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Balance Sheet Enhancements

“Stated” Commercial Loan Program

    Equity Investment Program

Bridge/ Mezzanine Loan Program

Owner Occupied Loan Program

Construction Loan Program

Investment Property Loan Program

100% CLTV Loan Program

International Incorporation Services

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Property Types:

Multifamily/Anchored Retail/Office/Industrial

Investment Amounts:

$200K - $10MM

Investment Terms:

Typically up to 5yrs

Control Rights:

AML or assigns is granted an accelerated means to assume control of borrowing entity in the event of default by co-owner.
Equity interest is typically secured by prorata interest in general and limited partnerships that comprise property ownership.

DSCR:

1.15X

Maximum LTV:

95% (Sponsor must contribute a minimum of 5% hard equity)

Rate:

Typically priced with a target IRR which is realized through a combination of origination fees, a preferred pay rate, and a "lookback" payment due upon sale or refinance.

Acknowledgement:

First mortgage lender required to acknowledge AML’s equity position.
Co-Owner has recourse obligation for 1st mortgage assumption fees.

Geographic Location:

Primary and Secondary markets preferred. (Nationally)

Closing:

Borrowing Entity- Single Purpose Entity required
Prepayment- open
Escrows- Required for Taxes and Insurance

Third Party Reports:

PCA- Property Condition Report
Phase I- Environmental
MAI Appraisal.