MAC Investment Company, LLC

Current Lending Matrix – North America and Caribbean

·          Lending Parameters Overview – Senior Debt

·          Interest Rates: Libor+

·          Amortization: Interest only & Standard Amortization

·          LTV: Up to 80% on income producing properties

·          LTC: Up to 90% on income producing properties

·          CLTV: Up to 90% on income producing properties

·          Origination Fee: 2 - 6% taken at closing from the loan proceeds

·          Loan Terms: 1 - 30 years

·          Closing times: 30 - 90 days

·          Loan Size: $10,000,000 to $150,000,000 +

·          Credit: Greater than 600 Fico (Exceptions on strong collateral)

·          Allow Subordinate Financing: Mezzanine, Cross Collateral, Seller Seconds etc…

·          Cash Down: Borrower needs at least 10% Top Line Equity

·          Lending Parameters Overview – Equity

·          Interest Rates/Required Yield: 12%+

·          LTV: Up to 80% on income producing properties

·          LTC: Up to 95% on income producing properties

·          CLTV: Up to 100% on income producing properties

·          Origination Fee: 5 - 10% taken at closing from the loan proceeds

·          Loan Terms: 1 - 30 years

·          Closing times: 30 - 90 days

·          Loan Size: $5,000,000 to $150,000,000 +

·          Some Collateral types that we are interested in are:

·          Office Buildings

·          Apartment Buildings

·          Mixed-use

·          Shopping Centers

·          Warehouses

·          Multi Family

·          Hotels/Motels (flagged)

·          Owner-Occupied Facilities

·          Vacant Properties

·          Construction

·          Development

·          Land

·          Assisted Living

·          Hospitals

·          Casino’s

·          Heavy Industrial Facilities

·          Theme/Water Parks

·          “White Elephants” (very large vacant facilities)

·          Some Collateral types that are not of interest are:

·          Daycare Centers

Joseph V. Scorese

MAC Investment Company, LLC.

joe@...

Main Office - 484-221-9277

Direct - 610-351-9927

Fax - 610-351-0903