Investor Presentaiton

SBC Product Offerings HEAVY TRANSITIONAL LIGHT TRANSITIONAL STABILIZING PRODUCT BRIDGE BRIDGE-TO-PERM BRIDGE-TO-AGENCY STRUCTURED FIXED RATE CMBS DIRECT LOAN PURPOSE Vacant Rehabilitation. Adaptive Re-Use Renovation Value Add Renovation Lease Up Final Lease Up Seasoning Rent Optimization Event Driven Lease Expiration Bridge to Near Term Refinance Prepay Flexibility Mid-Term Refinance READY CAPITAL. STABILIZED CORRESPONDENT AGENCY* FREDDIE MAC SBL Cash Out Term Refinance Interest Rate Arbitrage Bridge Refinance Permanent Acquisition/Recapitalization LOAN SIZE $5-45MM $45MM+ Portfolios $2-45MM $45MM+ Portfolios $1-100MM $2-45MM $2-45MM $1-100MM $1-$7.5MM MAX LEVERAGE 80% LTC TERM Typically 3 Years Plus Extensions 80% LTC Up to 3 Years Plus Extensions 80% LTC 80% LTV 80% LTV 80% LTV 80% LTV Up to 2 Years Plus Extensions 2-10 Years 5, 7, 10 Years Up to 30 Years PREPAYMENT Minimum Interest Minimum Interest Minimum Interest Customized Declining Yield Maintenance Defeasance Yleld Maintenance Declining Yield Maintenance Floating Rate Fixed Rate 5,7,10 Years Hybrid: 20 Years Declining Yield Maintenance Fixed Rate Hybrid RATE TYPE Floating Rate Hybrid (Fix/Float) Floating Rate Hybrid (Fix/Float) Floating Rate Fixed Rate FUTURE FUNDING Interest, Carry, CapEx, TI, LC Earn-Outs, CapEx, TI, LC Earn-Outs, CapEx Fixed Rate (Rate Burn Down By Deal) Earn-Outs, CapEx, TI, LC Fixed Rate TI, LC CapEx None PROPERTY TYPE Core+: Multifamily, Industrial Core: Office, Self-Storage, Essential Retail Non-Core: Deal Specific Multifamily All Property Types Multifamily Multifamily Multifamily 10 10

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