $20,000,000 Loan to Value: Up to 70% Lien Position: First mortgage Loan Term: 6 to 24 months, with renewals Extensions: Available with a 1% renewal fee Interest Rate: Starting at 7% Amortization: Interest Only Pre-payment: Flexible. Open on 1 month’s notice and payment of 1 month’s interest premium Payment Frequency: Monthly Reports: Appraisals, Quantity Surveyance, Environmental Reports, Insurance Reviews where applicable

USA LOAN AMOUNT Up to $15,000,000 TERM 6 to 24 months with Renewals INTEREST RATE Starting at 8% TIMING TO CLOSE 7 Days Areas of Expertise

Industrial

Commercial Acquisitions

Refinance

Construction Target Transactions

Acquisition Financing

Distressed Sales / REO

Refinancing

Discounted Pay-Offs

Non-Performing Note Acquisitions Markets

New York

Florida

California

Illinois

Texas

Nevada

Other Urban Centers Financing Parameters

Lending Parameters: Flexible and customizable for each transaction Timing to Close: 7 Days Loan Size: Up to $15,000,000 Loan to Value: Up to 70% Lien Position: First mortgage Loan Term: 6 to 24 months with renewals Extensions: Available with 1% renewal fee Interest Rate: Starting at 8% Amortization: Interest Only Pre-payment: Flexible. Open on 1 month’s notice and payment of 1 month’s interest premium Payment Frequency: Monthly Reports: Appraisals, Cost Consultant, Environmental Reports, Insurance Reviews where applicable

GROUP 18

CODE: CAPTIL61

Typical candidates are borrowers with equity in real property that exceeds the loan value or substantial down payment but who cannot qualify because of poor credit, high debt-to-income ratios or inability to traditionally document income. Clients often seek hard money loans when they need cash quickly, and cannot wait or do not qualify for a typical bank loan. Eligible Properties :: Retail Strip Centers

:: Residential Investment - REO Flips and Rentals :: Luxury Residential (investment purpose) :: Multi-Family :: Condos (investment purpose) :: Light Industrial :: Mixed Use :: Office :: RV / Mobile Home Park :: Special Purpose Lending Parameters :: Financing Types: First trust deeds, structured finance, acquisitions :: Location: Metro areas nationwide (CA, AZ, FL, OR, TX preferred) :: Rates: 6.99% to 12.99% :: Fees: 2 to 4 Points :: Loan to Value: 55%, and up to 65% with exceptions :: Amortization: Fixed and Interest Only :: Income Doc: Stated and Alt Doc Programs :: Loan Term: 6 months to 5 years+ :: Loan Amounts: $300,000 to $10 million Product Niches :: Low Occupancy, Stabilization, :: CMBS Workouts, Balloon Payments :: Credit Challenges, BK, Foreclosure Bailouts :: Discounted Payoffs :: 1031 Exchanges, Bridge Financing :: Bank Turndowns :: Quick Closings :: REO Acquisitions :: Bank Dispositions :: Partner Buyouts :: Performing and Non-Performing Note Purchases Alternative Financing Strategies: :: Structured Finance :: Real Estate Syndications :: Sale Leasebacks :: Joint Ventures :: Debt and Equity Purposes: :: Discounted Note Purchases :: Bulk REO Acquisitions :: CMBS Workouts :: Loan Maturities :: Asset Stabilization

GROUP 18

CODE: CAPINVG5

Investment Criteria TRANSACTION SIZE • Up to $50,000,000 GP / PARTNER PARTICIPATION • Preference for 10-20% PREFERRED RETURN • 9-15%, varies by investment type GEOGRAPHIC FOCUS • Western United States EQUITY COMMITMENT • $1,000,000 - $8,000,000 INVESTMENT TIMELINE • Up to 8 years OPERATING PARTNER PROMOTE STRUCTURE • Varies by investment type SECTOR FOCUS • All sectors

