Loan Portfolio

LOAN PORTFOLIO

CREATING THE FUTURE TOGETHER

www.thelendingcorporation.com

TABLE OF CONTENTS

Product Offering ....................................................................................................5

NON-CONFORMING LOAN PROGRAM ...........................................................6 Profit & Loss 1 st Lien............................................................................................ 7 Profit & Loss 2 nd Lien ...........................................................................................8 Non-QM Second Mortgage ................................................................................9 1099 Income Qualification ...............................................................................10 No Ratio Owner-Occupied................................................................................11 Bank Statements 12 Month Bank Statement & P&L Programs ......................12 Bank Statement ................................................................................................13 Short Term Rentals ............................................................................................14 Equity Advantage ..............................................................................................15 Asset Depletion ................................................................................................16 Real Estate Investment Loan ............................................................................17 No Ratio .............................................................................................................18 Equity Advantage Non-QM HELOC....................................................................19 Self-Employed Borrower ..................................................................................20 80% LTV, Non-QM Self-Employment Program ...................................................21 Investment ........................................................................................................22 DSCR Loan Program ..................................................................................22 DSCR Investor Cash Flow..........................................................................23 DSCR Short-Term Rental Program............................................................24 DSCR LLC Borrowing Entity Program....................................................... 25 DSCR Program for 5+ Unit and Commercial Properties...........................26 DSCR Program No Income Need to Qualify .............................................27 85% DSCR Loan........................................................................................ 28 No-Seasoning Cash-Out Refinance ....................................................... 29 Rental AVM (no 1007 needed on DSCR) -- only residential properties....... 30 Don’t Lose a Deal Waiting for 1007............................................................ 31 SPECIALTY ASSISTANCE PROGRAM........................................................... 32 Product Enhancements ....................................................................................33 Bridge Now and Sell Later ................................................................................34 Realtor and Buyer Specialty Assistance Program ...........................................35

Real Estate Commissions Rolled In .................................................................... 35 Buy Now Sell Later ................................................................................................36 Builders Specialty Assistance Program ......................................................... 37 Preferred Partner Builder Loan Program ..................................................37 Builder Buydown Program.........................................................................38 Church Financing ............................................................................................ 39 Foreclosure Bailouts & Cash Out Refinance ...................................................40 Allows Crypto for Reserves ............................................................................... 41 FHA and Solar Financing…………………………………………………………………………………42 CONFORMING LOAN PROGRAM .................................................................50 100% Financing .................................................................................................51 100% FHA Financing ..................................................................................51 Veterinarians 100% Financing...................................................................52 Dentists 100% Financing .......................................................................... 53 Attorneys 100% Financing .........................................................................54 Certified Public Accountants (CPA) 100% Financing ........................... 55 Doctors 100% Financing............................................................................56 100% VA Financing.....................................................................................57 Asset Depletion Loan........................................................................................58 Asset Depletion Program .................................................................................59 Written Verification of Employment (WVOE) ...................................................60 Home Assist Program.......................................................................................61 Standalone 2nd mortgage................................................................................62 Bank Statement HELOC ....................................................................................63 Borrower Switched from W-2 to 1099..............................................................64 2/1 and 1/0 Buydown Programs ........................................................................65

PRIVATE MONEY LOAN PROGRAM ............................................................... 66 Private Money Fast Close ..................................................................................67

FIX AND FLIP LOAN PROGRAM ....................................................................68 FIX and RENT or BRRRR ................................................................................... 69 New Construction Property Loan .....................................................................70 100% Fix & Flip Premier.............................................................................71 Construction Loans .................................................................................. 72

FOREIGN NATIONALS LOAN PROGRAM ......................................................73 Foreign Nationals ..............................................................................................74 No Credit No Visa No Ratio No Sourcing ..................................................74 No Credit Score Needed ...........................................................................75 Foreign Nationals ITIN Fix-and-Flip Program ............................................76 COMMERCIAL LOAN PROGRAM ...................................................................77 Small Balance Commercial Mortgage Bank Statement................................. 78 Multifamily Bridge .............................................................................................79 Non-Bank Commercial Mortgage Solutions ................................................... 80 Condo-Tels Financing ...................................................................................... 81 Legal Shield ...................................................................................................... 82

Working Capital/Business Lines of Credit......................................................83 A Bank Loan without the Hassle ..................................................................... 84

Awards/Recognitions ....................................................................................85 The Most Inspiring Women Leaders to Follow, 2025 .................................... 86

Media and Speaking Engagement .................................................................88 NAHREP............................................................................................................ 89

Product Offering We understand that every borrower has unique financial circumstances, and that one size does not fit all when it comes to loans. That’s why we offer arrange of non-QM loan Programs to fit your specific needs.

