True Hard Money Lending

Loan Program # 1

TRTY       Nationwide

AMNT      $200k - No Max

LTV          50%

INT           12 - 16%

PTS          3 - 6

TRM         12 - 36 months

PPP          No

No Credit Scores, No Income, No Seasoning, No Reserves

Need Reasonable Exit Strategy

           Verifiable Use Of Funds

           Documentation of Leases, Expenses, Etc

Loan Program # 2

Territory   Nationwide, not AK, HI

AMNT      $500k - $15M

LTV          65%

INT           10 – 15$

PTS          2 - 6

TRM         12 – 36 months

PPP          None

CRDT      Low credit scores are ok

Asset based

All properties including raw land

Loan Program # 3

Territory   Nationwide

AMNT      $250k - $10M

LTV          Up to 80%

INT           8 - 15%

PTS          1 - 5

TRM         12 - 60 months / up to 30 year amort

PPP          None

Canada Lending

Territory     Nationwide, Canada, Mexico & Carribean
AMNT         $150k - $25M
LTV            55% Non income producing
                  65% Income producing
                  35% Land
INT            8 - 16%
PTS            3 - 7
TRM           3 - 60 months
PPP            None

Bridge Loans

Loan Program # 1

Bridge / Hard Money Loans / SBA

Territory   Nationwide

AMNT      $100k - $2M

LTV          65%

INT           10 - 15%

PTS          3 - 6

TRM         12 - 36 months

CRDT      Not FICO driven

Trophy Homes: AZ, CA, CO, FL, ID, HI, NV, NY, OR, UT, WA

Construction / Construction Completion $1M and up, SE & SW $200k and up

Purchase, $500k @ 80% and under at 65%

Loan Program # 2

Territory   Nationwide, Not in MI, OH

Amount    $300k - $3M

LTV          50 - 75%

INT           13 - 15%

PTS          3 - 6

TRM         12 months

PPP          No

Loan Program # 3

TRTY       AL, DC, FL, GA, MD, NC, PA, SC, VA

AMNT      $1M - $20M 

LTV          70% Commercial       60%  Land Development    50% Raw Land

INT           9 - 18%

PTS          2 - 6

TRM         12 - 36 months

PPP          None

Private Portfolio Lender

Commercial Property

Blanket Loans

Bridge / Rehab Loans

Multi Family Only

Up to 75% LTC  (purchase + rehab)

18 - 24 months

DSCR 1.0

Loan Program # 4

TRTY       Nationwide

AMNT      $500k - $25M

LTV          Up to 90%

INT           7.5% - 14%

PTS          2 - 6

TRM         12 – 36 months

PPP          None

Business Lines of Credit, Mezzanine, Note Purchase, REO Purchase

Construction - All Types

Loan Program # 5

Direct Commercial Private Lender

Broker Other loans

Purchase up to 90% LTV

TRTY       Nationwide

AMNT      $500k - $25M

LTV          65 - 80%

INT           10 - 15%

PTS          3 - 5

TRM         1 - 5 years

Loan Program # 6

Private Direct Lender

Commercial Lending                                                  Bridge Lending

TRTY       Nationwide                                                  Nationwide

AMNT      $1M - 6M                                                      $1M - 40M

LTV          65 - 75%                                                      50 - 70%

INT           Prime + 1 - 2                                                12 - 16%

PTS          2 – 4                                                               3 - 5

TRM         5  / 20 - 25 amortization                            24 - 36 months

PPP

Also does Venture Capital

Loan Program # 7

TRTY       Nationwide

AMNT      $1M - $500M

LTV          Up to 80%

INT           4 - 7%

PTS          1 - 3.5

TRM         5 / 25 and up

PPP          None to Usual

DSCR      1.25 and up

Loan Program # 8

TRTY       East Coast

AMNT      $100k - $1M

LTV          80 - 90% (and up to 100% for rehab)

INT           12 – 14%

PTS          2 - 4

TRM         3 months to 30 years

PPP          None

CRDT      Need credit report, but may not be relevant

Loan Program # 9

Territory   Nationwide

Amount    $2M - $50M

LTV          75%

INT           10 - 14%

PTS          1 - 4

TRM         12 - 24 months

PPP          No

Any type of commercial property, commercial rehab, commercial construction

Warehouse                                                  Bankruptcy Reorganization

Residential Development                         Hotel Purchase

Construction Office, Retail, Etc                Condo Development

Refinance Rehab                                       Auto Dealership Refinance

Arizona Purchase and Purchase/Rehab Lending

Loan Program # 1

Territory           AZ, CA, FL
AMNT               $50k - $1.5M
LTV                  60%         80%
INT                  12.5          18%
PTS                  3 - 5
TRM                 6 - 12 months
                       2 - 5 years
                       PPP None


