2nd TD secured by a 4,642 sq. ft. SFR in Corona Del Mar, CA
(Borrower Direct)

• Cash out for business purposes
• 65% CLTV
• Worked with borrower’s attorney on loan document requests
• Utilized an appraisal ordered by a different lender
• Term: 12 months with 2 options to extend for three months

1st TD on a 1,231 sq. ft. luxury condo in Newport Beach, CA
(Borrower Direct)

• 80% LTV
• Fix and Flip
• Closed on a wholesale deal
• Fixed Rate
• One week close
• Term: 12 months

1st TD secured by a 5,288 sq. ft. luxury residence in Danville, CA
(Borrower Direct)

• Cash Out Refinance
• Funds used to support the short-term goals of the borrower’s primary business
• Loan to Family Trust
• Cross-default provision to support loans on multiple properties in different trusts
• Term: 12 months with 1 six month option to extend

2nd TD secured by a 5,200 sq. ft. custom luxury SFR in Newport Beach, CA
(Borrower Direct)

• Construction Financing
• Lending against agreed upon construction budget
• Interest Reserve to meet borrower’s liquidity needs
• Term: 15 months with 1 six month option to extend

1st TD secured by a 4,431 sq. ft. single family residence on a 21,875 sq. ft. lot in Rancho Mirage, CA
(Borrower Direct)

• Purchase Financing
• Fix and Flip Transaction
• Quick Close
• Pre-approved borrower for a maximum LTV prior to entering into purchase contract
• Term: 12 months

1st TD secured by a 3,014 sq. ft. SFR in Camarillo, CA
(Borrower Direct)

• Purchase financing
• 65% LTV
• Financed the down payment by taking collateral in a separate property owned by same borrower
• Term: 12 months with 1 six month option to extend

1st TD on new construction luxury SFR in Newport Beach, CA
(Borrower Direct)

• 70% LTV
• Provided funding to complete the project
• Fixed Rate
• One week close
• Term: 9 months

1st TD on 7 new construction townhomes in Los Angeles, CA
(Broker Arranged)

• 60% LTV
• Construction ongoing; 90% complete
• Bridge to completion and marketability
• Comfortable release price structure
• Solved title issues associated with ongoing construction
• Interest Reserve
• Term: 12 months with 2 three month options to extend

2nd TD secured by a SFR in
Ladera Ranch, CA
(Broker Arranged)

• Cash out for working capital for borrower’s primary business
• Borrower was business entity
• Two weeks from inquiry to close
• 70% CLTV
• Behind a $1,590,000 1st Trust Deed
• Term: 24 months with 1 six month extension option

1st TD on SFR Investment Property on Balboa Island, CA
(Past Client Referral)

• 70% Loan to Value
• Loan made to Family Trust
• Proceeds used to repurchase home AFTER trust deed sale
• Helped save beach house in Family for 50 years
• Limited documentable income/assets
• Term: 12 months

1st TD secured by a “Historical Residence” on a large-lot in
West Hills, CA
(Broker Arranged)

• Refinance and Cash Out for development
• 50% Loan to Value
• Special Purpose Property
• Loan made to family trust
• Term: 12 months with 2 six month options to extend

1st TD on 1,765 sq. ft. SFR in Yosemite, CA
(Borrower Direct)

• 67% LT
• Two weeks from LOI to close
• Purchase Money
• Vacation rental property
• Term:12 months with 1 six month option to extend

2nd TD on a single family residence in Newport Beach/Balboa Island, CA
(Borrower Direct)

• Fully approved within 1 business day
• Loan funding not dependent on receipt of appraisal
• All cash out for business purposes
• Borrowing entity a family trust
• Minimal documentation required
• 75% Combined Loan to Value
• Term: 12 months with 1 six month option to extend

1st TD secured by single family non-owner occupied home in
Mission Viejo, CA
(Borrower Direct)

• Loan made to estate
• 47% Loan to Value
• Funded in 10 days from initial request
• Funded prior to receipt of appraisals
• All cash out
• Facilitated the estate’s settlement
• Term: 9 months

