Loan Parameters

	INVEST. PROP	FIX & RENTAL	BRIDGE/MEZZ	LAND/CONST.	PROJ/SPEC	NOTE	BUS/EQUIP
TERM	1YR - 30YRS	1YR	1YR - 2YRS	1YR - 2YRS	1YR - 2YRS	NOTE TERM	6MO - 5YRS
MIN AMT.	$150,000	$150,000	$250,000	$250,000	$1,000,000	$150,000	$50,000
MAX AMT.	$75M	$50M	$150M	$300M	$300M	$50M	$25M
RATE	4.95% ~	4.5%~	7.5%~	4.5%~	6.5%~	DISC.	Prim+2.5%~
LTVLTC	70%	90%	75%	50%	65%	70%	90%
CLTV	70%	100%	75%	50%	65%	n/a	n/a
ARV	n/a	75%	n/a	n/a	65%	n/a	n/a
FEE	2% - 4%	2% - 4%	2% - 4%	3% - 5%	3% - 5%	3% - 4%	2% - 10%
FICO MIN	620	620	620	620	680	n/a	680
EXPERIENCE	Preferred	Preferred	No	Yes	Yes	Preferred	Yes
PURCHASE	Yes	Yes	Yes	Yes	Yes	Yes	Yes
REFI/CASH	Yes	Yes	Yes	n/a	n/a	n/a	Yes
2ND & 3RD	Yes	n/a	Yes	n/a	n/a	n/a	n/a
NOD/NTS/BK	Yes	n/a	Yes	Yes	Yes	Yes	n/a
PROPERTY TYPE	SFR(Business)2-4U N/O/O Multi-Family Commercial Industrial Office Retail	SFR(Business) 2-4U N/O/O Multi-Family Commercial Industrial Office	Res. Inv. Prop Multi-Family Industrial Commercial	Residential Multi-Family Industrial Commercial Raw Land Entitled Land Farm & Ag	Development Energy Proj. Res & Senior Housing Joint Venture Pref'd Equity	Residential Multi-Family Commercial Industrial Retail Center	Business Business Prop Equipment Working Cap Factoring
SPECIALTY FARM / AG	Mobile Home Park, Religious Facility, Farm Land, Agricultural Business & Land, Recreational
	Large Acreage Land, Cannabis Business/Property, Environmental Issues.
All rates, programs and pricing are estimated and subject to change without notice. This Lending Parameter is intended for use by mortgage professionals only and is not an advertisement under section 226.24 of Regulation Z and is not intended for use by the general public. Yoonimoni uses owner occupied residential property for business purpose only. Yoonimoni is a both direct lender and a broker and is dba of Cozmo Realty Inc.; all loans are subject to review by Yoonimoni and its investors and other funding sources and may be approved or declined in its sole discretion. @copy rights 2021, Yoonimoni. All rights reserved.