REI INK

End2End Solutions

A Single Point of Contact During the Eviction Process by Carole VanSickle Ellis When Barry Owens, founder and CEO of end-to-end default management servicer End2End Solutions, decided the time had come to solve the “evictions problem” in real estate once and for all, eviction processes were nearly at a standstill. That is because Owens started his company, which he describes as a “true one-stop-shop for the entire lifecycle of an eviction,” when 2020’s global COVID-19 pandemic was in the process of changing that particular element of real estate in lasting and dramatic ways. For example, between March and December 2020, eviction filings alone fell by 65%, and the actual number of evictions was even lower. Although many entrepreneurs might have paused their startup efforts in the face of numbers like these, Owens viewed the entire situation as an opportunity to solve a major problem for residents and property owners alike. “When we initially started the company, there were no evictions going on,” Owens said. “Ironically, that meant we were able to come in [to the space] fresh and go out and hire people whose talents otherwise might not have been available. The timing really played in our favor.” The founder’s first hire was Tonya Willis, a leading subject-matter expert on the eviction process and, today, COO of End2End Solutions. She was essential, Owens explained, because the biggest stumbling block in the eviction process was a lack of communication from one stage to the next. This opacity occurs naturally in the process because different specialists have traditionally handled different elements of eviction, largely in order to ensure that the rights of the resident are fully protected. Residents’ rights vary not only from state to state, but also from city to city, making it imperative that a lien-holder or landlord initiating the eviction process work with service providers familiar with local regulations. “It made it very hard to track things,” Owens said, citing one property owner who spent hundreds of dollars re-keying a lock only to find they did not have the right code for the door. “I sat down and looked at all the processes together and thought, ‘Wow, this is really broken,’” he continued. “That is when it dawned on me we could create one communication portal to be a single point of contact.” That portal concept, which ultimately became the End2End Solutions platform, essentially enabled the company to bring all elements of the eviction process in-house without sacrificing important “boots-on-the-ground” insight and experience. “I had been in mortgage servicing for my entire career to that point, and, in the early days, we were doing all of these things using index cards and phone calls,” Owens recalled. “In 2020, however, the technology was available that enabled us to make a change for the better.” Bringing the Right People & the Right Technology Together Owens and Willis got to work delineating every part and process that goes into an eviction, including elements revolving around resident welfare, such as helping tenants facing eviction identify resources that can support them through the process of identifying a new place to live. The two also laid out a detailed timeline of the eviction process and all the individual steps involved, including working with legal professionals, tracking court schedules, proceedings, and verdicts, coordinating with law enforcement, and bringing property preservation service providers on board quickly to protect the asset. “We knew how important it was to bring in the right people and build out the right technology at the same time,” Owens said. “We were very fortunate to land the best person in the eviction world [from a servicing perspective] when we hired Tonya [Willis], and then, during 2020, we had the time to build out an application that truly policed the entire process and made sure everyone involved in the eviction was on the same page.” By the end of the development stage, the company’s senior management team boasted more than 100 years of accumulated experience and End2End Solutions was ready to launch its suite of services. Those services included working with residents on “Cash for Keys” solutions, which became extremely popular during 2020 and afterward, legal evictions, property preservation, service of process, vacant property registration, and placement assistance. “We understood that fragmented processes within a multifaceted task [like eviction] lead to communication breakdowns, lack of continuity, and time management problems that resulted in financial losses for property owners,” Willis said. “When we entered the market, we did so with a total understanding of all default processes and in a position to eliminate the fragmentation.” The key to avoiding that perilous fragmentation is End2End’s communication platform, which places local providers in contact with each other and the owner of the asset associated with the eviction. End2End Solutions maintains a network of local vendors and subject-matter experts in all 50 states, enabling complete coordination of the entire process and incorporating feedback and updates for clients at the same time. “This is important in every market, but particularly in nuanced markets like Baltimore, Maryland, or the state of Massachusetts,” Owens said. “We use our system to corral information and make effective decisions about the eviction process very quickly because we know the nature of the market environments across the nation.” The company soon discovered that the concept of “remote work,” now ubiquitous, but, at that time, a foreign concept to many, would contribute significantly to its ability to achieve goals revolving around continuity and timely communication. “A big part of our success is we have people all over the country, working in all time zones, that have their ears to the ground and know what is going on politically, what types of changes may have occurred in the law, and how things are going in their local markets,” Owens said. Reworking the Process to Reduce Costs & Confusion One of Owens’s mantras in business is, “Just because we have been doing something a certain way for decades does not mean we have been doing it the

