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Investor Presentaiton

Q-Deal Program Overview Underwriting Criteria Q-Deal Securitization and Structure Q-Deal Issuance and Performance Recent Transaction Highlights Q-024 | Transaction Highlights Overview of Deal Structure (Pricing Date: November 9, 2023) Class Initial Principal Amount Pricing Spread Assumed Weighted Average Life Offered Q-024 Certificates: A X Total Guaranteed $134,557,742 $134,557,742 $134,557,742 S+94 Non-Offered 12.91 12.91 Deal Characteristics¹ Collateral Type Multifamily LIHTC Loans Initial Underlying Pool Balance $134,557,742 Mortgage Loans Rating Agencies 34 Not Rated WA Initial Fixed Mortgage Interest Rate 2.504% WA DSCR 1.26x Structural Diagram Cedar Rapids Bank and Trust (Mortgage Loan Seller) CBRT Multifamily Mortgage Loan Trust 2023-Q024 (REMIC Trust) Freddie Mac SPC Trust Series Q-024 Class A, X Appendix/Investor Resources PNC Capital Markets (Lead Manager and Bookrunner) Breakdown of Investors (A and X Classes)² WA LTV 74.5% WA Original Maturity 195 Months Waterfall Structure Pro Rata Top 5 State Concentrations VA (28.9%), TX (15.0%), GA (9.6%), OH (7.3%), ND (6.0%) Bank 100% 1 As of the Cut-off Date Q-Deal Program Freddie Mac Multifamily 2 As of the Closing Date Investors 8
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