| OUR PROGRAM | |
| PRODUCT HIGHLIGHTS | GENERAL PRODUCT FEATURES |
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| PROGRAM AND CREDIT FEATURES | |
| LOAN PROGRAM | 5 year fixed – balloons at the end of 5 years |
| AMORTIZATION | 30 years amortization or interest only option available. |
| ELIGIBLE PROPERTIES | Multifamily, office, warehouse, self-storage, and mixed-use property types |
| INCOME | No Personal or Business tax returns required |
| LTV | Max LTV of 65% |
| LOAN AMOUNT | $5,000,000.00 to $100,000,000.00 |
| RECOURSE | Non-recourse with standard carve-out provisions required |
| BORROWER | All loan are required to close in the name of a Single Purpose LLC |
| TAX & INSURANCE ESCROWS | Tax & Insurance escrows required on all loans |
| FOREIGN NATIONALS | Borrower must have a checking account in a US based Bank |
| How we differentiate from Commercial Banks | |
| LWG | Commercial Banks |
| √ Require Asset Documents Only | X Require Asset & Sponsor Documents |
| √ No Annual Tax Docs | X Annual Borrower Audits |
| √ Higher Borrower Cash Flow | X Annual Business Tax Docs |
| √ Require Asset Documents Only | X Increased Insurance Requirements |