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Niche Markets

3 Specialized Markets & Sectors to Watch in 2025 by Carole VanSickle Ellis In late 2024, the National Association of Realtors (NAR) released its annual forecast for “The Top 10 Housing Hot Spots” for 2025. Not surprisingly, most of these markets were located in relatively affordable areas of the country, had posted job growth in 2024 appearing likely to continue into 2025, and showed positive net migration into the area. NAR evaluated these and other markets based on ten performance factors relative to national levels, and the predictions were relevant, likely accurate for the most part, and, naturally, generally optimistic – particularly where retail homebuyers were concerned. “Home buyers will have more success next year,” NAR chief economist Lawrence Yun said. “The worst of the affordability challenges are over as more inventory, stable mortgage rates, and continued job and income growth pave the way for more Americans to achieve homeownership.” Interestingly, the association also predicted at the same time that national median home prices are likely to reach heights exceeding $410,000 in 2025 and observed, “The national housing shortage remains.” For real estate investors, most of this information is nothing new, which is why REI INK has decided to focus our 2025 forecast on areas of the market that are a little more, well, “uninspected” in today’s economic commentary. With the cost of labor and supplies pushing developers out of their traditional comfort zones and traditional fix-and-flip or rehab-to-rent investors to investigate new variations on historically tried-and-true strategies, the New Year is the perfect time to examine niche markets where innovation and creativity are still rewarded with solid returns. Niche Market #1Senior Living A little over a decade ago, the term “silver tsunami” began to emerge in real estate investing circles. At that time, the oldest Baby Boomers, those born in 1946, were nearing retirement age and entering retirement. Statisticians and economists avidly announced nearly 10,000 Baby Boomers would turn 65 ever day while innovative real estate investors began coming up with new types of senior living assets that would cater to a generation projected by the Federal Reserve data to be “the wealthiest generation that has ever lived.” Today, Baby Boomer movements and trends directly and dramatically affect the nature and health of the markets into which they migrate while their needs and preferences have a direct and significant impact on real estate trends. “Senior housing has ‘better-than-expected’ momentum [in 2025],” wrote The Street contributor Edward Fernandez in December 2024. He explained, “The decline in the construction of assisted living facilities since 2018 has resulted in an inadequate supply nationwide…. This imbalance underscores the investment potential in the senior housing sector, where investors can leverage the rising demand for investment in quality accommodations for seniors.” The shortage in senior housing options in many markets creates natural opportunities for investors, but that is just the beginning. Because Boomers are likely to live longer in retirement than earlier generations and have expressed not only the intention of “aging in place” but also demonstrated they have the financial wherewithal to do so; factoring in their preferences and desires when renovating existing assets or constructing new ones is an easy way to broaden your appeal to potential buyers. According to the SIMS Luxury Builders “What Home Buyers Really Want” report, senior buyers’ sentiments about [desirable and undesirable] features “tend to be stronger than other sub-populations.” This means, for example, the presence of outdoor living space, garage storage (vs. attic), and a full bath on the main level of a property can make or break a property’s appeal for this generation of buyers. Boomers also expressed a desire to purchase homes that enable them to live on a single level and aversion to two-story family rooms and properties with elevators. While not all investors are renovating properties with an eye toward appealing to senior residents, eliminating such a large portion of the population could be dangerous. Monitor senior migration trends in your markets of interest, and rehab with their preferences in mind if they are a major force in your area. For example, Myrtle Beach, South Carolina, and the surrounding Grand Strand area posted a 23% increase in its 65+ population in 2024, and that trend appears likely to continue in 2025. Analysts at the Wall Street Journal cited the presence of distinct (but “not extreme”) seasons, a coastal region that is not “all the way south,” and Myrtle Beach’s international airport as factors in the population growth. “There are multiple hospital systems and nationally ranked medical institutions within driving distance,” added local agent Melanie Hellmer. She also noted the market supports a variety of retirement lifestyles, including living near the ocean, golfing and tennis, and inland residences for “more privacy and space.” The market is also more affordable than many in retiree-inundated Florida, making it a good place to retire and representing opportunity for investors serving this population. Niche Market #2Airbnb “Refugees” are Turning to Mid-Term Rentals Since its debut on the market in 2008, Airbnb has disrupted the short-term rental (STR) market in a variety of ways. Criticized for alleged negative impacts on affordability and neighborhood quality of life, the company has also provided a life-changing opportunity for many real estate investors to diversify and grow their portfolios via vacation-rental strategies that would have been largely unheard of just a quarter of a century ago. However, that prosperity and success has become a double-edged sword, with Airbnb “hosts” recounting nightmare scenarios in which the platform has banned their user profiles and properties, sometimes with little warning or recourse, and devastated their investment portfolios. For these investors and others who may balk at the increasingly high fees associated with using the Airbnb platform or the unreliable nature of many guests, the “mid-term rental” could be a solid alternative to STR. “If you have a property on Airbnb that is a strong performer and is generating serious income, that property is likely generating far more revenue than it could as a long-term rental

