Designed for small projects and small business purposes.

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Loan Amount                    $250k - $3M

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Loan-to- Value                 75%      (80% for some multifamily)

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Purpose                            Purchase/Refi/Development/Rehab         (cash out possible)

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Lien Position                    1st Position Only

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Timing (estimated)         Term Sheet: 2-5 days; Closing 3-4 weeks       (varies based upon nature of project)

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Term                                1-3 yrs interest only; 3,5,7,10 yr hybrid or fixed

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Interest Rates                 4.75%-9.00% --- 9.00%-12.00%  (Low-rated risk;higher-rated risk;buydowns available)

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Lender Points                 2-6 points

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Amortization                  15,20,25, or 30 yr or I/O

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Recourse                        Full Recourse

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Exit Fee                          None

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Extensions                    Yes

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Prepayment Fee           1-3%         (As a percentage of balance. May be assumable)

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Processing Fees           $5k-$10k

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Minimum DCSR            1.01+           (Based upon project)

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Minimum Credit Score  600 middle score        (No Bks;No tax liens or federal judgments allowed)