GROUP 19

Hard Money Lending / Sale and Leaseback / Canada and USA

• Loans from $1,000,000 to $15,000,000 (real estate and construction, we can exceed) • Terms ranging from 6 months to 36 months, no pre-payment penalties • Interest only and in some cases can be deferred | No upfront fees

Industry

• Manufacturing | Construction | Real Estate | Retailers and Distributors | Transportation • Oil and Gas

Types of Loans

• Bridge Loans | Asset based Loans | Mezzanine Finance | Inventory Finance | Refinancing • Exit Loans | Recapitalizations

Code: FUNINCG77

GROUP 20

Code: DMHMEQ302

Commercial Property Loans

All types of income-producing properties are considered with competitive pricing and terms. We price and structure each loan based upon its merits using sound underwriting and a fair assessment of the property, to ensure our borrower gets the best terms available.

You have connected to the premier nationwide commercial mortgage lender providing loans of $1,000,000 and up for:

• Hospitality properties | Industrial properties | Mobile home parks | Mixed-use properties • Multi-family | Office buildings | Retail centers | Single tenant and owner-user • Special purpose properties

We provide the following financing:

• Bridge loans • Permanent loans • Mezzanine debt • Preferred equity • Joint-venture equity

Healthcare Property Loans

Actively financing all types of senior living facilities and specialty medical facilities.

Healthcare real estate financing? We specialize in it. You have connected to the premier nationwide healthcare mortgage lender providing healthcare real estate loans of $1,000,000 and up for:

• Assisted living facilities | CCRC's | Independent care facilities | Skilled nursing facilities • Medical office buildings | • Surgery centers • Not-for-profit hospitals • Proprietary hospitals • Senior Housing

We provide the following financing:

• Bridge loans | Permanent loans | Mezzanine debt | Preferred equity | Joint-venture equity

Mezzanine/Equity Financing

We are active sub-debt capital provider of mezzanine debt and a provider of equity for income-producing properties, properties that are being repositioned, and properties needing rehab or expansion. This financing vehicle is a "hybrid" of equity and debt, and used to expand a company's liquidity or complete a real estate project.

Unlike a hard money loan that is solely secured against the real estate asset, a mezzanine loan is secured by a pledge, or assignment, of the property's ownership entity. Often a mezzanine lien is not secured by the real estate asset. We look for mezzanine opportunities in all 50 states, and prefer transactions beginning at $5 million (lower amounts on a case-by-case basis only).

Equity Financing

A higher leveraged financing option typically used when the existing senior lender prohibits subordinated debt financing.

Similar property types, locations, and sizes to our mezzanine program, equity structure varies based upon the following:

• Stabilized cash-flowing properties • Repositioning or "value-add" properties • Rehab/expansion

Hard Money Loans

A direct source of capital for those properties that do not qualify for institutional-type financing for one reason or another.

Therefore, our pricing and costs vary and are customized for each loan.

Our general parameters are as follows:

TERM: 1--5 years

LENDING AREA: Nationwide

AMORTIZATION: Interest Only

LOAN-TO-VALUE: up to 70%

LOAN AMOUNTS: $250,000--$25 million

INTEREST RATE: 8%--13%

PREPAYMENT PENALTIES: None

CASH OUT: Allowed

GROUP 21

CODE: CAPLI909A

Specialty Bridge

Loan Amount $3 - $100 million

Interest Rate 5.50% - 7.99% + LIBOR

Loan Term 6 - 24 months + Extensions


Security First Mortgage Lien or Deed of Trust

Loan-to-Value Up to 70% of Stabilized Value

Loan-to-Cost Up to 75%

Origination/Exit Fees

1 - 2%

Minimum Yield 6 - 12 months

DSCR Not Required

Recourse Non-Recourse Available

Borrower/Guarantor No min. liquidity re'd, asset-based loans only

Asset Types All major assets type

Loan Type Quick closing, construction, rehab, repositioning, value-add, pre-development, loan purchases

