Commercial Real Estate Financing Program Mortgage Capital Financial

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Mortgage Capital Financial
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Purchase, Refinance, and some Construction

Multi family, Office, Warehouse, Very little retail, some land lease with existing buildings, some mixed use
and special use, all GSA properties

1.25 debt service ratio minimum

LTV 60% - 65%, may go higher depending on the debt service coverage

Some hotels, depending on flag and location.

Rates currently average around 7.5% - 8.5%

5 year term with interest only, some 7-10 year term with appropriate leases back to back in place

Usually around 3 points but may negotiate on larger loans.

Prefer deals in the $25 - $50 million range or higher. Minimum of $10 million. See the remainder of website
for different type of loan programs and loan amounts this is one of our loan programs.

Prepayment on a sliding scale in years 1-5 will consider construction loans if Borrower can pull permits
within 90-120 days of application. Construction and mini-perm up to 5 years. Construction rate of 8%-8.5% and
a conversion rate of 7.5%-8.% depending on the property and location. Rates, terms and conditions are subject
to change and are based on the specific loan request.

Will usually need to see 35% equity in the deal for construction. In some cases can offer equity participation
in lieu of hard equity.

Requirements for a written quote � (Loan Summary, LOI)

1. Executive Summary, if available

2. MortgageCap Financial Submission Sheet properly and completely filled out for each type property.

3. Borrower�s financial statements (preferably within 90 days.)

Commercial Real Estate Financing Program 2

Loan amounts: $1,000,000 to $500,000,000

Geographic: Nationwide USA and select international countries including Mexico, Canada North and Central and South America

Loan to Value: Up to 80% financing program of cost of acquisition or up to 75% of current appraised value by MAI Appraiser.

Types of properties: Hotels, motels, shopping centers, office buildings, mobile home parks, apartment buildings, mixed use buildings, condominium projects, industrial and distribution centers, weight loss centers and exercising facilities, owner occupied commercial properties of all types

Interest rates: Can be from LIBOR plus one or be 5 or ten year treasury rates plus 100 to 300 basis points for projects that are not cash
flowing or where income cannot be documented rates and terms are custom to the situation based on perceived risk of the project.

Construction and development loans where there is a strong and proven sponsorship and where at least 10% of the project costs are being brought in by the developer and/or outside investors Projects where land is already owned and fully entitled get priority consideration and
principals must be able to fully document their personal and corporate financials and full details on the project itself.

Very large projects are welcome in certain cases and where warranted both an equity and debt financing program will be proposed in these cases where specialized financing is being provided loan amounts are usually 10,000,000 and above.