Commercial and Hotel Lending, LTV 75% or Higher

Commecial & Hotel Lending, LTV of 75% or Higher

Loan Program # 1

TRTY    Nationwide

AMNT   $225k - $15M

LTV       Up to 80 - 85%  (CLTV allowed up to 90%)

INT       Conventional Market

PTS      1 - 3

TRM     5 / 25

PPP      5-4-3-2-1

All Commercial Real Estate Types

Loan Program # 2

                                                                     Bad Credit

TRTY    Nationwide, Except CT, VT            Bad Property              Construction

AMNT   $250k - $25M                                 $250k - $25M             $250k - $25M

LTV       Up to 95%                                       Up to 70%                   100% LTC of 90% ACV

INT       5.25 - 8.0%                                     10 - 13%                      7.25 - 12%

PTS      2 - 4                                                 2 - 4                             5

TRM     25 / 25                                             1-3-5 year                    2 - 4 years

PPP      Fixed Period                                    Fixe Period                  None

CRDT   640                                                  None                            650

Loan Program  # 3

                           Construction      Bridge                Commercial

TRTY                 Nationwide         Nwide & Internl  Nationwide

AMNT                $1M - $50M       $1M - $100M     $1M - $50M

LTV                    90% LTC                         80%                   80%

INT                     6 - 9%                9 - 14%              6.5% and Up

PTS                   3                         1 - 4                   1 - 4

TRM                  5 / 25                  1 - 3 years         5 / 25

PPP                   None                  None                  5-4-3-2-1

Gas Station with or without Convenience Store Lending

Loan Program # 1

Territory          Nationwide
AMNT              $100k - $2M
LTV                 65%
INT                 10 - 15%
PTS                 3 - 6
TRM               12 - 36 months
PPP                None
CRDT             Not FICO driven

Bridge / Hard Money Loans / SBA Fallout  - Looks usually at O/O Commercial
Trophy Homes: AZ, CA, CO, FL, ID, HI, NV, NY, OR, UT, WA
Construction / Construction Completion $1M and up, SE & SW $200k and up


Loan Program # 2

TRTY            ID, WA                        Nationwide
AMNT           $50k - No Max            $300k - No Max
LTV              70%                            70%
INT               9 - 15%                      12 - 14%
PTS              2 - 6                            4 - 5
TRM             12 - 36  months          12 - 36 months
PPP               None                          None


Loan Program # 3

TRTY            National         
AMNT           $25k - $2M
LTV              65%
INT               10 - 14%
PTS              3 - 6
TRM             6 - 24 months
PPP              No
Credit           No score requirements

Stated and Full Doc to 65% LTV
DSCR may be relevant in some cases


Loan Program # 4

TRTY           Nationwide
AMNT          $100k -  $5M
LTV             50 - 70%
INT              10 - 15%
PTS             2.5 - 6
TRM            15 / 30 
PPP             None

Will not lend on 1 - 4 unit apartment buildings

Multifamily, Apartments, Mixed Use, Office, Retail, Warehouse,
Industrial, Shopping/Stip Centers, Storage, ALF, Mobile Home Park,
Auto Repair, Restaurant, Daycare, Funeral Home, Gentleman's Club,
Gas Stattion, Motel, Church, B & B, Golf Course, Dary Care, Other

APARTMENT FINANCING: Up To 90% LTC

TRTY             Nationwide

AMNT          $2M (minimum)    Cash Flow Analysis

LTV               75 – 80%               Nationwide

                      90%                       Boston, DC, New York City, San Francisco, San Jose

CLTV             Cased by Case       Seller seconds allowed

INT               6.5 – 7.5%            Interest Only

PTS               2 – 4                      To Lender

TRM             1 – 2 years

PPP               No pre payment penalty

CRDT            Not credit driven

DSCR            Not  ratio driven

Loan Types:                       Acquisition, Refinance, Renovation, Repositioning,

                                             DIP Properties, REO Purchase, Low Occupancy Properties

Property Type:                 Buildings or Complexes

Cash Flow Analysis:         Common sense evaluation, need sufficient cash flow to pay debt service or show ability to pay debt service during term of loan