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A Niche Opportunity for Real Estate Investors

Transforming Travel, One Guestroom at a Time REI INK had the pleasure of meeting and talking with Kevin Bidner, President & CEO of the Hotel Communication Network at the National Private Lenders Association Conference in Austin, TX. Below is an excerpt from the company’s Executive Summary which outlines the concept, strategy, and business plan of the company. It was only natural to include this in our January 2025 “Niche Markets” issue as it represents a unique investment opportunity that real estate investors may be interested in exploring. Travel is one of the world’s largest industries, comprising 10% of the global GDP. The Hotel Communication Network’s (HCN) founders identified the travel industry as an opportunity for a digital platform that had not yet been established and set about applying their considerable experience in this sector to the evolution of a strategy to establish a digital platform by penetrating the heart of everyone’s travel experience, the guestroom. This launch strategy is the installation of tablet computers into guestrooms creating a billboard with ‘push’ messaging, as well as a fully interactive portal, aggregating hotel, city, and meeting/convention content as well as transactional opportunities. The tablet also enables communication through the guest’s own mobile device, based on a system of scannable QR codes delivered to the screen. There is an obvious industry-wide ‘technology vacuum’ in today’s guestroom. With 85 million millennials now outspending all other demographics in the travel industry, Hoteliers, traditionally late adopters of technology, are overdue for a communication upgrade. It is quite clear: having a book and a land-line phone in the guestroom simply won’t do for the millennial generation. The upgrade of communication technology has been tried on the television (failed), and on guest’s own devices with mobile apps, also with similarly disappointing adoption results (JD Power reported under 10% adoption in 2019). In contrast, a guestroom tablet reaches every guest on property with proactive in-room ‘Billboard’ type communication, which is un-missable. Even more convincing, 85%+ of guests pick up the tablets on every day of their stay, entirely solving the hotel’s communication problems, updating the communication technology in the guestroom to conform with the demands of today’s generation of travelers, and making the guestroom tablet the natural next major rollout in the hotel industry. A guestroom tablet replaces all the old ‘junk’ littering up the guest experience, replacing the paper hotel directory and city magazines, the land-line phone, clock radio, TV remote and even the thermostat, with a single device that becomes the room controller, while at the same time creating a cutting-edge communication and transactional capability in the guestroom. The winner of the guestroom technology platform becomes far more than just the ‘guestroom tech company.’ As the installation grows to critical mass in the industry, this guest-facing, connected network becomes a ‘digital marketplace’ and eventually a travel industry marketplace. To that end, HCN’s founders, with two globally successful digital platform plays in their resume, created a strategy to win the industry from the top down by investing their time and technology to become the company that would one day win the multi-million room major accounts, starting with Hilton, then Marriott and IHG (Holiday Inn, etc.) With that leadership, the rest of the industry will follow, triggering a multi-million room rollout to the 3, 4 and 5-star category hotel tiers worldwide. “Win the Guestroom, Win the Guest” There are over 17 million guestrooms in 187,000 hotels worldwide. Of those, 16.9 million of them are devoid of smart room technology and HCN has created a smart room platform that can be deployed on a global scale. It is cloud based, multi-lingual and built on the latest technology stack that can adapt to any hospitality segment in the marketplace. Global hotel revenue hit $198.6 billion in 2020. In addition, the hotel room is the nexus of the tourism industry, the convention industry, and the hotel related food service industry in every downtown core. Placing a proactively broadcasting tablet right at the point of purchase (75% of all travel spending decisions are made in the guestroom), gives these stakeholders direct access to this incredibly valuable customer set. HCN’s mission is the establishment of a critical mass of tablets in every major city, creating a global ‘digital marketplace’ in the travel sector. Important to note, the tablets are only the starting point, by getting millions of guests per day using the marketplace, this launches the “HCN Passport” mobile platform, that the guest can take with them all through their stay, with an AI concierge to accompany them and assist them with their every need. The Global Launch Begins Now HCN is well on the way to launching its global rollout along two strategic pathways to achieve rapid expansion and reach throughout the hospitality industry. Plan A targets the installation of 100,000 tablets in Hilton Hotels worldwide within the next 12 months. With a global Master Service Agreement secured with Hilton, this planned rollout is more than achievable. The zero-cost installation model for hotels, paired with a revenue-sharing arrangement, offers strong incentives for adoption and accelerates scalability. The second pathway focuses on high-density installations in major metropolitan areas to further accelerate market penetration. This approach includes collaboration with city visitor bureaus to place HCN tablets in guest rooms as dedicated “Visitor Guides.” Starting with 30,000 units in Chicago, this model will expand rapidly in cities like New York City, Las Vegas, and Orlando, where installations could reach 100,000 units per city. Globally, this model has the potential to reach millions of rooms, tapping into the 17 million rooms worldwide within the hospitality industry. Either of these — Hilton’s adoption, or penetration into city markets, paves a clear path for HCN to enter IPO territory. With no competitors able to match their pace, they have a solid path to success ahead. In the chart below is a breakdown of their projections, per revenue unit, per room, per month in the various revenue categories. Note the tablet cost is $145 each. Synergistic rollout to the

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Becoming a Real Estate Success