2nd TD on 13,790 sq. ft. SFR on a 5 acre lot in Alamo, CA
(Broker Arranged)

• 45% CLTV
• Cash out for business purposes
• Accepted a borrower provided appraisal in lieu of a newly issued appraisal
• Funded prior to certificate of occupancy
• Worked with title on mechanics lien endorsement
• Two weeks from LOI to funding
• Term: 12 months with 1 six month option to extend

2nd TD secured by two high end residences in West Los Angeles, CA
(Borrower Direct)

• All cash out
• Both investment properties without current cash flow
• Cross collateralized behind 1st TD for a flexible CLTV of up to 70%
• Less than two weeks from inquiry to close
• Funded prior to receipt of appraisals
• Term: 12 months with 1 six month extension option

1st TD on mixed use structure & 2nd TD on 10 New SFR’s in Riverside County, CA
(Borrower Direct)

• Worked with borrower on obtaining unusual title endorsement provisions
• Structured a dynamic repayment plan based on home sales
• All cash out to allow Borrower to purchase land for future development
• Collateral based loan
• Worked closely with borrower on timing of closing
• Term: 12 months with 1 six month option to extend

1st TD on Investment SFR in
Laguna Niguel, CA
(Broker Arranged)

• 68% Loan to Value
• All cash out used to bolster business yearend financials
• Five days from start to close
• Lent to family trust
• Funded prior to receipt of appraisal
• Term: 12 months

1st TD secured by two high end residences in Bel Air, CA
(Borrower Direct)

• All cash out
• 40% Loan to Value
• Two weeks from call to lend to funding
• Funded prior to receipt of appraisals
• Lent to trust
• Foreign National Guarantor
• Term: 24 months

Cash Out First TD on SFR in La Canada-Flintridge, CA
(Broker Arranged)

• 55% Combined Loan to Value
• Over $1,000,000 cash out for business purpose
• Funded prior to receipt of appraisal
• Limited Income/Limited liquid assets
• Three weeks from start to close
• Term: 12 months

1st TD secured by an SFR in
Los Angeles, CA
(Borrower Direct)

• Cash Out
• No financials required due to conservative LTV
• International Borrower
• Funded prior to receiving appraisal
• Interest Reserve to meet borrower’s liquidity needs
• 1 week close from borrower’s go-ahead
• Term: 12 months with 1 six month option to extend

1st TD on Ten New Construction SFR’s ranging between 3,100 sq. ft. and 3,400 sq. ft. in Riverside, CA
(Borrower Direct)

• 65% LTV
• Provided Interest Reserve in addition to paying off 1st and 2nd TD’s
• Reduced appraisal costs for the borrower
• This loan allowed the developer to start on the next project by paying off a preferred construction lender
• Structured fixed release prices per lot upon sale to new homeowners
• Low interest rate reserved for repeat borrowers
• Term: 12 months with 1 six month option to extend

2nd TD secured by a 2,879 sq. ft. SFR in Murrieta, CA
(Borrower Direct)

• Cash out for business purposes
• 75% CLTV
• Utilized a recently completed appraisal not ordered by lender
• Term: 12 months with 1 six month option to extend

1st TD secured by a 9.74 acre site fully entitled to build 298 apartments in Chino Hills, CA
(Broker Arranged)

• Purchase financing to exercise option to purchase
• Bridge to construction financing or sale
• Limited guaranty from borrower
• 50% LTVl
• Term: 18 months

1st TD secured by 4 acres of industrial land entitled to build a 78,000 sq. ft. warehouse in Santa Fe Springs, CA
(Borrower Direct)

• Refinance
• Partially deferred loan related costs
• Concurrently closed with another loan to the same client on a separate property
• Environmental review completed by GF Capital
• 55% LTV
• Term: 16 months

1st TD secured by 10.15 acres in the process of being entitled for 48 single family homes Winchester, CA
(Borrower Direct)

• Purchase financing to exercise option to purchase
• Interest Reserve
• Limited guaranty from borrower
• 50% LT
• Term: 12 months with 1 six month option to extend

1st TD secured by 8.25 acres entitled for 7 commercial parcels in Coachella, CA
(Borrower Direct)