Non-QM solutions for today’s borrowers:

No Minimum DSCR

LTV Stacking

Up to 75% LTV 2-4 unit and condos allowed Minimum loan amount $150,000

Broker fees and points are stacked on top of requested LTV. Pricing and qualifying stay at original LTV. Allows the broker to make the same compensation, but with more attractive terms to the borrower than their competition offers.

Foreign National Loan

Up to 75% LTV Loan amount up to $3M SFR, 2-4 unit, and condos

Bank Statement Loan

Asset Qualifier & Asset Income Loft Loans

12 to 24 month; business or personal Up to 90% LTV Variable expense factor used; resulting in more qualifying income.

Up to 80% LTV Utilize borrower’s assets to qualify Can be combined w/other income such as W2 and bank statements

DSCR/Investor Loan

Bridge Star Loans

Up to 85% LTV Interest only option, helping more borrowers qualify Table Funding available

Our Bridge Star Loan will pay off the existing loan and provide cash required for the down payment on your new home

Condo Loan

1099 Loan

Up to 90% LTV with a 700 FICO score(not available on non-warrantable or condotels). Up to 75% LTV non-warrantable condos

No tax returns required 10% expense factor used First Time Homebuyers welcomed

Up to 75% LTV condotels Loan amounts up to $4M

1 Year P&L Product

Up to 80% LTV on purchase Minimum 700 FICO score

Let's close your real estate transaction with ease and an on-time close and fund. Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

This flyer is a promotional advertisement for loans offered through The Lending Corporation. All loans are subject to credit approval, and the terms are subject to change. THE LENDING CORPORATION NMLS 2621251

NON-CONFORMING LOAN PROGRAMS

Financing solutions beyond traditional lending limits.

UP TO $4M PROFIT & LOSS 1 LIEN LOAN S T

NO TAX RETURN, NO BANK STATEMENT QUALIFY WITH ONLY A “CPA-PREPARED PROFIT AND LOSS”

Loan Highlights:

Flexible Loan Terms:

Up to $4 Million Loan Amount No Tax Returns Required No Bank Statements Needed P&L-Only Documentation CPA-Prepared 12-Month Profit & Loss Statement

30-Year Fixed Rate 40-Year Fixed Rate Interest-Only Option Available

Let's close your real estate transaction with ease and an on-time close and fund.

Minimum Requirements:

Minimum Credit Score: 660 Fast Closing in as little as

28 DAYS

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

UP TO $1M PROFIT & LOSS 2 LIEN LOAN ND

NO TAX RETURN, NO BANK STATEMENT QUALIFY WITH ONLY A “CPA-PREPARED PROFIT AND LOSS”

Loan Highlights:

Flexible Loan Terms:

30-Year Fixed Rate Interest-Only Option Available

Up to $1 Million Loan Amount No Tax Returns Required No Bank Statements Needed P&L-Only Documentation CPA-Prepared 12-Month Profit & Loss Statement

Minimum Requirements: Minimum Credit Score: 660 Fast Closing in as little as

28 DAYS

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

Non-QM Second Mortgage

HIGHLIGHTS:

Up to 85% CLTV Full Doc 1yr Self-employed OK 3mo BKST + 12mo 1099 Only OK WVOE OK Asset Utilization – On Its Own or To Supplement OTHER Income

DSCR OK ITIN OK DACA OK Primary, 2 home & investment Options nd $75Kmin Loan Amount NO Reserves Required Loan Amounts Up To $750K

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Personal NMLS#:1099405 Company NMLS#:2621251

"Control risk, the returns will take care of themselves"

This flyer is a promotional advertisement for loans offered through The Lending Corporation. All loans are subject to credit approval, and the terms are subject to change. TLC/JA/2025 THE LENDING CORPORATION NMLS 2621251

1099

Qualify using 1099's I NCOME QUALIFICATION

PROGRAM HIGHLIGHTS: Up to 90% LTV

Borrower must be 1099 only Up to $3,000,000 loan amount First Time Home Buyer OK

REQUIREMENTS:

Two (2) years in the same profession Two (2) months bank statements to support income Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

This flyer is a promotional advertisement for loans offered through The Lending Corporation. All loans are subject to credit approval, and the terms are subject to change. TLC/LSM/2025 THE LENDING CORPORATION NMLS 2621251

NO RATIO OWNER-OCCUPIED

Income Verification No DTI Calculated! No Statement of Income Required! Will Only Verify Last Two Years’ Employment:

Asset Verification 1 Month Bank Statement (covering at least 30 days) 100% Gifts Allowed for Down Payment, Closing Costs, Reserves Cash-Out Proceeds May Be Used Towards Reserves 1

Self-Employed: Accountant’s Letter Wage-Earner: V0E (No Income) 2 No Tax Return or W2s requeired. Not a Bank Statement Program. Income Verification Purchase & Rate/Term Refinance up to 75% LTV Cash-Out Refinance up to 65% LTV, Unlimited Cash-Out Funds 1-4 Units, Condos, Coops, PUDs Second Homes Allowed Minimum 680 FICO

Loan Amounts up to $3,000,000 5/6m ARM , 7/6m ARM , 15 or 30 Year Fixed Interest Only Option Available on All Loan Terms Except 15 Year Fixed First-time Homebuyers Eligible (Max 70% LTV) 3 3

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

BANK STATEMENTS WITH OPTIONS! 12 Month Bank Statement & P&L Programs

HIGHLIGHTS

Up to 90% LTV Purchase to $1.5M Up to 85% LTV Rate/Term Up to 80% LTV Cash Out Min FICO 600 Loan amounts up to $4,000,000 Couple with Asset Utilization for extra income Transfers from Business to Personal OK! P&L Program comes with 3 Months Bank Statement Multiple Business Accounts OK Use 100% of deposits on Personal Statements Use up to 85% of deposits on Business Statements

Fixed Expense Factor Third Party Prepared P&L Third Party prepared Expense Statement Qualify using:

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Personal NMLS#:1099405 Company NMLS#:2621251

"Control risk, the returns will take care of themselves"

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

SHORT TERM RENTALS CLOSE MORE LOANS WITH THE LENDING CORPORATION

CREDIT SCORES STARTING AT 700 | UP TO 75% LTV

Loans up to $3 million with a minimum of $100,000 Purchase and cash-out or rate-term refinance DSCR must be 1.00 or greater Max of 5 loans with AOMS; exceptions considered when there are more than 5 loans No limit on total number of financed properties a borrower can own Permanent and non-permanent residents allowed

No income or employment required; qualification based on property cash flow Warrantable, non-warrantable, and condo hotels allowed Interest-only option available Gift funds allowed Properties can vest title in LLC, S corp, C corp, or revocable trust Up to 6% celler concessions First time home buyer not allowed

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Personal NMLS#:1099405 Company NMLS#:2621251

"Control risk, the returns will take care of themselves"

This flyer is a promotional advertisement for loans offered through The Lending Corporation. All loans are subject to credit approval, and the terms are subject to change. TLC/AOMS/2025 THE LENDING CORPORATION NMLS 2621251

Equity Advantage Our Non-QM stand-alone second mortgage product is a financing solution that allows borrowers to keep their current first lien mortgage and interest rate while unlocking equity in the underlying subject property.

Program Highlights

Stand-alone second lien mortgage only Primary, second home, and investment properties Minimum 680 FICO Loan amount up to $500,000 Maximum CLTV 85% for a primary home Maximum CLTV 70% for second homes and investment properties

Single family residence, PUD, townhomes, 2-4 units Full doc, personal and business bank statements

Warrantable condos Maximum DTI 50% No reserves required

84 months seasoning required for bankruptcy, foreclosure, short sale, and deed-in-lieu

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

This flyer is a promotional advertisement for loans offered through The Lending Corporation. All loans are subject to credit approval, and the terms are subject to change. TLC/DHM/2025 THE LENDING CORPORATION NMLS 2621251

BUILD ON YOUR ASSETS QUALIFY FOR A MORTGAGE USING YOUR ASSETS. ONLY TWO MONTHS BANK STATEMENTS ARE REQUIRED

Flexible loans to get you approved quickly.