“Always Do it Right” Eddie Gant is an independently owned and operated franchise business owner with HomeVestors® of America, Inc. (HVA) in the Houston and Austin markets. He started his first franchise, Advantage House Buyers, in 1999 and subsequently started A2 Housebuyers, which focuses on the Austin real estate market. Today, he is a leading real estate investor in Texas. Mississippi to Texas and Engineering to Real Estate Born and raised in Mississippi, Eddie attended Mississippi State University before continuing his education at the University of Texas – Arlington, where he obtained a bachelor’s degree in Structural Engineering. He worked in the field engineering department for Hilti for 4 years before moving into multiple sales positions. Eddie was later promoted to regional sales manager over South Texas and Louisiana. Becoming a HVA Business Owner Based on his experience and success with Hilti and later Structural, Inc., Eddie realized he loved the sales process. He left the engineering field and bought a HomeVestors franchise in June 1999, after seeing an ad in the Houston Chronicle and attending a HomeVestors seminar. “At the seminar I met Ken D’Angelo, the founder of HomeVestors, and also Ken Channell, who was a former partner of D’Angelo’s and who would later become the co-president of HomeVestors,” Eddie explained. “I was the last person to leave the room that night…I wanted to do this and do it big right from the start.” From June through December 1999, Eddie bought 15 houses. Throughout Eddie’s second, third, and fourth years as a HomeVestors franchisee, he would buy approximately 40 houses each year, before increasing to over 100 houses per year. Over the course of his real estate career, he has purchased, rehabbed or sold over 1,800 properties. “The HomeVestors culture is based on the mantra, ‘Always Do It Right.’” Today, Eddie also works as a HomeVestors Development Agent (DA) to help train and support new franchise owners in the Houston and SanAntonio markets. The Future Looking at 2025, Eddie is adamant that interest rates need to come down to the 5% range. He predicts they will come down, albeit slowly and not in “leaps and bounds.” As for his own business, he says his ventures will see growth because typically, any market does not like “unknowns,” and many of the “unknowns” have been removed. Quotable Quotables “Always do it right!” “A real estate investor should only work a half a day…they just have to figure out which 12 hours to work.” “In two years, we will have another discussion on how real estate has changed due to technology. One thing that will not change is that real estate will always be a ‘people’ business.” Advice from an Expert “My advice for anyone getting started in real estate investing is simple, and that is to become a HomeVestors independent business owner. They have the best lead machine, mentoring, and coaching available. I would not be here after 25 years if it were not a great system. If you choose another avenue, get an education so you do not become a ‘one-and-done.’” HomeVestors Whether you are curious about real estate investing or you have dabbled in it and want to make it a full time job, HomeVestors helps entrepreneurs from all walks of life build their own real estate business. Our franchise owners enjoy independence while also benefitting from the famous We Buy Ugly Houses® brand and our best-in-class real estate investing tools, software, and mentorship. If you are interested in a franchise, call 866-249-6932, email Sales@homevestorsfranchise.com or visit www.homevestorsfranchise.com. Each franchise office is independently owned and operated.

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An Investor’s Guide to Interest Rates for 2025

