Real Estate Lending ProgramsFor 2019

HARD MONEY GROUND UP FUNDING PROGRAM:

• Build to Sell or Build to Rent

• Up To 100% of all Vertical Cost

• Up to 50% of Land Cost (Possibly Higher on a Case-by-Case Basis)

• Max Funding: 70% ARV (After Repair Value)

• Rates: Starting At 7.99% Interest only - Per 12 Month Fixed Term

• 12 Month Interest Only w/ No Prepayment Penalty

• Origination: 1.75% and Up

• 600 Minimum Credit Score Required

• Single Family: $100,000 - $5,000,000

• Muti-Family: $250,000 - $25,000,000

• Close in as little as 7 Business Days

• Heavy / Large Builds OK

• Rate & Leverage; Depends On Your Experience

• No Interest Charged on Un-Drawn Funds

• Refinance & Hold w/ Our 30 Year Stated Loan Product - N.O.O. (Non-Owner occupied)

100% Wholesale Funding• This program is for wholesaling only. This is not a fix-and-flip program and there is no rehab funding available. You are either assigning the

contract before closing or doing a double-closing. • This program is for experienced wholesalers only. You must have a strong track record of wholesaling with at least ten wholesale deals

successfully completed.• 100% financing is available for customers with whom we have a prior business relationship. For new customers, we would start lower and

build up to that.

Two Programs: Loan or JV

• We lend 100% of the purchase price at 12%and three points.

• The points are paid on the back end when theloan is paid off.

• Term of loan is ten days with an option to

renew for a cost of one point.

• Minimum credit score of 680 is required

• Borrower pays all closing costs.

JV • We fund 100% of the purchase price plus all closing

costs.

• The contract is in our name.

• When the contract is assigned or the property is sold,the profit is shared 50/50.

• No minimum required credit score.

Loan

Additional Details: Appraisals are not required for either program.

If you are attending auctions, we can provide cashiers’ checks.

LINE OF CREDIT PROGRAM:

• Fix & Flip, New Construction, Tear Down & Rebuild or Bridge Purchase

• Lines 250k - 5 Million USD

• Up To 90% of Costs

• 70% ARV (After Repair Value)

• Rates: Starting @ 7.99% - Base Rate On All Transactions

• 1 Year Term - No Prepay(s) - Optional Renewals

• Origination: 2.00% - On All Deals

• Transact On Multiple Deals At One Time - No Limit

• 1% Fee To Activate Line w/ Legal Service Fee

• 660 Minimum Credit Requirement To Participate

• Covers 100% Funding of All Vertical New Construction Costs

SHORT TERM BRIDGE FUNDING

PURCHASE & REHAB:

• Fix and Flip or Rehab to Rent• Up To 90% of Cost (100% of all Renovations)• Loan Max = 70% of the After Repaired Value

• Rates: Starting @ 7.99% I/O Per 12 Month Fixed Term• 12 Month Interest Only w/ No Prepayment Penalty

• Origination: 1.75% and Up• 600 Minimum Credit Score Required

• Loan Amounts: $100,000 - $25,000,000• Closing in as little as 7 Business Days

• Heavy / Large Renovations OK• Rate & Leverage; Depend On Your Experience

• No Interest Charged on Un-drawn Rehab Funds• Refinance & Hold w/ Our 30 Year Stated Loan Product - N.O.O.

Commercial Real Estate LoansFor Bridge, Hard money, Construction, Bank take out, Fix & flip, Fix & rent Purchase and refinance, DIP (Debtor in possession) Partner buyout, distressed assets, NO documentation to FULL documentation.

Required Documents: Commercial Real Estate Loans

1003 application2 months bank statements minimum

Profit and lossLeases

Rent rollUse of funds - scope of work

Loan requestResume

Credit of all borrowers when was property bought, Price, and any improvements made.

GET IN TOUCH!

F5Financialinc.com

F5 Financial Inc.

James ButlerCEO

Toll Free 844.484.5626

apps@f5financialinc.com