LTVs up to 90% Loan amounts from $200,000 to $4,000,000 (higher by exception) All occupancies Asset depletion can be sole source of income or supplement other income sources Total qualifying assets divided by 120 (reduced to 84 by exception)

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

This flyer is a promotional advertisement for loans offered through The Lending Corporation. All loans are subject to credit approval, and the terms are subject to change. TLC/5SC/2025 THE LENDING CORPORATION NMLS 2621251

REAL ESTATE INVESTMENT LOANS Qualify with Expected Cash Flow No income documentation required Qualification is based solely on the cash flow of

DSCR can be as low as 0 Programs for 1-4 residential units or 5-8 units Loan amounts up to $6MM

the subject property Options for foreign nationals

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

This flyer is a promotional advertisement for loans offered through The Lending Corporation. All loans are subject to credit approval, and the terms are subject to change. TLC/FLC/2025 THE LENDING CORPORATION NMLS 2621251

NO INCOME, NO PROBLEM! The Lending Corporation’s - NO INCOME RATIO LENDING

NO RATIO

Highlights:

No Income = No Ratio Max Loan Amount $2,500,000 Interest Only Options Make Up To 6.99% 70% LTV For Purchase Originate In Multiple States. No Minimum Tradelines With 3 FICO Scores (All 3 Bureaus)

65% LTV For Rate/Term 60% LTV Cash Out Minimum 700 FICO Investment Properties Only Gift Funds Allowed For Down Payment No Limit On Financed Properties 1-4 Family Properties And Condos Permitted

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Personal NMLS#:1099405 Company NMLS#:2621251

"Control risk, the returns will take care of themselves"

EQUITY ADVANTAGE NON-QM HELOC The Lending Corporation Equity Advantage non-QM HELOC offers a fast and easy close so your borrowers can get the funds they need as soon as possible. Become a hero helping your clients with debt consolidation, home renovations, tuition or meeting other financial goals! PROGRAM HIGHLIGHTS Loan amounts from $500,000 to $1,000,000 DTI 50% Maximum CLTV 85% for primary Maximum CLTV 70% for secondary Minimum FICO 640 primary residence Minimum FICO 680 secondary homes Owner-occupied, second homes and investment properties Full doc, personal bank statements, and assets allowed for income verification

SFR, townhomes, condos, second homes and investment properties Open-ended loan with a term of 5, 10, 15 or 30-years Available on 1st and 2nd liens 100% drawn at time of origination with a 100% draw feature Fixed lender paid 2.00% broker comp on all funded HELOCS (0.50% if the property is listed for sale)

*Owner-occupied only for the state of Texas

Let’s talk about how this pivotal partnership can transform your business.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

SELF-EMPLOYED BORROWER HOME LOANS FOR CREATIVE WAYS TO LEVERAGE YOUR INCOME Simplified process to determine and maximize self-employed income No tax returns necessary Qualify with bank statements or just a P&L statement Loan amounts up to $6MM

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

WIDEN YOUR MARKET REACH WITH SELF-EMPLOYED BORROWERS

with our Non-QM 1-Year Self-Employed program! Your pipeline will thank you!

Only ONE Year of Self-Employment required Up to 80% LTV purchase Refinance and Cash-Out available PROGRAM HIGHLIGHTS

REQUIREMENTS

660 Min FICO Income qualifies with only 12 Months most recent bank statements and the previous year W-2 Must be in the same line of work or industry

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Personal NMLS#:1099405 Company NMLS#:2621251

"Control risk, the returns will take care of themselves"

Loans up to $3 million, minimum loan of $100,000 Credit Scores Starting at 680 | Up to 85% LTV Qualification based on property cash flow No personal income or employment information required Properties can be in LLC’s name No limit on total number of properties DSCR Loan Program Close More Loans with The Lending Corporation The Lending Corporation DSCR Loan program allows your clients to qualify based on rental analysis to determine property cash flow. No personal income required to qualify. This saves you from submitting complicated income statements and tax returns. Debt service coverage ratio or DSCR is a measurement of a property’s expected cash flow to determine a borrowers ability to repay a mortgage loan.

Borrower must own primary residence Purchase and cash-out or rate-term refinance 30 year interest only available Non-warrantable Condos allowed Condotels allowed (contact your local account executive for eligibility requirements)

Frequently Asked Questions How do you calculate the debt service coverage (DSCR)?

