SMALL BALANCE MULTIFAMILY PROGRAM RATE SHEET

1 Dated:09/22/2023. SMALL BALANCE MULTIFAMILY - RATE SHEET . Minimum FICO 750 725 700 675 650 625. LENDER PAID COMPENSATION RATE BUYDOWN. (Credit Tier) AAA AA A BBB BB B+ Administration /. Floor by Tier MOVEMENT POINTS / MOVEMENT POINTS / Underwriting / Commitment PAYABLE TO: PAYABLE TO: Fee - $1,995. 50% LTV TO: RATE TO: RATE. 60% LTV Add to Rate Lender Paid Points (LPC) to Broker or PAR RATE. 65% LTV as Borrower Credit. Discount Points payable 70% LTV to Acra Lending. Rate Max LTVs AAA AA A BBB BB B+. *Not all tiers are 2:1 *Not all tiers 3:1 Floors are by Credit Tier Appraisal Review - $650. available to Investor: Max Pts & requires 3 are available Purch / RT Refi 70% 70% 70% 70% 70% 65% every loan Year PPP to every loan and PROGRAM .

2 CO Refinance 65% 65% 65% 65% 65% 65% CDA Report - $180. CLTV 70% 70% 70% 70% 70% 65% Available in eigths to rate up or down to PAR rate Available in eigths to rate up or down to PAR rate fee add for all loans Maximum buy down is 1%. ADJUSTMENTS RATE FEE NOTES GENERAL INFORMATION. Cash-Out Refinance -- DSCR Minimum PROPERTY TYPES ADDITIONAL TERMS. Interest Only -- loan Amt $500k Min; 70% LTV Max; DSCR Min; 5-year period MULTIFAMILY Residential Properties with 5-24 Units or as defined in respective Net Operatin Income ("NOI"). DSCR, -- Purchase transactions only jurisdiction NOI is subject cashflow after ordinary expenses and before debt service. DSCR, - -- Max 70% LTV General Commercial Narrative Appraisal. 71A or 71B acceptable for loans under Debt Service Coverage Ratio ( DSCR ) Calculation DSCR, - -- Max 65% LTV, Minimum BB tier $ or properties less than 15 units, loan amount over $ or properties with Calculated as NOI divided by annual PI.

3 <$500,000 -- 15 or more units require a commercial narrative appraisal Gross Potential Rent ( GPR ). Foreign National -- Price at "A" grade; Max 70% LTV; DSCR Minimum loan TERMS The maximum amount of rental income that a landlord can generate from a Short-Term Rentals -- -5% LTV 30 Year Amortization & Term property (calculated as rent due for occupied units according to the lease plus Student Housing -- > 20% of Units are Students; DSCR Min; 12-month Leases Required Interest Only Loans are 5-Year IO Payment & 25-Years Fully Amortized - Qualifies market rent for any vacant units). 5-Year Prepay (5x5) -- -- All INV: 5% / 5% / 5% / 5% / 5% Prepayment Penality under IO payment Effective Gross Income ( EGI ). 3-Year Prepay (3x5) -- 5 / 5 / 5 Prepayment Penalty BORROWERS Use actual (or minimum of 5%) vacancy.

4 NY Transactions -- Entities Only Determine Additional Operating Expenses CEMA Transactions -- CEMA fees paid by Borrower at closing GUARANTORS NET WORTH. Expenses can include but not be limited to utilities, repairs / maintenance, general Buy Out Prepay -- Case-By-Case Basis & Subject to Senior Management Approval Total Net Worth of 50% of requested loan amount. and administrative, management fee, and any additional recurring expenses. Entity Redraw -- $795 If applicable, Redrawing loan Documents for a Entity Applicant Minimum 6-Months P&I in Reserve NON-RECOURSE Impounds for Taxes / Insurance Required Acra requires recourse on all files Lender Points & Fees plus Broker Points & Fees may not exceed the lessor loan AMOUNTS of or legal limits $250,000 - $ (Round Down loan Amount to $50 increments) Minimum Physical Occupancy is 85% at time of closing CREDIT DEPTH STATES.

5 Min 48-mths from Bankruptcies, Foreclosures, Deed-in-Lieu, or Short Sales Licensed Brokers Only: AZ, CA, FL, GA, ID, MI, MN, MT, NV, NJ, NC, OR, TN, *Broker Origination Points and Fees are limited to the lesser of: UT, VA. Mortgage Lates: No 30 last 6 mths, 1 max 30 last 12 mths, no 60+ last 24-months. (a) of the loan amount and Licensed & Unlicensed Brokers: AL, AR, CO, CT, DE, DC, HI, IL, IN, IA, KS, KY, (b) the maximum allowable by Federal & State High Cost thresholds. ACH For for Payments LA, ME, MD, MA, MS, MO, NE, NH, NM, NY, OH, OK, PA, RI, SC, TX, VT, WA, business Entities require ACH - Lender Credit is not applicable. WV, WI, WY. ADDITIONAL guidelines . Speak to an Acra Account Executive - Additional guidelines Apply For mortgage professionals only.

6 This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with local laws and regulations. Distribution to the general public is prohibited. Rates and programs are subject to change without notice. Acra Lending is a DBA of Citadel Servicing Corporation. Acra Lending is an Equal Housing Lender and is committed to doing business in accordance with Federal Fair Lending Laws. National Mortgage Licensing System and Registry ID 144549. 3 Ada Parkway, Suite 200A, Irvine, CA 92618. (888) 800-7661