• Horizontal and Vertical Construction Loan
• Revolving credit line
• Interest reserve included
• Included release prices for parcels under contract to be sold
• Easy draw process
• One appraisal to cover the scope of completed construction and values for each parcel
• Term: 18 months with 1 six month option to extend

1st TD on a 1.11 acre fully entitled apartment site in Canoga Park, CA
(Broker Arranged)

• 40% LTV
• Funded prior to receipt of appraisal
• Provided cash out for final engineering, bonding, and an interest reserve
• Worked around environmental remediation requirements
• Two weeks from LOI to close
• Term: 12 months with 1 six month option to extend

1st TD on a 20 acre Development Project in Fallbrook, CA
(Broker Arranged)

• Incredibly complex transaction
• Dealt with significant legal hurdles
• Allowed borrower to move forward to maximize property’s potential
• Worked closely with borrower and multiple 3rd parties to customize loan structure to meet need
• 55% Loan to Value
• Established a one year interest reserve to assist in cash flow
• Term: 18 months with a 6 month option to extend

Bridge Loan on 41 acres of Land with Approved Tract Map on 184 Lot SFR Tract Development in Jurupa Valley, CA
(Borrower Direct)

• 35% Loan to “As Is” Value
• Provided bridge while project is marketed for sale
• Allowed for a portion of equity to be pulled from development for other business purposes
• Proceeds allowed for sale of adjacent tracts to close and pay off bank debt
• Allowed borrower to maintain positive primary banking relationships
• Term: 12 months with 1 six month option to extend

1st TD secured by 368 Fully Entitled SFR Lots on 158 acres cross collateralized to a 2nd TD on 73 acres in
Riverside County, CA
(Broker Arranged)

• Bridge to allow for re-entitlement
• Worked with borrower(s) on a complex ownership entity chain
• Gave consideration to complex offsite issues for area wide improvements that would advance the development of the property
• Allowed borrower to fully execute its existing option agreement to purchase the property
• Funded prior to receipt of appraisal
• Term: 16 months with 1 six month option to extend

1st TD on a 6,480 sq. ft. lot entitled for a 5,924 sq. ft. high-end SFR in
Corona Del Mar, CA
(Broker Arranged)

• 50% LTV
• Refinanced multiple liens on the property including the facilitation of a 2nd TD paydown/subordination
• Loan to single purpose LLC
• Two weeks from LOI to close
• Granted borrower cash flow flexibility in the form of a generous interest reserve
• Term: 12 months with 1 six month option to extend

1st TD on 138 Fully Entitled Lots in Riverside County, CA
(Borrower Direct)

• Terms provided for up to 55% loan to appraised value
• Provided funds for refinancing and cash out for final engineering
• Loan to single purpose LLC
• Terms provided for funding prior to receipt of appraisal
• Term: 12 months with 1 six month option to extend

Bridge Loan on Entitled Land for SFR Tract Development in Orcutt, CA
(Borrower Direct)

• 55% Loan to Value
• Provided bridge to construction loan after land loan matured
• Brokered an additional $4,500,000 on same project with concurrent close
• Established partial release prices to accommodate borrower’s needs
• Allowed borrower to maintain positive primary banking relationships
• Term: 12 months

1st TD on 16 acres for the development of 129 SFR’s in Paso Robles, CA
(Borrower Direct)

• 22.7% LTV
• Repeat Borrower
• MAI Appraised
• GF Capital became comfortable with the master planned infrastructure and parcel map recordation
• Purchase Money with Interest Reserve
• Term: 18 months

1st TD on 4 parcels with existing multi-family units entitled for 84 newly constructed multi-family units in
Los Angeles, CA
(Broker Arranged)

• 50% LTV
• Holdback of funds to be dispersed when needed to cover project related expenses
• Multi-faceted appraisal ordered to cover multiple exit strategies
• Due Diligence included a review of all project expenses to date for reimbursement eligibility
• Existing structures are inhabitable
• Term: 12 months with 1 six month option to extend

1st TD on a Development Project in Richmond, CA
(Broker Arranged)