The debt service coverage ratio (DSCR) is a ratio of a property's cash flow to its annual mortgage debt. The expected rental payment is divided by the annual mortgage debt RDP (Rent Divided PITIA= DSCR). Do real estate investment loans close faster than other mortgage loans? Typically these loans do close quicker than others but this can vary. Contact The Lending Corporation to discuss your loan scenario. Can I get a mortgage for an investment property? Yes, utilizing our DSCR Loan product allows for cash flow on the property to be used to qualify for the loan.

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Personal NMLS#:1099405 Company NMLS#:2621251

"Control risk, the returns will take care of themselves"

DSCR Investor Cash Flow Our innovative primary product for real estate investors is a collateral based business purpose loan. Traditional income verification is not required.

DSCR less than 1.00x allowed on purchase only Program Highlights Max loan amount up to $2.5 million FICO down to 660

Gift funds can be used for down payment, closing costs, and reserves after the borrower has documented the minimum required borrower contribution LTV up to 70% for foreign nationals on purchase and rate-term refinances and 60% on cash-out transactions First-time investors allowed up to 75% LTV Up to 3% seller concessions allowed towards closing Foreign nationals reserves 6 months PITI

Up to 80% LTV on purchase, rate/term refinances, and cash-out up to 75% Cash-out up to $500,000 and proceeds can be used for reserve requirements SFR, PUD, townhomes, 2-4 units, condos, non-warrantable condos 15-year fixed, 30-year fixed and 5/6 ARM with a 10-year interest only option

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

We allow short-term rentals providing more flexibility to real estate investors! DSCR SHORT-TERM RENTAL PROGRAM

Program Highlights

Income received directly from a home- sharing service such as Airbnb or VRBO, or property management services may be used for qualification No personal income or employment information required

DSCR under 1.00 for purchase transactions

Enhanced guidance on short-term rental income

Qualification is based on the cash flow of the property

Up to 80% LTV on purchase and rate/term refinances

DSCR over 1.00

Up to 75% LTV on cash-out refinances

Non-warrantable condos allowed

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

DSCR LLC Borrowing Entity Program

A limited liability company (LLC) is allowed under The Lending Corporation’s DSCR Borrowing Entity Program.

DSCR less than 1.00x allowed on purchase only Program Highlights LLC borrower permitted on DSCR loans2 LLC limited to max of 4 members/owners LLC business purpose and activities limited to ownership and management of real estate

Eligible personal guarantor: U.S. citizens, permanent resident aliens, and non-permanent resident aliens First-time investors allowed up to 75% LTV Required documentation: Articles of organization/certificate of formation Operating agreement (or equivalent) Evidence of signing authority for personal guarantor signing on behalf of LLC Certificate(s) of good standing Credit report for personal guarantor

LLC must be authorized to do business and in good standing in the state of organization and the subject property state Personal guarantor required (must have 25% or more ownership in the LLC)

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

DSCR PROGRAM FOR 5+ UNIT AND COMMERCIAL PROPERTIES FINANCING SOLUTION

Minimum loan $250K, Maximum loan $5 million Fund in all 50 states nationwide (excepting in areas considered too rural) Brokers protected and paid We don’t fund renovations, but we’re perfect for post renovations or properties that can be improved but are currently occupiable No Tax Returns program available for add- on to the base rate. Application, credit report, appraisal, rent roll and property P&L to approve the deal.

5 plus unit residential, office, retail, industrial, mixed use, and mobile home parks approved! LTV’s to: 70% purchase; 70% rate/term refinance; 65% Cash Out Refinance. Rates starting in the mid 9’s for a 30 year fixed DSCR of 1.15X based on the market rents and Net Operating Income in the appraisal. This means below market rents, vacancies, etc. get much better funded amounts with us! NO seasoning requirements ITIN loans at 5% reduction to LTV

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

No Income Need to Qualify. DSCR your way to Real Estate Ownership.

Highlights

Open new investment paths with expansive DSCR options that don’t require personal income to qualify. With features like no and low ratio DSCR, First Time Investors welcome, and manufactured housing allowed, borrowers can blaze new trails.

