commercial real estate financing programs

Program Highlights

• Up to 90.0% LTV

• Loans from $250K to $10M+

• Investor & Owner Occupied Loans

• No Exorbitant Upfront Deposits

• Same Day Approvals

• Rates from 4.20% to 6.75%

• Purchase, Refinance & Cash-Out

• Most Commercial Properties Considered

• Nationwide Programs

Blue Ray Financial

P.O. Box 750534

Forest Hills, NY 11375

P: 718.554.3841 | F: 718.732.2405

www.brfinancial.co

Blue Ray Financial

Blue Ray Financial is a private commercial lender and structured finance company that offers

financing to borrowers directly and through a network of finance professionals. We feature a

variety of commercial loans program to accommodate borrowers’ needs, with loans limits

ranging from $250,000 to $10 million plus.

This is not a commitment to lend or a guarantee for financing and should not be construed as such in any way. This is not a solicitation of investment funds or an offer to buy or sell securities.

Revised 01/2013

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LOAN LIMITS $250,000.00 - $5,000,000.00 (Exceptions considered case-by-case)

RECOURSE Personal and Corporate

LOAN TYPES Acquisition Refinance Cash-Out Refinance

MAX. LTV 80.0%

SUBORDINATE FINANCING Allowed (Subject to underwriting approval)

OCCUPANCY TYPE Owner Occupied Investor

ELIGIBLE LOCATIONS Nationwide

DSCR MINIMUM 1.15% - 1.40%

COLLATERAL ELIGIBLE Most Commercial Property Types Considered

INTEREST RATE 4.00% - 8.50% (Credit and location driven)

CREDIT MIN. 680 (Exceptions considered case-by-case) No Minimum (Select markets of MA, CT, NJ, NY, RI, PA & FL)

AMORTIZATION 20, 25 & 30 Years

LOAN POINTS 0.00% - 1.50% (Loan size, location and credit driven)

TERM Quarterly Adjustable, 1, 3, 5, 7, 10 & 15 Year Fixed

PREPAY Declining & Static Available

THE BLUE RAY FINANCIAL

DIFFERENCE

Nationwide Program Rebates up to 2.00% You and Your Clients are Completely Protected Charge up to 2.00% Origination Points

Nationwide Small Balance Loan Program


Revised 03/2013

LOAN LIMITS $500,000.00 – $20,000,000.00+

RECOURSE Full Recourse Non-Recourse (available case-by-case)

DOCUMENTATION TYPE No Income Verification & Full Documentation Available

LOAN TYPES Acquisition Refinance (cash-out available case-by-case)

MAX. LTV 65.0% (higher LTV available case-by-case)

OCCUPANCY TYPE Investor & Owner Occupied


PROPERTY TYPES All Commercial Property Types Considered

INTEREST RATE 9.75% - 15.0%

CREDIT MIN. No Minimum

AMORTIZATION Interest Only

LOAN POINTS 2.00% - 5.00%

TERM 6 – 24 Months (longer terms considered case-by-case)

PREPAY No Prepayment Penalty

DUE DILIGENCE DEPOSITS Underwriting Fee Due At LOI Acceptance ($1,495) Third-Party Report Fees Due at Loan Approval ($1,500 - $7,500)

SUBMISSION REQUIREMENTS

Complete 1 Pg. Quick Approval Form Interior & Exterior Color Photos or Appraisal Copy (if available) Current Rent Roll (if applicable) YTD & Last 2 Years Operating Statement (if applicable) Personal Financial Statement Recent Tri-Merge Credit Report Explanation of Exit Strategy


DIFFERENCE

Close in as Little as 2 Weeks Cross Collateralization Allowed Flexible Underwriting You and Your Clients are Fully Protected

Nationwide Bridge Loan Program


Revised 03/2013

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LOAN LIMITS $50,000.00 – $500,000.00

RECOURSE Full Recourse

DOCUMENTATION TYPE Stated

LOAN TYPES Purchase Refinance (cash-out allowed in most cases)

MAX. LTV 65.0%


ELIGIBLE LOCATIONS Nationwide (except: AK, HI, VT, WV, AL, NV, MI, Los Angeles County

CA, Cuyahoga County OH)

PROPERTY TYPES Most Commercial Property Types Considered SFRs & 2 – 4 Unit Multifamily (properties must be held in a

corporate entity and must be investor; no owner occupied)


CREDIT MIN. 600


TERM 5, 15 & 25 Years Fixed

PREPAY 5.0%, 4.0%, 3.0%, 2.0%, 1.0%

DUE DILIGENCE DEPOSITS Underwriting Fee Due At LOI Acceptance ($1,495) Appraisal Paid Direct to Appraiser At The Door (Approx. $1,500)