Geographical Focus Southeast & Central U.S. - primary and secondary markets

Construction



Loan Term 24 months + Extensions



Loan-to-Value Up to 65% of Stabilized Value


Origination/Exit Fees 1 - 2%



Asset Types All major assets type


Closing Timeline 30 days

Land



Loan Term 12 - 24 months + Extensions



Loan-to-Value Up to 55% of As-Is Value


Origination/Exit Fees 2 - 3%

Minimum Yield 6 - 12 months



Location Infill & Developed Suburbs Only

Loan Type Predevelopment to Construction, Acquisition, Refinance, Cash-Out, Loan Purchase & Ground Lease


REHAB LOANS

CODE: CAPVECU6 Rental Portfolio • 5+ rental properties

• Single-family, 2-4 units, condos, townhomes, multifamily

• $500K – $100M+

• Up to 75% of cost

• Fixed rates

• 5, 7, 10 year terms

• Non-recourse options available

• Stabilized (leased) portfolio

• Foreign nationals eligible

• Nationwide lending

Credit Line • 1-500+ properties

• Single-family, 2-4 units, condos, townhomes, multifamily

• $100K - $50M


• Fixed and floating rate options

• 18-24 month terms

• Revolving credit options available

• Renovation financing available



Rental Loan • Individual rental properties

• Single-family, 2-4 units, condos, townhomes

• $67.5K - $1.9M

• Up to 75% of value

• Fixed rates

• 30 year term

• Purchase or refinance

• Currently (or soon) leased



Fix and Flip Loan • Individual projects

• Single-family, 2-4 units, condos, townhomes

• $250K - $15M


• Fixed rates

• 12-24 month terms

• Purchase or refinance

• Renovation financing available


• Nationwide Lending

REHAB LOANS

CODE: LABLREO55

• We offer Rehab, Construction and Investor Loans

• Non-Owner Occupied, Investor Properties Only

• We finance Distressed, REO, and Short Sale residential investor properties

• We lend in NJ, NY, Southwest CT, Eastern PA, MD, VA, and D.C.

• Quick Approvals

• No Hidden Fees

• No Hassle Closings

• Can close in days

• Flexible, Reliable, Professional and Fast

Short-term, asset-based loans, extended to real estate owners, investors and builders. Our borrowers typically use the borrowed funds to purchase and rehabilitate residential real estate in an attempt to sell the finished properties at much higher prices. Standard loan is:

• for one year / interest only / has no prepayment penalty

Loans are secured by the residential real estate that is being purchased and/or renovated. We require loan to current value ratios, AT PURCHASE, of between 75%-80%.

We also lend based on the “After Repair Value” (ARV) of the property. Our loans are based upon an ARV that is generally between 50%-65% depending upon the stability of the neighborhood, where the property is located, and the experience of the borrower. We also require personal guarantees by our borrowers and, in some cases, their spouses. We focus on personal credit and collateral underwriting that is geared to specific individual circumstances. We are just as interested in borrower credit and character as collateral sufficiency but we can and do exercise much more flexibility and timeliness with respect to approval and funding.

Thus, while our loans are higher in cost than traditional bank loans, we are much quicker to qualify our borrowers, value the purchased property and close our loans than banks are able to.

REHAB LOANS

CODE: CAPODCM

Fix & Flip Loans Advantages of Fix and Flip Loans: • Rates starting 7.99 % • First time Fix & Flipper welcome • 620 min FICO • Up to 90% of purchase • 100% Rehab Funds • All States except: Alaska, Arizona, South Dakota & North Dakota • Max 75% After Repair Value • No pre-payment penalty • Loan amounts 100K on Acquisition to 5 Million • No hurdles- a very user-friendly and streamlined process • No interest charged on unused rehab funds

Multi Family

• Rates starting 9.99 % • First time Fix & Flipper Welcome • 640 min FICO • Up to 85% of purchase • 100% Rehab Funds • Max 75% After Repair Value • No max units; 5+ • All States except: Alaska, Arizona, South Dakota & North Dakota • 3-month pre-payment penalty – exceptions for seasoned investors • Loan amounts 250,000 to 5 Million • No hurdles- a very user-friendly and streamlined process