Loan amounts up to $2 million but higher on other Foreign National Programs Credit scores starting at 680 (we generate this as the default credit score) LTVs up to 75% for Purchase, 70% for Rate/Term, and 65% for Cash-Out Minimum DSCR of 1.0 1–4 unit properties allowed Short-term rentals not permitted Cash-out proceeds may be used as reserves

Let’s elevate your business portfolio and create new USA business real estate opportunities.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

This flyer is a promotional advertisement for loans offered through The Lending Corporation. All loans are subject to credit approval, and the terms are subject to change. TLC/OMW/2025 THE LENDING CORPORATION NMLS 2621251

85% D S C R LOAN With loan amounts up to $3,500,000.00

PROGRAM HIGHLIGHTS

85% LTV for Purchase, Rate & Term Refi 75% LTV for Cash-Out Gift Funds Allowed Loan amounts to $3,500,000 620 Min FICO ITIN & Foreign Nationals OK 1x30 OK! Cash out can be used as reserves Non-Warrantable Condos OK No Limit on Financed Properties <1.00 DSCR allowed Short term rentals! Airbnb, VRBO OK! 15, 30 and 40-year fixed terms

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

No-Seasoning Cash-Out Refinance Access Equity Fast — No Waiting Needed! Unlock your property’s potential with our new Instant Equity Cash-Out Refinance Program. Designed for investors and homeowners ready to keep their capital moving — no holding period required.

Program Highlights

Max LTV 80%

Refi Immediately After Purchase — No Waiting Period

Use Lessor of Appraised Value or Purchase Price + Documented Improvements Primary or Investment Properties

Title in LLC or Corp OK (business purpose only)

Borrower must be the original purchaser of subject property

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Personal NMLS#:1099405 Company NMLS#:2621251

NO MORE NAIL-BITING WHILE WAITING FOR THE RENTAL INCOME RESULTS FOR THE PROPERTY’S EARNINGS!

Up to 75% LTV (loan to value) for DSCR on purchase, rate/term and cash out (need an 80 confidence level or greater): We will now be running a Rental AVM at the prequal stage, which will provide the estimated monthly rental income upfront. That means no more guessing or waiting on the 1007 we’ll use the Rental AVM income to move forward with confidence.

Please see the guidelines below for more details:

DSCR Only Minimum credit score 680 Purchase, Refi Cash Out, Refi Rate & Term Max 75% LTV (no exceptions) Confidence rating of 80 Purchase (Will use the higher of the two) Rental AVM OR; 1007 Refi Cash OR Rate & Term (Will use the higher of the three) Rental AVM OR; 1007 OR; Lease Agreement and 3mns cancelled checks 1-Unit and Condos only (warrantable, non- warrantable, & condo hotels)

No Rural properties (no exceptions) No 2-4 units properties (no exceptions)

90-Day expiration for the AVM Full Appraisal required for value

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Personal NMLS#:1099405 Company NMLS#:2621251

Don’t Lose an Investor Deal waiting for the Appraiser’s Fair Market Rent Comparison

When your investor client need a quick cash flow-to- debt ratio quote, speed and certainly are everything.

The scenarion: Investor is Shopping- Win the Quote Race

Your Competitor (The old way)

You (with The Lending Corporation AVM)

Action: Guess the rental income or rely on the 1007 (5 to 7 days) for verification Result: Client receives an uncertain quote. They hesitate or shop around.

Action: Use QuickQuote to generate a date-backed rental income estimate in Minutes. Result: You deliver a confident date-backed preliminary quote to earn instant trust and commitment.

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Personal NMLS#:1099405 Company NMLS#:2621251

SPECIALTY ASSISTANCE PROGRAM

Customized lending support for unique borrower needs.

Exciting Product Enhancements

To Start The Year Strong!

The Lending Corporation is excited to announce new product enhancements right out of the gate this year! We celebrated a historical record for non-QM funding in 2024, and we’re ready to do that again in 2025.

We are committed to helping you grow your business along with us.

Here are the highlights of our product updates:

Expanded-Prime

DSCR / BPL Foreign national borrowers can now borrow in the name of an LLC. Foreign national borrowers can now submit international consumer credit reports to establish acceptable tradelines. Expanded tradeline requirements for foreign national program.

Equity Advantage - Closed-End Second

Maximum LTV for cash-out refinances now goes up to 80% with a 740 minimum FICO and maximum loan amount of $1.5 million. Reduced ownership seasoning requirements for cash-out refinances to 6 months for subject property. Added P&L only documentation with maximum LTV of 70% for purchases / 60% refinance and maximum loan amount of $2 million. Delayed financing now has no restrictions on cash-out amounts to recoup cash within 6 months.

