Process

LOAN QUALIFICATION PROCESS

1

SOURCE TRANSACTION

COMMUNE ABLP partners with co-lenders and its network of real estate professionals to source pre-qualified transactions.

2

Asset Due Diligence

• Independent appraisal
• Site and area visits
• Comprehensive title search
• Third-party broker opinions of Value
• Cash flow analysis and sales comparables

3

Borrower Due Diligence

• Credit check
• Personal income review
• Identify personal assets and secondary collateral

4

Loan Origination

• Counsel prepares loan documents
• First Trust Deeds on primary collateral
• Assignment of rents & pre-pay penalties
• Personal guarantees and secondary collateral

EXPLANATIONS

Why Commune ABLP versus making direct individual loans?

1

Professional Resources

Professional underwriting & management.

2

Reduced Risk

Low LTV and class A structure allows for further risk reduction.

3

Low Minimum Investment

$100,000 for diversified portfolio of loans vs $1 million+ for a typical loan.

3

Diversification

By diversifying the portfolio of loans, we reduce investment risks.

WHAT MAKES COMMUNE ABLP DIFFERENT

1

Transparency

We provide our investors with monthly correspondence which details the partnership’s activities.

2

Stewardship

We serve the best interests of our clients.

3

Capital Structure

COMMUNE ABLP’s capital structure allows investors to pick their target risk/return.

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