Ground Up Construction Loan Terms • Experience minimum 2 projects within the last 36 months • No Rural Areas • Fico min 650 • Property types 1 – 4 units • No Pre-Pay • Blanket Loans • Loan Amount 75K – 1.5 Million • Term 12 months • 60% of Land Acquisition • 100% of construction cost • Max 70% ARV (After Repair Value) • All States except: Alaska, Arizona, South Dakota & North Dakota

Advantages of New Construction Loans • Competitive financing and loan terms • Fast approvals and closings for ground-up projects • Up to 85% of project cost • Interest only loans

Mixed Use • Rates starting 9.99 % • First time Fix & Flipper Welcome • 620 min FICO • Up to 85% of purchase • 100% Rehab Funds • Max 75% After Repair Value • All States except: Alaska, Arizona, South Dakota & North Dakota • 3-month pre-payment penalty – exceptions for seasoned investors • Loan amounts 250,000 to 5 Million • Qualifications: Over 50% residential • No hurdles- a very user-friendly and streamlined process

Rental Loans

Qualifications • 620 Minimum FICO / 680 Foreign Natl’ • 6 month Property Mgmt Experience • MUST Close In A Business Entity LLC- LP • Leases in Place or Signed Leases & Deposit

Loan Terms • Purchase & Refinance • 30 Year No Baloon Pmt • I/O Period -0-10 Years • Amortizition 20-30 years • Hybrid Arms 5/7/10 year / 3 year PPP No PPP Option Aval.

General Info • Purchase/Refinance of Rental Prop. • Refinance/Consolidate Multiple / Rental Prop. • 1-4 Family / Condo/Townhouses, PUD’s • Nationwide except MN,NV,ND,SD,VT, &WV

Max Leverage • Minimum DSCR 1.25% / Maximum PDTI 80% • 80% on Purchase or Refi if owned <=90 Days 100% if owned >90 Days • Max As Is Value 80% /70% FN

Documentation • Application • 6 month Property Mgmt Experience / Business Entity Documentation • Two Forms ID / Tri Merge Credit Report • Leases or Proof of Deposit for Vacant Properties

Pricing • Rates Starting at 4.99% • Mini.Loan Amt. 75K Acquisitio • Max Loan Amt. 1 Million +

Thank you for the inquiry and opportunity. In order for me to get started, I will need the following below. If you already have documents on hand, please forward to [email protected]. Minimum Documents Require depending on the request type for initial review; 1. Application (Residential and Commercial Properties) 2. Executive Summary (usually for project funding) 3. Photos of subject property 4. Proforma 5. Construction budget 6. Profit and Loss 7. Personal Finance Statement 8. Last two years tax returns (business and personal) 9. Rental leases 10. Mortgage statements 11. Other documents such as; credit, Corp. info, Sales Contract etc? The document list above is only a sample of what could be require. Download applications below as needed: Commercial Loan Application Property types: Multifamily, Mixed use, Retail, Office, Warehouse, Industrial, Land Rehab Lending Application Property Type: Non-owner investments, Single Family Homes for Rental or Buy and Hold Residential Loan Application Property Type: Non-owner investments, Single Family Homes for Refinance Executive Summary Form For Construction/Development. Equity and Debt Request.

Lester Bennett

Gain Financial Services

C (562) 762-7610

F (214)764-8434

[email protected]

[email protected]

Ca Broker Lic. 01418690

www.gainfs.com

www.gfscommercialloans.com

LinkedIn

mailto:[email protected]

http://gainfs.com/forms/commercial%20loan%20app.zip

http://gainfs.com/forms/residential%20rehab%20pack.zip

http://gainfs.com/forms/residential%20app%20forms.zip

http://gainfs.com/forms/project%20funding%20app.zip



http://www.gainfs.com/

http://www.gfscommercialloans.com/

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