Loan Amounts $100k - $20 Million Example Rate rate ranges, LTV, DSCR, Term and Amortization Owner-User Properties: 4.5% - 8.875% 90% 1.25 3, 5, 7, 10, 15, 25 15, 20, 25 Apartment / Multifamily: 3.25% - 7.5% 85% 1.15 3, 5, 7, 10, 15, 35 25, 30, 35 Healthcare / Senior Housing: 3.75% - 7.76% 85% 1.20 5, 7, 10 , 35 20, 25, 30, 35 Condominium Conversions: 6.25% - 9.74% 80% 1.25 3, 5, 7, 10 % Only, 30 Retail: Anchored: 4.75% - 7.5% 80% 1.25 3, 5, 7, 10 20, 25, 30 Retail: Unanchored: 5.0% - 8.0% 75% 1.30 3, 5, 7, 10 20, 25, 30 Mobile Home Park: 5.0% - 8.5% 80% 1.20 3, 5, 7, 10 20, 25, 30 Office / Medical Bldg.: 4.5% - 8.25% 80% 1.30 3, 5, 7, 10 20, 25, 30 Industrial / Warehouse: 4.25% - 8.5% 80% 1.25 3, 5, 7, 10 20, 25, 30 Self - Storage: 4.5% - 7.50% 80% 1.30 3, 5, 7, 10 20, 25, 30 Gas Station / C-Store: 5.25% - 8.75% 80% 1.45 3, 5, 7, 10 20, 25 Mixed-Used / Special Purpose: 5.5% - 8.5% 80% 1.35 3, 5, 7, 10 10, 15, 20 Single Tenant,"NNN" 4.5% - 7.5% 80% 1.25 3, 5, 7, 10, 15, 25 10, 15, 20 Hotel / Motel (full & limited): 5.15% - 8.75% 75% 1.40 3, 5, 7, 10, 15, 25 20, 25 Golf Course / Resort / Gaming: 5.5% - 9.5% 70% 1.40 3, 5, 7, 10, 15, 25 20, 25 Outlet Mall (Indoor & Outdoor): 5.15% - 7.5% 75% 1.40 3, 5, 7, 10, 15, 25 20, 25 Church / Synagogue: 5.92% - 8.5% 75% 1.25 3, 5, 7, 10, 15, 25 15 , 20 Land - Raw & Improved: 8.50% - 15.00% 65% N/A 1, 2, 3 % Only Fix & Flip / Rehab (1-4) 9.00%-14.00% 65% ARV N/A 1-1.5 % Only Construction 4.65% - 11.5% Adj. 90% N/A 2, 3, % Only Bridge/Mezzanine Loans 6% - 12.5% Adj. 80% 1.10 1, 2, 3, 5 % The range of pricing is subject to the relationship between DSCR, LTV, quality of real estate, & credit strength of the transaction.

In 2016, the Hispanic Wealth Project released a report stating that Hispanic households make up 7.3 million units in the nation.http://hispanicwealthproject.org/shhr/2016-state-o...Los Angeles alone has approximately 4.9 million Hispanic people.We've started to do our marketing in Spanish and English because of these trends.

Brian Hoyt - There was a Housing Wire article this morning that said something like 2MM households that bought in the last year and half to two years were already underwater.

We are also doing inspections of older commercial properties being demolished to make way for new apartment or condominium complexes.

Next to both of these properties are condominiums and houses in good to very good condition.

Economic Update(Monday, September 14, 2020)A majority of Los Angeles households face serious financial problems due to the COVID-19 pandemic, with Latinos and Black residents bearing the brunt of the economic pain, according to a new poll conducted by the Robert Wood Johnson Foundation for the Harvard School of Public Health.

Keep in mind most home purchasers are dual income households in their prime earning years, it may seem impossible now but patience may well pay off.

To me, this indicates that builders have some confidence that economy is improving in the local area because more households are forming or families are moving to the area. 

>I would consider an investor who personally/passively nets over $200K/month to be a Mogul.I am almost to half that rent, but my cash flow is $hit (my household income last year was poor and we gave away almost 50% of our taxable income).  

To a certain extent, this is a similar debate to the one on the boards where risk is talked about in local v. out of state investing.2) “Owner occupied” is not the same as the consumer definition of “personal, family, or household” purposes.