• Worked closely with borrower, the City and various constituents to ensure a smooth close
• 40% Loan to Value
• Complex title issues to resolve
• Extended commitment to lend through lengthy seller delays
• Bridge to construction loan
• Subject to a Development Agreement
• Term: 12 months with 1 six month option to extend

1st TD on 6.91 acres entitled for 141 three story townhomes in Chula Vista, CA
(Borrower Direct)

• 55% LTV
• Purchase Money Financing
• Allowed the borrower to exercise its option to purchase the property
• Bridge to sale of property to a merchant builder
• Term: 9 months with 1 six month option to extend

1st TD secured by a 16,128 sq. ft. vacant lot in Anaheim, CA
(Borrower Direct)

• Cash Out
• 62% LTV with a cross-default provision
• Analyzed the borrower’s schedule of RE to provide multiple debt service scenarios based on liquidity needs.
• Repeat borrower
• Term: 18 months with 1 six month option to extend

1st TD secured by two commercial properties (retail and auto repair) in Riverside County, CA
(Borrower Direct)

• Cash out for ancillary investment purposes
• 65% LTV
• Cross collateralized both properties and concurrently closed a cash out against both properties under the same ownership
• Term: 18 months with 1 option to extend for six months

1st TD on a 48,721 sq. ft. multi-tenant office building in Irvine, CA
(Borrower Direct)

• Purchase financing
• 65% LTV
• Owner occupied
• Bridge to refinance
• Competitively priced based on the exit strategy
• Term: 10 months

1st TD secured by a 3,725 sq. ft. restaurant/bar in Fullerton, CA
(Borrower Direct)

• Purchase financing
• Bank REO transaction
• Property needs rehabilitation and re-establishment of liquor license
• Borrower has significant experience in the industry with a prove track record of success and growth
• Cross default provision with adjacent property also financed by GF Capital
• Term: 12 months with 1 six month option to extend

1st TD secured by a 23,781 square foot Motel in Bellflower, CA
(Broker Arranged)

• Purchase financing
• Bridge to reconditioning and “flagging” with a highly regarded hospitality brand
• Accommodated multiple investors acting as the borrower for one loan
• Term: 18 months with 1 six month option to extend

1st TD secured by a Boutique Hotel in Palm Springs, CA
(Borrower Direct)

• Purchase transaction
• Funded 74% of purchase price
• Loan to property specific LLC
• Non-traditional underwriting of specialized asset class with value add characteristics
• Funded prior to completion of appraisals
• Term: 12 months with 2 six month extension options

1st TD Secured by Commercial Office in Ontario, CA
(Financial Advisor Referral)

• 75% Combined Loan to Value
• All Cash Out
• One week from start to close
• Funded prior to receipt of appraisal
• Allowed borrower to support business cash flow needs
• Term: 12 months

1st TD on 11,700 sq. ft. dual tenant retail building in Clovis, CA (Broker Arranged)

• 65% LTV
• Two weeks from LOI to close
• Refinance with Interest Reserve
• COVID impacted business
• Bridge to full reopening of business operations
• Term: 16 months

1st TD on a Commercial Office building consisting of 21,840 sq. ft. in rentable space in San Diego, CA
(Broker Arranged)

• 70% LTV
• Last-minute loan document modifications due to borrower’s preferred title entity
• Re-margined the loan amount based on a quick turn around appraisal
• Non-stabilized current rent roll
• Term: 18 months with 1 six month option to extend

1st TD secured by a Boutique Hotel in Palm Springs, CA (Borrower Direct)

• Purchase transaction (funded 75% of purchase price)
• Loan to property specific LLC
• Non-traditional underwriting of specialized asset class with value add characteristics
• Funded prior to completion of appraisals
• Reverse 1031 transaction
• Term: 12 months with 2 six month options to extend

1st TD secured by a 12,960 sq. ft. multi-tenant Commercial property in Anaheim, CA (Borrower Direct)

• Cash Out
• 75% LTV with a cross-default provision
• Terms to allow for flexible timing of loan draws
• Loan to single purpose entity
• Term: 18 months with 1 six month option to extend

