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Investor Presentaiton

Loans Held for Investment Portfolio Details ($ in millions) # Loan Type Mixed-Use Loans: Location Origination Date Current Loan Outstanding Commitment Principal Unleveraged Carrying Value Interest Rate LIBOR Floor Effective Yield Maturity Date Payment Terms (1) 24 Senior FL Feb 2019 $84.0 $84.0 $84.0 L+4.25% 1.5% 5.7% Feb 2023 1/0 25 Senior NY Jul 2021 78.3 75.0 74.3 L+3.65% 0.1% 4.1% Jul 2024 1/0 26 Senior CA Jan 2021 58.9 56.8 56.6 (2) (2) 5.4% Jan 2024 1/0 27 Senior TX Sep 2019 42.2 35.8 35.6 (3) 0.3% 4.7% Sep 2022 1/0 28 Senior CA Feb 2020 39.6 35.2 34.9 L+4.10% 1.7% 6.4% Mar 2023 1/0 Total Mixed-Use $303.0 $286.8 $285.4 Industrial Loans: 29 Senior IL May 2021 $100.7 $70.1 $69.4 L+4.55% 0.2% 5.2% May 2024 1/0 30 Senior NY Jan 2020 77.5 69.4 69.2 L+5.00% 1.6% 7.1% Feb 2022 1/0 31 Senior NJ Jun 2021 44.7 23.2 22.9 L+3.75% 0.3% 4.5% May 2024 1/0 32 Senior CA Nov 2019 26.6 23.0 23.0 L+4.50% 1.9% 7.4% Dec 2021 1/0 33 Senior CO Jul 2021 20.8 20.8 20.6 L+6.75% 0.3% 7.7% Feb 2023 1/0 34 Senior CA Aug 2019 19.6 16.7 16.6 L+3.75% 2.0% 6.3% Mar 2023 1/0 35 Senior(4) PA Sep 2021 3.0 3.0 2.9 L+5.50% 0.3% 6.1% Sep 2024 1/0 36 Senior (4) 37 Senior(4) 38 Senior(4) 328 CO Sep 2021 2.9 2.9 2.9 L+6.25% 0.3% 6.9% Sep 2024 1/0 AZ Sep 2021 2.7 2.7 2.7 L+5.90% 0.3% 6.5% Oct 2024 1/0 GA Aug 2021 1.3 1.3 1.3 L+5.25% 0.3% 5.9% Sep 2024 1/0 Total Industrial $299.8 $233.1 $231.5 Note: As of September 30, 2021. Please see the glossary at the end of this presentation. 1. I/O = interest only, P/I = principal and interest. 2. At origination, the California loan was structured as both a senior and mezzanine loan with us holding both positions. The senior loan, which had an outstanding principal balance of $45.0 million as of September 30, 2021, accrues interest at a per annum rate of L+3.80 with a 0.20% LIBOR floor and the mezzanine loan, which had an outstanding principal balance of $11.8 million as of September 30, 2021, accrues interest at a per annum rate of 10.00% 3. In March 2021, ACRE and the borrower entered into a modification agreement to, among other things, split the original senior Texas loan into two separate notes. Note A, which had an outstanding principal balance of $35.3 million as of September 30, 2021, accrues interest at a per annum rate of L+ 3.75% and Note B, which had an outstanding principal balance of $0.4 million as of September 30, 2021, accrues interest at a per annum rate of L+10.00%. 4. Loans are a cross-collateralized portfolio with affiliates of the same borrower. 18 ①ARES COMMERCIAL REAL ESTATE CORPORATION
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