Loan Program # 2

Territory         AZ, NV, UT, TX, CA, WA, CO
Amount          No minimum or maximum
LTV                5 - 15% down payment
INT                18%
PTS               3 - 5
TRM              6 months
PPP              30 - 60 days

All properties including Foreclosure Sale Lending
NO CREDIT CONSIDERED. PROPERTY ONLY


Loan Program # 3

Territory         AZ, CO, GA, ID, MD, NC, NB, NM, NV, OR, TX, UT, VA, WA, WV
AMNT             $50k - $250K   ($350k House)
LTV                100% of purchase to 70% ARV (Only lends on SFR)
INT                15%
PTS               5.5
TRM              6 months (2 months for 2 points)
PPP               No
CRDT            620 (under 620 is 18% and 1 point)

EXAMPLE      $150,000      ARV
                  - $20,000        Rehab
                 = $130,000       Sub Total
                         x 70%      Loan Calculation
                =      $91,000    Loan Amount
                +         5,000     Points 
                 =      $96,000   Total Loan Amount


Loan Program # 4

TRTY           AZ, CA, HI, NV
AMNT          $50k and up
LTV             Up to 100% LTC
INT             12 - 14%
PTS             7
TRM           12 months
PPP            None

Loan Program # 5

Territory     AZ, CA, OR, WA   (LA and South - but not too far west of LA)
Amount      $100 - $15M
LTV            Up to 80%
INT             11 - 13%
PTS            2 - 4
Term          3 - 36 months
PPP            No

Will Do Developments and Ground Up Construction


Loan Program # 6

Territory       AZ, CA, NV, OR, TX, UT
AMNT           $50k - $1.5M
LTV              100% LTC of 70% ARV or FMV if purchase
INT              18% (plus $750 after first month paymnet to exercise 5 month "option")
PTS             3 - 5
TRM            6 + 6
PPP             None
CRDT          Not credit driven

Oil and Gas Project, Land, Lease, Lending

TRTY          Nationwide
AMNT         $500k - $500M
LTV            70% as is or purchase
INT            11 - 12%
PTS           5 - 6
TRM          12 - 36 months
PPP           No

Oil & Gas

Mezzanine Lending

We currently have access to an investment fund that primarily makes Mezzanine
loans for opportunistic real estate acquisitions.

Prefer to lend in value added and distressed opportunities, where our capital and
expertise can help turn around and create significant value in the property.

TRTY            Nationwide
AMNT           $200k - $50M
LTV              Up to 85% CLTV
INT               Floating rates and fees adjusted for risk and leverage
TRM              3 years or less
TYPE           1st Mortgage & 2nd Mortgage

Office, Multi Family, Industrial, Retail, Warehouse, Mixed Use, Self Storage

Bed And Breakfast Inn Lending

Loan Program # 1

TRTY       AK, AZ, CA, CO, HI, ID, NM, NV, OR, WA

AMNT      $40k minimum         WA

                  $200k                    OR

                  $400k                    CA

                  $500K                    All other states

                  $7M                       Maximum Loan

LTV          Residential & Commercial      70%

                  Land with Utilites                  50%

                  Raw Land                             40%

INT           10 - 14%

PTS           2 - 4         

TRM          12 - 24 months

PPP           None

Loan Programj # 2

Territory   Nationwide (Not Chicago)

Amount    $100 - $2M

LTV          70%  

INT           11 - 18%

PTS          3 - 6

TRM         12 - 60 months

PPP          1% for 6 months

CRDT       No

Only lending on income producing properties

Will do income verification of property and/or borrower

Loan Program # 3

Territory   Nationwide

Amount    $500k to $50M

LTV          65%   (100% on construction budget)

INT           12 - 18%

PTS          2 - 13

TRM         12 - 36 months

PPP          No

Commercial, Land and Construction

Loan Program # 4

TRTY       Nationwide

AMNT      $250k - $1M

LTV          80% (90% for owner occupied)

INT           6 - 10%

PTS          2 - 4

TRM         10 / 30

PPP          5 / 4 / 3 / 2 / 1

Has Stated Commercial Loan Program

Loan Program # 5

Territory   Nationwide, Not NJ, NV

AMNT      $250k - $35M

LTV          85%             (DSCR 1.1)