1st TD on a newly constructed special purpose 40,000 sq. ft. industrial building on 4.68 acres in Adelanto, CA
(Borrower Direct)

• 50% LTV
• Cash Out Refinance
• Extra value given to extraordinary fixtures
• Provided borrower with a holdback of funds to be disbursed upon completion of milestones
• Owner occupied; Business will not generate revenue for the first six months from loan inception
• Term: 18 months with 1 six month option to extend

1st TD secured by 37.8 acres of special purpose property in Sylmar, CA
(Broker Arranged)

• Cash Out Refinance
• Property affected by fire; Required detailed coordination with an MAI appraiser
• Included the resolution of title issues in loan documents to move the loan closing forward
• Bridge to construction loan; Provided financing for necessary land development and infrastructure
• Interest Reserve to meet borrower’s liquidity needs
• Term: 12 months with 1 six month option to extend

1st TD secured by a 9,460 sq ft industrial flex in Brea, CA
(Borrower Direct)

• Purchase Financing
• 75% Loan to Purchase
• Owner user building purpose
• Term: 24 months

1st TD on a 40,200 sq. ft. light industrial facility in Commerce, CA
(Broker Arranged)

• 65% LTV
• Refinance
• Consolidated non real estate and real estate debt
• Bridge to sale of property
• Term: 12 months with 1 six month option to extend

Purchase Money First TD on Industrial Building in West Sacramento, CA
(Attorney Referral)

• 70% Combined Loan to Value
• Phase 1 issues to resolve
• Special Use Building
• Allowed secondary financing for property improvements
• Worked with borrower through multiple closing issues
• Term: 18 months with 1 six month option to extend

1st TD & 2nd TD on Three Industrial facilities in Irvine & Santa Ana, CA
(Attorney Referral)

• Cross Collateralized against three properties with three related entities
• Cash out to close escrow on new operating facility
• One week from call to funding
• Based collateral value on existing sales contracts in lieu of appraisals
• Flexible alternatives with respect to loan amount (increased loan amount two days prior to close)
• Term: 3 months with 1 six month option to extend

2nd TD on Two Light Industrial facilities in Rialto & Fontana, CA
(Broker Referral)

• Collateralized by two properties under one single purpose LLC entity
• Collateral release price structure negotiated for both properties encumbered by the loan
• Cash out for business purposes
• Funding prior to appraisal
• Terms for additional advances based on combined appraisal valuation
• Term: 12 months with 1 six month option to extend

2nd TD on 28,000 sq. ft. Industrial Building in Lake Forest, CA
(Borrower Direct)

• 45% CLTV
• Loan made to a property specific LLC
• Structured the loan as a non-revolving line of credit
• Funding was not contingent on receipt of appraisal
• Interest only charged on outstanding balance
• Term: 24 months

1st TD on 600 sq. ft. Condo in Los Angeles, CA
(Borrower Direct)

• Fixed Rate while Fed Funds at 0-0.25%
• Closed the loan prior to receipt of appraisal
• Property in disrepair at time of closing
• Fix and flip transaction
• Closed in less than a week with repeat borrower
• Term: 9 months

1st TD on 5,307 sq. ft. SFR in Corona, CA
(Borrower Direct)

• Favorable LTV due to the Bank REO
• Provided quick terms for a quick closing
• Closed the loan prior to receipt of appraisal
• Fix and Flip transaction
• Term: 9 months

2nd TD on partially completed Construction Project in
Manhattan Beach, CA
(Broker Arranged)

• 65% Combined Loan to Value
• All cash used to complete project
• Three weeks from start to close
• Funded prior to receipt of appraisal
• Limited liquid assets
• Term: 12 months with 1 six month option to extend

Cash out to redevelop a single family estate in Hollywood Hills, CA that had been deemed uninhabitable by the city
(Broker Arranged)

• 65% Loan to “As Is” Value
• Provided bridge while project plans are being finalized
• 100% of the proceeds were cash out to reimburse the borrower who had paid all cash to secure the property on favorable terms
• Creative loan structure to maximize the return to the borrower
• Term: 12 months with 1 six month option to extend