Blanket Mortgages, Commerical And Bulk Residential REO

Loan Program # 1

Territory   Nationwide Blanket Mortgages  (DF Lending Div)

Amount    $250k - no max

LTV          70% LTC

INT           13%

PTS          4

TRM         5 year interest only

PPP          No

CRDT      Exit Strategy Needed

Loan Program # 2

Asset Based

Amount    $100 - $2.5M

LTV          60% purchase or as is

INT           start 12%

PTS          3

TRM         1 – 5 years

PPP          1 – 5 years

CRDT      None

Loan Program # 3

Territory   Nationwide & International

Amount    $100k - $34M

LTV          65 - 80%

INT           10 - 16%

PTS          3 - 6

TRM         12 - 36 months

PPP          None

CRDT      Need Exit Strategy

Loan Program # 4

TRTY       Nationwide

AMNT      $1M - $50M

LTV          65% ARV

INT           12 - 14%

PTS          6 -9

TRM         6 - 12 months

PPP          None

Bridge Loans, Commercial and N/O/O Residential On ARV

True Hard Money.  Multi Family, Office, Strip Malls, Etc

Residential, must be a minimum of 5 houses

Can roll in interest payment reserve for period of loan

Iowa Purchase And Rehab Lending

TRTY           IA & Nationwide
AMNT          $50 - $5M
LTV             65% ARV (Borrower contribution 15 - 20%)
INT             14%
PTS             4
TRM            12
PPP             None

Missouri Purchase And Rehab Lending

Loan Program # 1
Territory MO (St. Louis Only)
AMNT                   $50k - $1M
LTV                      75 - 100%
INT                     12% 8 months
                          24% 9 - 12 months (Plus 4 points)
PTS                     4 + 4 for extension
TRM                    4 months (ext of 4 pts for 4 more months - then additional interest rate)
PPP                     None

Loan Program # 2

TRTY                  AZ, CA, ID, MO, NV, OR, TX, UT
AMNT                $200k - $25M
LTV                   60%  Land
                        65% Developments
                        75% Construction
INT                   8 - 14%
PTS                  2 - 6
TRM                 6 - 12 months
PPP                  No

Loan Program # 3

Amount            $10k - $300k
LTV                  50 - 60% ARV (100% of purchase/rehab)
INT                 12% 5 4 months (ext of 4 months with 5 pts - will refund prorated)
                      12% 8            6 months
                      18% 8 9 months
PTS                 4
TRM                6 – 12 months
PPP                None

Loan Program # 4

Territory St. Louis, MO and surrounding counties
Amount           No min or max
LTV                 Up to  70% ARV  Will loan on purchase only, no money for the rehab.  Will loan 100% of purchase and roll in points if goes up to the 70%
INT                15%   700 score and over
                     18%   Less then 700 score
PTS                4 (Min of $2000)
TRM               4 months    Then ext of 2 months at a time up to 12 months - 2 points or $1000 min for each extension
PPP                No

Will find 2 loans at a time max

Loan Program # 5

Territory          DE, IL, IN, KS, MI, MO, NC, NJ, NY, OH, PA, TH
Amount          $25k - no max
LTV                70% ARV  (Will pay 100% of deal)
INT                Prime + 6  (Floats)
PTS                5 (ext add 2)
TRM                9 (ext add 4 = 13)
Credit             680
Docs               Full

All costs rolled into loan
Purchase one at a time until track record
20% of Loan into escrow account OR Cross collateralize residence

Hotel And Motel Construction Lending

TRTY         Nationwide
AMNT        $7M - No Max
LTV           96% LTC to 71% ACV
                 4% given by 2nd investor
INT           12%
PTS           6 + 2 = 8 (All Rolled Into Loan)
TRM          12 - 36 months
CRDT        None
PPP          6 month guarantee

No Up Front Fees
Lending For Oil & Gas, Lender will pay for reserve report
Lending on Energy Projects includes: Wind, Bio Diesel, Solar, Etc.

Non Warrantable Condo Lending

TRTY      Nationwide
AMNT     $100k - $3M
LTV        80%
INT        7 - 10%
PTS        2 - 4
TRM       5 - 25 year fixed
PPP        3 years
CRDT     680
DOCS     Full Doc
RSVS     12 months reserves PITI for all mortgages outstanding

Arizona 100% Purchase And Rehab Lending

Loan Program # 1

Territory   AZ Only

AMNT      $25k - $250k  (Up to $500k for Multi's)

LTV          70% of purchase  /  100% of purch/rehab if put 35% of purchase into escrow)

INT           12%                                             12%

PTS          4 (min $2k)                                 6 (min $3k)

TRM         6 months                                    12 months

PPP          4 month guarantee                   6 month guarantee

Loan Program # 2

TRTY       AZ, CA, HI, NV

AMNT      $50k and up

LTV          Up to 100% LTC

INT           12 - 14%

PTS          6

TRM         12 months

PPP          None

Loan Program # 3

TRTY       AZ &TX Only

AMNT      $100 - $10M

LTV          55% ARV (to 100% LTC)

                  35% Land

INT           15 - 18%

PTS          6 - 10

TRM         12 months (ext to 24 months)

PPP          None

True Hard Money, Asset Based, No Credit

Need Appraisal, No Seasoning

Loan Program # 4

Territory   AZ, CA, NV, OR, TX, UT

AMNT      $50k - $5M

LTV          100% LTC of 70% ARV or FMV if purchase

INT           18% (plus $750 after first month payment to exercise 5 month "option")

PTS          4 - 6

TRM         6 + 6

PPP          None

Casino Lending

Loan Program # 1

TRTY       Nationwide, Carribean & South America

AMNT      $500k - $20M

LTV         

Apartments    80%

                  Commercial   75%

                  Industrial         65%

INT           Starts at Prime + 2

PTS          1  (gives point back to Broker)

TRM         10 / 25

PPP          Varies

DSCR      1.15

Loan Program # 2

TRTY       Nationwide

AMNT      $2M - $100M

LTV          75%   (60% for Hotels)

INT           10 - 12

PTS           2 - 3

TRM         12 - 36

PPP          None

REO Purchase, NPN, PN, Distressed Properties,

No Up Front Fees

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