Invest in LendVent Income Fund I

LendVent Income Fund I offers accredited investors an opportunity to invest in a diversified portfolio of high-yielding real estate loans, providing investors with real estate exposure without the typical risks of property ownership.

Our Fund originates, underwrites, and finances loan transactions on high-quality real estate investment properties. The first position real estate collateral of our loans provides inherent security to investors while providing an attractive risk/return balance.

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Earn Cash Flow from Hard Assets

Overview

Target return

Target Annual Return*

10-14%

Real Estate Private Loans vs. Other Asset Classes

Yield

Risk

Principle Protection

LendVent Income Fund I

10-14%

Moderate

Yes, Senior (1st) lien position backed by real estate

Equities & Securities

4-6%

High

No

Certificate of Deposits

1-2%

Low

Yes

Corporate Bonds

3-4%

Low

No

US Treasuries

1%

Low

Yes

Real Estate Rentals

4-6%

Moderate

Sometimes

A portfolio of loans secured by quality real estate assets delivering equity like returns

Attractive Yields Even in a Raising Rate Environment

Principal Protection Through 1st Position Real Estate Security

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Why Invest in LendVent Income Fund I?

Attractive Yields Even in a Raising Rate Environment

Higher yielding / short duration loans are less sensitive to raising rates. The Funds loans are typically 12 months, and no` more than 24 months, with yields north of 10%.

Robust Market for Quality Loans

Experience real estate investors are generally unable to access traditional banks for bridge loans. Our Fund has the ability to fill this funding gap, and therefore lend to experienced real estate investors

Principal Protection Through 1st Position Real Estate Security

Conservative loan-to-value underwriting minimizes potential principal losses in the event of a default.

Large, Highly Liquid Exit Secondary Loan Market

The Fund intends to sell loans in the secondary market to institutional loan buyers and/or replenish the loans through a warehouse facility, enabling the fund to generate a higher yield & mitigate risk.

Stability in Diversity

Loan pool is diversified both geographically as well as by asset class. Risk is spread across entire portfolio

Taking a Proactive Approach to Risk Control

Prudent loan-to-value ratios
a built-in-Margin of safety.

Collateral value in excess of loan*

At least 30% of property value

*So even if property value were to decrease by 30%, the loan principal is still completely protected

*The Fund will only loan up to 70% of a property’s value

In case of a foreclosure, the property becomes an asset of the Fund and any rental income collected is distributed to investors. Any extra profit from the sale of the asset is distributed 50%/50% to investors and the Fund Manager.

Favorable Cash Flow Sharing Arrangement

Taking a Proactive
Approach to Risk
Control

We anticipate that our investors will receive an 10-14% return each year*. The Fund will give payout priority to our investors over the Fund Manager. The Fund Manager receives NO profit sharing until investors have received their 8% Preferred Return.

*Past perfomance does not guarantee future results. Please see the disclaimer page at the end of this presentation for more information.

Typical Loan Characteristics

Loan Type

A non-consumer interest-only mortgage (BPL) secured by real estate investment properties.

Many of the consumer-facing regulations are inapplicable.

Loan Program

➔ Fix & Flip
➔ Rental
➔ Multifamily
➔ New Construction

Asset Class

➔ Non-owner occupied residential; 1-4 units
➔ Multi-Family Properties 5+units
➔ Mixed-Use Properties (Typically 50% Residential)

Geography

Nationwide, with a primary focus on the EAST COAST

Borrower

Loans are primarily made to experienced real estate investors who are in the business of rehabilitating investment properties.

Loan to Value

Up to 90% of purchase, not to exceed 65% to 75% of ARV

Borrower Down Payment

Mandatory

10-30%

cash down payment by the investor

Rate

Interest Rates range from

8-12%

Term

➔ Short Duration
— 12-18 months loan

Construction Financing

Option to finance up to 100% of renovation The funds are not disbursed until the work is completed. Subject to physical inspection

Stirict Underwriting

Property

➔ Location - market conditions
➔ Property condition
➔ Complete Appraisal Report
➔ Vetted & insured
- Conservative valuations
- ARV, AS-IS, and/or rent schedule reports
➔ Independent comparable search
➔ Tax Records - how is it taxed, are there any tax liens?
➔ Department of Building
➔ SOW & Property Inspection Reports
➔ Transaction History - how has the property traded in the past?
➔ Confirming the transaction is arms-length

Borrower

➔ Borrower Experience: we look closely at a borrower’s experience. While most of our borrowers are experienced, a loan issued to an inexperienced borrower is compensated by lower leverage.
➔ Net worth & liquidity has to meet specific thresholds
➔ Full tri-merge credit report - tradelines, usage, history, etc
➔ Full background & OFAC search on the borrower
➔ Borrower must have skin in the game - equity invested at acquisition & construction

Institutional Credit Line Review

➔ Prior to funding, we check that loans conform to the underwriting guidelines of our institutional credit line

Construction Finance

➔ Construction loan is held back and funds disbursed based on the work completed by borrower
➔ Physical inspection with a full construction inspection report

Legal Review & Approval

➔ Our legal team is vetted, insured, and highly experienced working with major lenders and loan buyers
➔ Strict mortgage documents
➔ Reviews title to ensure that the lender's policy is secured

Title Review & Insurance

➔ Chain of title
➔ Encumbrances
➔ Insurance: Builders risk req’d. Compliance verified by our team & a 3rd party
➔ Bind title insurance with a lender’s policy

Typical Loan
Funding Process

1

Loan origination

Borrower completes application with supporting documents.

2

Processing

Processing collects supporting documents (i.e. PFS, SREO, SOW), pulls credit, conducts background & OFAC search, & orders appraisal

3

Underwriting

Underwriting reviews all documents, background searches, credit reports, appraisal report, & validates property value

4

Institutional Credit Line Review

The loan is discussed with the counterparty for a second review & soft approval

5

Legal review

Legal dept reviews title, property insurance, entity & other legal documents. Prepares loan documents & ensures compliance

6

Closing/funding

Closing is scheduled and the loan is funded

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