BRIDGE LOANS

1st Florida Lending Corp., a registered Mortgage Lender Orlando servicing all of Florida offering over 48 loans programs including Conventional Loans, Non-Conforming Loans, FHA Loans, VA Loans, USDA Loan, Self-Employed Loans, Bank Statement Loans, No-Doc Loans, Reverse Mortgage Loans, ITIN Loans, Rental Investment Loans, to name a few and specializing in Bank Statement Loans or “stated loans” requiring no Tax Return verification and much more. * No broker or lender fees are for FHA,VA, USDA and Conventional loan types Main Office: 2151 Consulate Dr. * Suite 8 * Orlando, FL., 32837 * Telephone (800) 655-1345 * (407) 300-2558 * Fax (877) 401-9955 We are approved lenders for all Government Loans and registered with the Florida Office of Financial Regulation - # MLD106 When Banks Say No ! We Say YES ! ® is a registered trademark owned by 1st Florida Lending Corp.

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Disclaimer: All Loan programs, rates and terms can change without notice and are subject to credit and underwriting approval. Loan charts highlight min/max constraints, assumptions & random scenarios only. We will always work hard to approve your loan but there are no guarantees of any kind expressed or implied that your loan we be approved. © 2007 - 2020 1st Florida Lending Corp. - All rights reserved I Privacy Policy I Terms of Use I

Its Easy! Fast! and theres No Obligations

GENERAL GUIDELINES

Non-bank bridge lender

5-100 Units

$500k-$10MM Loan Amount

Max 75% LTV / LTC

Non-recourse

Quick closings 5-20 days

Risk adjusted fixed rate pricing

Proforma underwriting

PROPERTY TYPES LOAN - Multifamily 5-100+ units LOAN AMOUNT - $500K to $10MM AMORTIZATION - Fixed rate, interest only LTC/LTV - Up to 80% Loan to Cost and maximum 75% Loan to Value of stabilized value SPONSOR/BORROWER - Creditworthy individual(s) or entity acceptable to lender with sufficient liquidity and net worth THIRD PARTY DEPOSIT - If applicable: Third Party Deposit Fee to cover actual third party report costs (appraisal, PCA, environmental, seismic and site visit) PROCESSING FEE - $1,500 paid at closing RESERVES • Extensive Rehab Loans/No Rehab Advance: 6 months interest + 100% of rehab budget • Extensive Rehab Loans/Rehab Advance: 6 months interest + 20% of rehab budget • No Rehab Component: 4 months interest ASSUMABLE - No BORROWING ENTITY - LLC, Corporation, Trust (SPE may be required at lenders discretion) RECOURSE - Non-recourse, with the exception of industry standard carve outs PREPAYMENT - 1yr loans: no minimum interest | 2yr loans: 8 months minimum interest | 3yr loans: 12 months minimum interest LOAN TERM - 1, 2 and 3 year loans

MULTIFAMILY BRIDGE LENDING

General Guidelines for a 1 year Bridge Loan Hard Money Bridge Loans are great for investor Fix and Flips, Rental Property, Replacing Loan Denials or if you need quick cash There are no income or employment verification needed to qualify. Only an appraisal and source of funds to close with some reserves. This program does not require a credit score. Closing ranges between 10 to 14 business days