Investor Presentaiton

A-4 Combined Year 2021 $ 2022 2023 2024 2025 Thereafter Total BRT APARTMENTS Total Principal Payments Scheduled Amortization 20,662 $ 6,660 $ Principal Payments Due at Maturity 14,002 Percent of Total Principal Payments Due At Maturity 110,986 6,908 104,078 30,852 6,267 24,585 Weighted Average Interest Rate (1) 2% 4.29% 18% 3.91 % 4% 4.12% 7,098 7,098 33,633 8,388 25,245 4% 4.23% 455,631 53,432 402,198 72% 4.10 % 658,862 $ 88,753 $ 570,108 100% Weighted Average Remaining Term to Maturity (2) Weighted Average Interest Rate (2) Debt Service Coverage Ratio for the quarter ended December 31, 2020 (1) Based on balloon payments at maturity. Includes consolidated and BRT pro rata share amounts. (2) Includes consolidated and BRT pro rata share unconsolidated amounts. (3) See definition under "Non-GAAP Financial Measures and Definitions." Includes consolidated and 100% of the unconsolidated amounts. Junior Subordinated Notes Principal Balance Interest Rate Maturity Credit Facility (as of March 11, 2021) Maximum Amount Available Amount Outstanding Interest Rate Maturity PAGE 25 $37,400 7.2 years 4.04 % 1.55 (3) 3 month LIBOR + 2.00% (i.e, 2.21% at 12/31/2020) April 30, 2036 Up to $10,000 $0 Prime +0.50% (floor of 4.25%) April 18, 2021

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