Opendoor Investor Presentation Deck

Short duration, liquid assets limit downside exposure Average hold time for selected real estate assets 3-4 mo Opendoor 9 mo "Fix & Flip" 12 mo 24 mo Single family Non-performing rental loans Note: Holding period duration representative of credit investor asset exposure Inventory under resale contract reflects average from 2019 through the first quarter of 2022 60 mo Homebuilder 84 mo Performing mortgages ~35% of our inventory is under resale contract at any given time, reducing risk profile 35

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