SUBMISSION REQUIREMENTS

Complete 1 Pg. Quick Approval Form Interior & Exterior Color Photos Personal Financial Statement or 1003 Recent Tri-Merge Credit Report Current Rent Roll (if applicable) YTD & Last 2 Years Operating Statement


DIFFERENCE

Appraisal Paid At The Door Cross Collateralization Allowed Flexible Underwriting You and Your Clients are Fully Protected

Nationwide Small Non-Conforming

Loan Program


Revised 01/2013

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LOAN LIMITS $1,000,000 – No Maximum

RECOURSE Non-Recourse (With standard carve-outs)


MAX. LTV 80.0% (Purchase and refinance) 75.0% (Cash-out)

NET WORTH MIN. Must be at Least Equal to the Loan Amount

POST CLOSING RESERVE MINIMUM

9 Months Liquidity

OCCUPANCY TYPE Investor

OCCUPANCY MIN. 85.0%

ELIGIBLE LOCATIONS Primary & Secondary Markets Nationwide

DSCR MINIMUM 1.25x

COLLATERAL ELIGIBLE Multifamily, 5 Units & Up (Commercial space allowed up to 35% of

net rentable area and maximum 20% of effective gross income)


CREDIT MIN. 680 Middle, 620 Low

AMORTIZATION 30 Years


TERM 5, 7, 10, 15 & 30 Year Fixed

PREPAY Yield Maintenance

CLOSING TIME FRAME 45 – 60 Days


DIFFERENCE

Nationwide Program Competitive Terms You and Your Clients are Completely Protected Charge up to 2.00% Origination Points

Nationwide Multifamily FNMA

Loan Program


Revised 04/2013

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LOAN LIMITS $100,000 - $5,000,000

RECOURSE Personal & Corporate


MAX. CLTV 90.0%

OCCUPANCY TYPE Owner Occupied (> 50.0% of gross rentable square feet)


PROPERTY TYPES All Property Types Considered, Including Hotels & Gas Stations

DSCR MIN. 1.25%

CREDIT PROFILE 600


AMORTIZATION 25 Years

TERM

Quarterly Adjustable 5 Year Fixed 10 Year Fixed 25 Year Fixed (Qualified deals only, no gas stations)

LOAN POINTS 0.00%

PREPAY 5.0%, 3.0%, 1.0%


DIFFERENCE

Nationwide Program No Population Minimums Rebates Available No Restricted Industries Competitive Terms

Nationwide SBA 7(a) Loan Program


Revised 09/2012

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LOAN LIMITS $500,000.00 – $10,000,000.00

RECOURSE Personal & Corporate

LOAN TYPES Purchase Construction

MAX. CLTV 90.0%

OCCUPANCY TYPE Owner Occupied (> 50.0% of gross rentable square feet)


PROPERTY TYPES All Property Types Considered, Including Hotels & Gas Stations

DSCR MIN. 1.20%

CREDIT PROFILE 600


AMORTIZATION 20 & 25 Years

TERM Quarterly Adjustable, 3, 5, 10 & 25 Year Fixed

LOAN POINTS 0.00%

PREPAY Declining or Static


DIFFERENCE

Nationwide Program No Restricted Industries Rebates Available Competitive Pricing You and Your Fee are Fully Protected

Nationwide SBA 504 Loan Program


Revised 03/2013

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LOAN LIMITS $500,000 – $10,000,000

RECOURSE Full & Non-Recourse Available

UNDERWRITING Conventional & Bridge Financing Available

LOAN TYPES Purchase Refinance Unrestricted Cash-Out

MAX. LTV 70.0%


ELIGIBLE LOCATIONS CA, CT, DC, DE, FL, GA, IL, MA, MD, NC, NJ, NY, PA, RI, SC, TX, VA

(county restrictions may apply)

PROPERTY TYPES Multifamily (5+ Units), Mixed-Use, Office, Commercial Condos, Retail,

Industrial, Warehouse, Self-Storage


CREDIT MIN. 680 (if available, otherwise credit worthiness will be ascertained

elsewhere)


TERM 2, 3, 5, 7, 10, 15 & 30 Years

AMORTIZATION Interest Only, 15, 20, 25 & 30 Years

PREPAY Various

DUE DILIGENCE DEPOSITS

Underwriting Fee Due at LOI Acceptance ($1,495) Third-Party Reports Paid at Commitment Acceptance (Approx. $5,000)

INITIAL SUBMISSION REQUIREMENTS

Complete 1 Pg. Quick Approval Form or Executive Summary Interior & Exterior Color Photos Personal Financial Statement or 1003 Recent Tri-Merge Credit Report Current Rent Roll (if applicable) YTD & Last 2 Years Operating Statement


DIFFERENCE

Cross Collateralization Allowed Unrestricted Cash-Out Non-Recourse Financing Flexible Underwriting You and Your Clients are Fully Protected

Foreign National Loan Program

commercial real estate financing programs

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