A Path to Profitability for the Well-Versed Investor by Andy Bates Few factors can have as much impact on investment strategies, and indeed the national economic landscape, as interest rates. At the onset of 2025, it is crucial for investors to not only understand the basics of interest rates, but also which sociological factors will come to bear, and what strategies investors can employ to maintain and grow their business in the current and anticipated rate environment. The Inner Workings An elementary definition of interest rates is that they represent the amount a borrower is charged over time on an allotment of loaned money, also known as principal or funding. The actual rates charged by lending institutions on the principal they provide are determined by a variety of criteria. Not the least of these is the federal funds rate, which is governed by the Federal Open Market Committee, or FOMC, and impacts many economic conditions including inflation. In times of higher inflation, many institutions tend to raise interest rates which, in turn, can impact consumer demand for borrowing. The basic expectation is that interest rates and the housing market have an inverse relationship. That is to say that when inflation is up, the housing market tends to slow down. The above is an example of how the Fed can be leveraged to reduce consumer spending, which in turn results in a decrease in the overall cost of goods and thus lowers inflation. Per one Q4 summary of capital markets in 2024 conducted by U.S. Bank, the Fed is expected to continue to lower interest rates. The assessment concludes that as of late last year the Fed appears to have entered an interest rate decrease-cycle. While this interpretation, based on market data and activity from the FOMC, seems hopeful, it is not the only variable at play which can impact interest rates particularly as a new president of the United States enters office. The Impact of an Election Year When governance and policy shape the economy, and can help determine its overall trajectory, then it logically follows that major shifts in governing bodies, such as the election of a new president and all the changes ushered in by the transfer of power, can have significant impact on the overall economy and on interest rates in particular. Will a strong push right, politically, mean more inflationary policies? At the beginning of the term, this remains to be seen. On the campaign trail, Donald Trump employed particularly strong rhetoric in consideration of tariffs. In a discussion with private lender RCN Capital, economist Rick Sharga, founder and CEO of CJ Patrick Company, comments that severe tariffs on larger import countries like China would likely not be eaten by vendors but rather shunted onto the plates of consumers. Sharga asserts this would subsequently raise the cost of living and could cause a boomerang impact on the inflationary environment. That environment would spur the Fed to take action to reduce such outcomes. The actions of the Fed in turn would likely result in increased interest rates to hedge against inflation. Sharga also notes that campaign rhetoric and term policies often differ in severity, so it may yet be that cooler heads prevail during this presidential term. Relevant Investor Strategies For investors it is not only important to have a finger on the pulse of those factors which can impact interest rates, but also to understand how best to leverage the current environment to the advantage of their business. Rising interest rates eat into an investor’s return on investment (ROI), making it more difficult for them to achieve adequate cashflow from their properties. The ability to vary one’s revenue strategy may be the key to overcoming this disparity. As higher interest rates naturally dry up ROI, particularly with short-term investments, one possible strategy is to pursue longer-term investments during periods of higher interest. The aim of this being to focus on improved ROI through investment appreciation, something which is more accessible when assets are held long term. When working with unfavorable interest rates it can also be beneficial for the investor to consider market areas when scoping out new opportunities. There is very little preventing investors from operating outside of their local municipality. So, it can be worthwhile investigating markets for expected property appreciation, especially during renovative efforts and new construction set to improve the value of homes in the area. In many areas of the country the same property can cash-flow more effectively with a short-term leasing strategy than a longer-term one. The savvy investor considers all available options for funding. In higher rate environments, traditional financing can have lesser appeal due to regulations surrounding conventional mortgages. In this situation, alternative funding sources such as private lending should be considered. Many private lenders offer financing options which cater well to investors. These lenders might require fewer documents, have greater flexibility in their underwriting and allow for a streamlined process that can be repeated on subsequent investments. Some private lenders provide short-term funding with interest only options or zero prepayment penalties, enabling investors to improve their ROI and investment schedule. Interest rates can place more properties beyond the means of many investors, but it is worth considering that investors are not the only ones concerned over this conundrum. Sellers too can feel the pressure of rate environments, and uncertainty on the direction of interest rates can inform this even more. With sellers wanting to relinquish properties as soon as possible there is something to be said for wielding interest rates in the investor’s favor. The pressure they supply can be a bargaining chip to bring a seller to the investor asking price. Into the New Year and Beyond The real estate industry is bubbling with anticipation. Much remains to be seen regarding the impact of office and policy on the current and future rate environment within the space. Yet real estate investors are far from out of options when it comes to their business strategy. When