Maximum loan amount is now $750,000. Minimum FICO down to 660. Maximum CLTV up to 80% for second homes and investment properties. P&L only option now allowed. Cash-out ownership seasoning minimum is now 6 months. Limited tradelines allowed for primary only with a CLTV of 75%. Non-warrantable condos allowed.

Non-Prime

Reduced seasoning requirements for cash-out transactions to 6 months.

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

BRIDGE NOW AND SELL LATER Moving On Up and Out… Nothing is stopping you now.

Leverage the equity in your departing, listed home to fund the down payment on your new dream home.

We offer 2 different loan options:

Stand Alone Loan Program - LTV up to 70% A loan for their departing home only, freeing you choose the best financing for your next home.

Simultaneous Loan Program - LTV up to 75% A cash out loan on your departing home with deferred payments, paired with a purchase loan up to 90% LTV, where qualification is based solely on the purchase loan amount.

Departing residence is listed All income types apply for an owner-occupied primary residence (Full Doc, Bank Statement, Asset Depletion and more) Deferred monthly payments 12-month loan Loan amounts from $100k to $2m Available in all states we are licensed in with the exception of Texas

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

NMLS 2621251

ALLOW YOUR BUYERS TO FINANCE THEIR REALTOR FEES!

Instead of your buyers paying out of pocket at closing, roll it into the loan amount—keeping the original LTV and Pricing/Rate intact!

With new NAR regulations, buyers may now be responsible to cover your agent's commission.

Purchase Price: $1,000,000 Base Loan Amount: $800,000 (80% LTV) at 6.875% at par Buyer’s Agent Fee: 2% ($20,000) New Loan Amount: $820,000 (82% LTV) EXAMPLE SCENARIO:

BUT you keep the same pricing of 6.875% at par as if it were 80% LTV—without requiring your buyers to pay agent fees out of pocket!

WHY THIS GIVES YOU A COMPETITIVE EDGE:

Stay ahead of other real estate brokers Lower your borrower's closing costs Offer a smarter financing solution

What loans can I help with right now? Let’s talk financing solutions today!

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

BUY NOW SELL LATER and

You can BUY NOW AND SELL LATER and DO YOU HAVE A LENDER THAT DOES THIS? WE DO!

BRIDGE LOAN

with no Payments at all on the

START BUYING there is NO REASON TO BE ON HOLD until you SELL Your Existing Property!

The borrower has 12 months to sell their departed residence with no active monthly payment. Gives the borrower time to move and the funds to purchase a new primary residence WITHOUT selling first.

Take up to 75% equity out of the borrowers departing primary residence to use towards the purchase of a new primary residence.

No chance your borrower is stuck in hotel waiting for their property to Deferred interest only payments, the payments are financed into the loan amount and captured upon the sale of the property. BRIDGE LOAN is not held against Debt To Income (DTI) of new primary purchase loan! sell so they have funds to purchase a new property.

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

This flyer is a promotional advertisement for loans offered through The Lending Corporation. All loans are subject to credit approval, and the terms are subject to change. TLC/SB/2025 THE LENDING CORPORATION NMLS 2621251

NMLS2621251

HAVE YOU EVER CONSIDERED THE POWER AND CONTROL OF HAVING YOUR OWN IN-HOUSE LENDER?

We welcome the opportunity to partner with you as the builder’s in-house lender. Please give me a call to discuss this exciting alliance and how it can transform your business!

Builders may have in-house lenders or partner with preferred lenders for a number of reasons, including:

CONTROL

UNDERSTANDING THE BUILDING PROCESS

Builders can have more control over the loan process, such as when to notify them if a buyer doesn't qualify.

Builders can work with lenders who understand the building process and the needs of the buyer.

REFERRALS

PRIORITY

INCENTIVES Builders can secure referrals for financing. Builders can offer incentives to buyers who use their preferred lender, such as cash for closing costs or discounts on the home.

Preferred lenders can be given high priority, allowing them to respond quickly.

RATE-LOCK PERIOD Preferred lenders may offer a longer rate-lock period to account for building delays.

However, builders cannot legally require buyers to use their preferred lender. Buyers can choose their own mortgage lender or work with a mortgage broker.

Let’s talk about how this pivotal partnership can transform your business.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 (Direct Line) ddragas@thelendingcorporation.com +1 917-456-9757 (Mortgage Assisstant)

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

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