Investor Presentaiton

Well Laddered Debt Maturities BRT APARTMENTS Weighted average interest rate on property debt is 4.04% with a weighted averaged remaining term to maturity of 7.2 years¹ ■ Attractive corporate level subordinated notes bear interest at the rate of 3M LIBOR + 200bps and mature on April 30, 2036. The rate was 2.21% on December 31, 2020 ■ At March 11, 2021 BRT had up to $10.0 million available under its credit facility (not portrayed in the chart below) PRINCIPAL PAYMENT SCHEDULE USD in millions $700 $600 $500 $400 $300 $200 $100 $0 $20.7 2021 $111.0 $30.9 $7.1 $33.6 2022 2023 $37.4 $455.6 2024 2025 Thereafter Source: Company Filings ■Mortgage Debt Subordinated Note: All data as of the fiscal quarter ending December 31, 2020 PAGE 19 [1] Weighted by outstanding mortgage balance [2] Mortgage debt amounts include 100% of the outstanding balance with respect to wholly owned properties and the Company's pro rata share of the outstanding balance for properties owned in a joint venture. See reconciliation in appendix

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