Rates

Loan amounts range from $1 MM to maximum funding capabilities in excess of $125 MM. The range of pricing is subjective to the relationship between DSCR, LTV, quality of real estate, & credit strength of the project.

As of January 2010

Property Type	Fixed Rates	Max LTV	DSCR	Loan Term	Amortization
Apartment (Apply now)	5.35%-8.15%	90%	1.15	10, 15, 35	30, 35
Industrial loan rates (Apply now)	5.45%-8.95%	80%	1.25	10, 15	25, 30
Mobile Home Park loan rates (Apply now)	5.35%-9.25%	80%	1.20	10, 15	25, 30
Multifamily loan rates (Apply now)	5.35%-8.15%	90%	1.15	10, 15, 35	30, 35
Office (Apply now)	5.45%-8.35%	80%	1.30	10, 15	25, 30
Retail-Anchored loan rates (Apply now)	5.45%-8.75%	85%	1.01	10, 15	25, 30
Retail-Unanchored (Apply now)	6.35%-9.65%	75%	1.30	10, 15	25, 30
Self Storage loan rates (Apply now)	5.45%-8.45%	75%	1.30	10, 15	25, 30
Church/Synagogue (Apply now)	8.00%-9.15%	75%	1.25	10, 15	15, 25
Gas Station loan rates (Apply now)	8.35%-9.64%	80%	1.45	20, 25	20, 25
Healthcare loan rates (Apply now)	5.35%-8.85%	85%	1.20	10, 35	30, 35
Hotel-Flagged loan rates (Apply now)	5.35%-8.85%	80%	1.50	10, 25	20, 25
Outlet Mall loan rates (Apply now)	5.65%-8.55%	70%	1.40	10, 20	20, 25
Single Tenant loan rates (Apply now)	5.65%-8.50%	80%	1.25	10, 15, 25	10, 15, 25
Construction Loan rates (Apply now)	8.00%-12.5% Adj.	90%	1.25	2, 3, 5	% Only
Bridge Loan loan rates (Apply now)	10.35%-18% Adj.	75%	1.25	1, 2, 3, 5	% Only
Gaming loan rates (Apply now)	7.25%-10.50%	70%	1.50	7, 10	20, 25
Golf Course loan rates (Apply now)	7.25%-10.50%	70%	1.50	7, 10	20, 25
Land Raw & Improvement loan rates (Apply now)	10.85%-18.00%	60%	N/A	1, 3, 5	% Only
Mixed Use loan rates (Apply now)	5.45%-8.15%	75%	1.35	15, 25	10, 15, 25
Mezzanine Loans loan rates (Apply now)	12.6%-18% Adj.	90%	1.25	1, 2, 3, 5	% Only
Resort loan rates (Apply now)	6.25%-12.50%	75%	1.50	7, 10	20, 25
Special Purpose loan rates (Apply now)	6.45%-8.80%	75%	1.35	15, 25	10, 15, 25
Senior Housing loan rates (Apply now)	5.25%-8.98%	85%	1.15	10, 35	30, 35

Rates and terms are subject to change without notice.

Private Money Rates and Bridge Financing Rates

Commercial, Development, Construction, or Energy Development: Our Private Money Lending Program is designed to accommodate any situation that may not meet traditional underwriting requirements.

Normal Program Parameters*:

Term:	1 – 3 years
Lending Area:	Nationwide and select International locations
Loan Size:	$1 million to No Max
Interest Rates:	as low as 10%-18% (rates will vary depending upon collateral type and value)
Amortization:	Interest Only
Loan to Value:	Up to 75% (higher with cross-collateralization)
Origination Fees:	1 to 8 %, taken at closing from loan proceeds
Closing Times:	Closings as quick as 10 business days

* Various exceptions and changes to the above stated parameters may apply depending upon type and value of collateral.


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