INT           10 – 14%

PTS          2 - 4

TRM         2 – 5 years

PPP          None

Alternate Sources of Funding

New Jersey Purchase & Rehab Loans

Loan Program # 1

Territory   CT, DE, NJ, NY, Phil

Amount    $50k - $2M

LTV          65% of purchase, up to 100% of rehab

INT           15%

PTS          4 - 6

TRM         12 months

PPP          No

CRDT      Looks at payment history

RSV         6 months reserve held by lender

Type         All kinds of commercial

Docs Needed :        P & S

                                   Estimate of Repair

                                   Exit Strategy

                                   Experience

                                   1003

                                   Credit Report

                                   Comps / Appraisal

Loan Program # 2

Territory   Phil Area, Newark, to Cape May, NJ, DE, Eastern MA

Amount    $70k - $350k

Amount    $500 - 600k for South Jersey, Cherry Hill, Marlton

LTV          65% ARV (Up to 90% LTC)

INT           12 - 16%

PTS          6

TRM         6 - 12 months

PPP          No

CRDT      660

1 - 4 family residential & Small Commercial

Docs Needed          P & S Agreement

                                   Estimate of Repair  (Draws if required)

                                   Comps (or appraisal if available)

                                   Purchase Hazard Ins.

                                   Reserves $5,000

                                   Minimum deposit $2,500 into deal

                                   No cash at table.  Lender will roll in all loan costs, closing costs, fees

Loan Program # 3

Territory   Purch/Rehab  CT, DC, MA, MD, NH, NJ, NY, PA, RI

                  Phil, DC, Baltimore - 100% purchase + rehab (of 65% ARV)

                  CT, MA, RI – 70% of Purchase, 100% of Rehab

                  All others, 60% of as is or 80% of purchase whatever is lower

Amount    $100k - no max

LTV          See Above

INT           16%

PTS          4

TRM         6 - 12 months

PPP          No

Borrower needs 10 - 15% of the purchase price into project,

plus points and closing costs

Loan Program # 4

Territory   CT, DC, MA, MD, NJ, NY, PA, VA

Amount    $100k - $4M

LTV          Up to 90% (Sometimes from ARV)

                  75% LTC (purchase + rehab)  Standard

INT           15 - 18%

PTS          4

TRM         12 - 24 months

PPP          No

CRDT      620

Borrower needs experience, deal or two in last year

Needs to show money in bank to pay for down payment and carrying costs

Properties include 1 - 4 unit investor, Mixed Use

New Construction : NY, NJ, CT

Loan Program # 5

Territory   OH Only   (Commercial Nationwide) & New York City and North NJ

Amount    No min and No max

LTV          80% of purchase and 100% of rehab (up to 65% ARV)

INT           15%

PTS          6

TRM         6 months (with 2 ext of 3 pts each)

PPP          No

Lender views all properties

No Cleveland

Has Management Company

Commercial Lending

Territory   Nationwide

Amount    $500k- $50M

LTV          70% of purchase

INT           8 - 14%

PTS          2

TRM         6 - 30 months

PPP          No

CRDT      640

Resort Lending

Loan Summary
6.25 - 9.0%   I.O.
No Prepayment Penalty
up to 10 yr term
4 pt charged
Down payment of 3% (can be borrowed from independent investor)
Reserve can be added into loan.
Non Recourse
100% Financing with second investor loan
Up front deposit of $30,000 put in escrow upon term sheet being issued which is refunded when the loan is funded or denied.
REFERENCES AVAILABLE
Projects lender also likes are the following:
Construction Commercial, Developments, Golf Courses, Hotels, Green, Energy, Movies

Auto Dealership Lending, New & Used

Loan Program # 1

Territory   National 

Amount    $500K to $100M

LTV          75%

INT           I/O up to 25 years

SBA, Motels, Warehouse, Retail, Office,

Gas, Auto, Industrial

Loan Program # 2

TRTY       Nationwide

AMNT      $250k - $5M

LTV          65%

INT           12 - 15%

PTS          2 - 5

TRM         12 - 36 months

PPP          None

Loan Program # 3

TRTY       Nationwide

AMNT      $2M - $100M

LTV          75%   (60% for Hotels)

INT           10 - 12

PTS           2 - 3

TRM         12 - 36

PPP          None

Loan Program #4

REO Purchase, NPN, PN, Distressed Properties,

No Up Front Fees

Office Buildings       75% LTV                   Int Rate                     9 - 13%

Apartments             75                               CLTV                         90% on income prod prop

Mixed Use               75                               Points                        4 - 6

Malls                       75                               Terms                        1 - 3

Warehouse             75                               Amount                     $300k - $50M

ALF                         75                               Credit                        600

Hotels Flagged        65                              Down Pay                 Need at least 10%

Auto                         65

Owner Occupied      65

Vacant Bldg             60

Loan Program # 5

TRTY       Nationwide

AMNT      $500k - $15M

LTV          70% as is or purchase

                  (But, if buy a property at 50% LTV, will give

                  funds for rehab)

INT           11 - 12%

PTS          5 - 6

TRM         12 months

PPP          No