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From Flippers to Leaders

How BRK CTY Became the Nation’s Premier DSCR Lender by Eric Panecki When the co-founders started BRK CTY, we did not intend to become the leading DSCR (Debt Service Coverage Ratio) lender in the country. Our roots were humble, born from our experience as New Jersey real estate investors flipping properties. This hands-on knowledge gave us a deep understanding of the challenges investors face, from navigating financing options to closing deals quickly. We saw the inefficiencies and pain points firsthand — and we knew we could do better. Our journey from investors to DSCR specialists was not without its challenges, but it is a story of resilience, focus, and innovation. Today, we are proud to say we help brokers and their clients achieve their real estate goals, offering a tailored, expert-driven approach to lending. Here is how we got here, the products we offer, and some best practices for brokers looking to thrive in this competitive space. A Strong Foundation in Real Estate BRK CTY’s story began like many others in real estate: with a few properties, a vision, and a lot of hard work. We built our expertise buying/holding/flipping houses, learning what it takes to maximize returns and overcome the unexpected challenges that every investor faces. At first, our lending business was broad. We offered bridge loans, ground-up construction financing, and DSCR loans to meet the diverse needs of our clients. While this approach allowed us to serve a wide range of borrowers, we soon realized it came at a cost. We were not able to focus on doing one thing exceptionally well. That is when we made the bold decision to pivot. We dropped bridge and construction loans to focus exclusively on DSCR loans. It was a tough pill to swallow for our sales team, who initially lost 75-80% of their business. But we believed that by concentrating on one product, we could not only survive but thrive. Why DSCR Loans? DSCR loans are the backbone of real estate investing, especially for those looking to build rental portfolios. Unlike traditional loans that rely heavily on personal income and credit scores, DSCR loans evaluate a property’s cash flow in order to set the basis of the loan value. This makes them ideal for investors who prioritize passive income and scalability. By focusing solely on DSCR loans, we have been able to fine-tune our process, develop expertise, and create a product that truly meets the needs of investors. Our loans offer competitive rates and terms, including 30-year fixed and adjustable options, high LTV ratios for maximum leverage, and simplified underwriting processes for faster closings. Our decision to specialize was transformative. We had a goal of having the widest box available for our underwriting process in order to meet our brokers’ needs. We partnered with multiple capital providers to make that happen. We have grown into a trusted partner for brokers and their clients, offering unmatched speed, transparency, and support. From Being White-Labeled to Building Our Own Infrastructure In our early days, we operated behind the scenes, white-labeling our lending services for larger firms. While this gave us valuable exposure and volume, it also came with limitations. We didn’t have control over the borrower experience or the ability to innovate on our terms. We were doing five loans a month… The turning point came when we saw the inefficiencies with this model. The lack of flexibility and the disconnect between our services and the end customer’s needs were holding us back. We realized that to grow, we needed to build our own infrastructure.  We were doing 10 loans a month… This was no small feat. Developing the systems, teams, and processes to handle everything in-house was a significant investment. But it paid off. Today, we manage everything in-house from underwriting to servicing, ensuring a seamless experience for brokers and borrowers alike. We were doing 20 loans a month… Ironically, some of the same firms that used to white-label us now rely on our infrastructure to power their operations. It is a testament to the strength of what we have built. We are now doing 100 loans a month, $50M in transactions, and are still growing. Partnering with Brokers for Mutual Success Brokers are at the heart of what we do. We view them not just as intermediaries but as true partners in delivering value to investors. Here is how we support brokers to ensure their success: Transparent Compensation // Brokers can earn up to 5% points and yield spread on deals. We pride ourselves on having no hidden fees. Our structure ensures that brokers are fairly compensated while maintaining competitive terms for borrowers. Dedicated Support // Each broker is assigned a dedicated account manager, providing a consistent point of contact to navigate deals efficiently. From initial inquiries to closing, our team is here to support every step. Technology-Driven Solutions // We have invested in tools and platforms to make the lending process as seamless as possible. Our pricing engine, application portals, and tracking systems provide brokers with real-time updates and transparency. Education and Resources // We regularly host webinars, provide co-branded marketing materials, and share best practices to help brokers stay ahead of industry trends. Expanded Buy Box // We sell to a broad network of loan buyers, allowing us flexibility that can be an advantage to our customers. We’re able to offer low seasoning periods, low credit score, Sub-1.0 LTV loan amount, etc. Our goal is to be the one stop shop for all DSCR products. Best Practices for Brokers In our experience working with brokers nationwide, we have identified a few key practices that separate top performers from the rest of the herd: Know Your Products // Understanding the nuances of DSCR loans is crucial. This includes knowing what makes a deal work, the target borrower profile, and how to position the product to maximize value. Focus on Thorough Submissions // The more information provided upfront, the faster and smoother the underwriting process. This minimizes back-and-forth and ensures

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