Multi-Family Small Balance, Small Balance Commercial Loan, Construction Loan, Bridge Loan

Lending Area: Nationwide
Preferred Loan Amount: $500,000 to $100,000,000
Loan Term: 5, 7, 10 Years
Interest Rate: Competitive Yield Spread + LIBOR or Corresponding SWAP Rate, both floating and fixed rate optional available
Amortization: Up to 25 Years
Minimum DSCR: 1.25x
Maximum LTV: 75% of market value on Multi-family; Up to 65% of the market value on all other property types
Lien Position: 1st Lien
PrePay Penalty (PPP): 5% for first 5 years or step-down schedule
Minimum Credit Score: 700 FICO
Liability: Recourse (Non-Recourse also available)
Lender's Due Diligence Fee: Borrower is responsible for all third party report fees (which include appraisal, engineering and phase I enviromental reports), commitment fee and lender's legal fees. Lender will issue a quote for the reports and borrower will then deposit all third party report fees with the Lender directly. All third party reports will be engaged by lender.

Lending Area:  East Coast: MA, RI, CT, NY, NJ, PA, MD, VA, NC, GA, FL
                      West Coast: WA, OR, CA, NV
                      Southern States: AZ, UT, NM. TX
Preferred Loan Amount: $500,000 to $10,000,000
Loan Term: 3, 5, 7, 10 and 15 Years
Interest Rate: Currently, loans are priced between 2.85% to 5.5% Fixed
Amortization: 15, 25 and up to 30 Years
Minimum DSCR: 1.25x
Maximum LTV: 75%
Lien Position: 1st Lien
PrePay Penalty (PPP): 3% or 5% Depend on loan term
Minimum Credit Score: 720 FICO
Liability: Recourse (Non-Recourse also available)
Lender's Due Diligence Fee: Borrower is responsible for all third party report fees (which include appraisal, engineering and phase I enviromental reports), commitment fee and lender's legal fees. Lender will issue a quote for the reports and borrower will then deposit all third party report fees with the Lender directly. All third party reports will be engaged by lender.

Lending Area: NationwideL
Preferred Loan Amount: $1,000,000 to $5,000,000
Loan Term: 25 Years, no balloons or calls, loan is fully amortized over the life of the loan
Interest Rate: Competitive variable and fix rates available
Amortization: Up to 25 Years
Minimum DSCR: 1.20x
Maximum LTV: Up to 130% of the market value, if real estate is involved; OR
                       Up to 130% of the transaction costs if purchasing an existing pratices or buy out partner's interests.
Lien Position: 1st Lien
PrePay Penalty (PPP): 5% - 3% - 1% for first three (3) years
Minimum Credit Score: 720 FICO

Liability: Recourse (Non-Recourse also available)
Lender's Due Diligence Fee: Borrower is responsible for all third party report fees (which include appraisal, engineering and phase I enviromental reports), commitment fee and lender's legal fees. Lender will issue a quote for the reports and borrower will then deposit all third party report fees with the Lender directly. All third party reports will be engaged by lender.

Qualified Loan Type: Acquisition, Refinance, Loan Bailed-Out, Re-Positioning. Monir Renovation allowed
Lending Area: Nationwide
Preferred Loan Amount: $1,000,000 to $20,000,000
Loan Term: Up to 3 Years
Interest Rate: 6.750% to 9.750% over Prime, Floating
Amortization: Interest Only
Minimum DSCR: 1.00x
Maximum LTV: Up to 60% of the market value
Lien Position: 1st Lien
PrePay Penalty (PPP): None - after 6 months
Minimum Credit Score: 700 FICO
Liability: Non-Recourse with standard cave-out
Lender's Due Diligence Fee: Borrower is responsible for all third party report fees (which include appraisal, engineering and phase I enviromental reports), commitment fee and lender's legal fees. Lender will issue a quote for the reports and borrower will then deposit all third party report fees with the Lender directly. All third party reports will be engaged by lender.

Lending Area: MA, NJ, NYC, Chicago Area, Houston, Dallas, and CA
Preferred Loan Amount: $3,000,000 to $20,000,000
Loan Term: Up to 24 Months
Interest Rate: 50bps - 200bps over Prime, with minimum floor rate of 4.00% adjustable
Amortization: Interest Only
Maximum LTV: Up to 60% of the completion of market value
Lien Position: 1st Lien
PrePay Penalty (PPP): None - after 6 months
Minimum Credit Score: 720 FICO
Liability: Full Recourse
Lender's Due Diligence Fee: Borrower is responsible for all third party report fees (which include appraisal, engineering and phase I enviromental reports), commitment fee and lender's legal fees. Lender will issue a quote for the reports and borrower will then deposit all third party report fees with the Lender directly. All third party reports will be engaged by lender.