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Diversification

Based on investing over 5 quarters to achieve optimal diversification, an investor owning 10% of each of ICA’s loans would have achieved the following diversification:

Loan Size
$500,000 to $5,000,000 (depending on pool size):
Property Type
PERMITTED: Multifamily, Retail, Office, Industrial, Self-Storage.
PROHIBITED: Hospitals, Assisted Living Facilities, Nursing Homes, Hotels, Casinos, Golf Courses, Schools, Unimproved Land, Movie Theaters, Parking Garages.
Location
Loans may be originated in any of the 50 states plus the District of Columbia
Terms
5-15 Years
Amortization
Maximum 25 years
Debt Service Coverage
Min 1.25x (Target 1.50x) Office, Industrial, Retail, 1.20x (Target 1.50x) Multi-family (based on 25-year amortization). Note: Long Term Credit Tenants may justify a lower debt service coverage
Prepayment
Yield Maintenance or 1% whichever is greater
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