DSCR Mortgage Loans: Invest Based on Cash Flow, Not Your Income A DSCR (Debt Service Coverage Ratio) loan is a specialized mortgage designed for real estate investors. Unlike traditional loans that look at your pay stubs and tax returns, a DSCR loan focuses primarily on the rental income generated by the property itself. How It Works The "Ratio" is the magic number. Lenders calculate whether the property’s monthly rent covers the mortgage payment (including taxes, insurance, and HOA). • The Formula: DSCR = Gross Monthly Rent divided by Monthly Debt Service (PITIA) • The Goal: Generally, a ratio of 1.00 or higher is ideal (meaning the property pays for itself), though some programs allow for lower ratios with higher equity. • No DTI: Your personal Debt-to-Income ratio is not calculated. We don't need to see your W-2s or employer history. Why Choose a DSCR Loan? • Fast Closing: Since we aren't digging through years of personal tax returns, the underwriting process is significantly faster. • Limitless Scaling: You can own multiple properties without being "capped" by personal income limits. • Flexibility: Close in the name of an LLC or as an individual. Who Is This For? Ready to Learn More? Are you a professional in the real estate space looking to expand your offerings? Ready to see what your deal looks like? No commitment required. • Get Started for a Soft Offer HERE (https://form.jotform.com/260014197822049)— Get your numbers in just 90 seconds (No credit pull required). • Schedule a Discovery Call HERE (https://calendly.com/pineyrogroupofcompanies/discuss-funding-options-for-real-estate-investor?back=1&month=2025-08)— Speak with a loan specialist to strategize your next move. • Download the DSCR Loan Flyer (PDF) HERE (https://acrobat.adobe.com/id/urn:aaid:sc:US:12b6ca63-0444-4174-842c-cfd5cc82e66f)— Keep the facts handy or share them with your team. PCG Commercial | 11820 Miramar Parkway Suite 110, Miramar FL 33025 Toll Free: (833) 247-5626 ext: 701 | Text: (954) 214-2240 EMAIL HERE(info@pineyrocapitalgroup.com)

Foreign National DSCR Loans: Invest in U.S. Real Estate -- NO U.S. Income Required A Foreign National DSCR Loan is designed for international investors who want to purchase or refinance U.S. investment properties without needing U.S.-based income or tax returns. This program focuses on the cash flow of the property, not your personal income or employment history. How It Works? This is a DSCR (Debt Service Coverage Ratio) loan, meaning qualification is based on whether the property generates enough rental income to cover the mortgage payment. 1. The "Ratio" is the key factor. Lenders evaluate the property’s ability to pay for itself. 2. The Formula: DSCR = Gross Monthly Rent ÷ Monthly Debt Service (PITIA) 3. The Goal: A ratio of 1.00 or higher is ideal, though options exist for DSCR < 1 with stronger profiles 4. No Income Required: No U.S. tax returns, W-2s, or employment verification needed Why Choose a Foreign National DSCR Loan? • No U.S. Income Needed: Qualify based on property performance, not personal earnings • Flexible Credit Options: No U.S. credit required or FICO 660+ options available • Global Access: Use overseas assets for reserves • Remote Closings: RON (Remote Online Notarization) available—no need to travel • Cash-Out Options: Access equity from U.S. investment properties Program Highlights: • Loan Amounts: Up to $10M • Leverage: Up to 80% CLTV • No FICO required or 640+ options available • DSCR < 1 allowed (with FICO 680 or no FICO) • Overseas assets accepted for reserves • Minimum 6 months reserves required • One bank reference letter required (lower LTV options are available with no reference letter) • Gift funds allowed • Cash-out refinancing available • RON (Remote Online Notarization) closings available The Bottom Line You don’t need to live in the U.S., earn U.S. income, or have U.S. credit to invest here. With a Foreign National DSCR loan, the property does the qualifying—so you can access U.S. real estate opportunities from anywhere in the world. Ready to Learn More? Are you a professional in the real estate space looking to expand your offerings? Ready to see what your deal looks like? No commitment required. • Get Started for a Soft Offer HERE (https://form.jotform.com/260014197822049)— Get your numbers in just 90 seconds (No credit pull required). • Schedule a Discovery Call HERE (https://calendly.com/pineyrogroupofcompanies/discuss-funding-options-for-real-estate-investor?back=1&month=2025-08)— Speak with a loan specialist to strategize your next move. • Download the DSCR Loan Flyer (PDF) HERE (https://acrobat.adobe.com/id/urn:aaid:sc:US:12b6ca63-0444-4174-842c-cfd5cc82e66f)— Keep the facts handy or share them with your team. PCG Commercial | 11820 Miramar Parkway Suite 110, Miramar FL 33025 Toll Free: (833) 247-5626 ext: 701 | Text: (954) 214-2240 EMAIL HERE(info@pineyrocapitalgroup.com)

Bridge loans are the "Swiss Army Knife" of real estate—perfect for when you need to move fast, renovate, or pivot before securing long-term financing. Bridge Loans: Speed and Flexibility for Every Asset Class In the fast-paced world of real estate, timing is everything. Our Bridge Loans provide the short-term capital you need to acquire, stabilize, or "bridge" the gap between a quick purchase and your long-term exit strategy. How It Works Bridge loans are asset-based, meaning we prioritize the value of the property and the potential of the deal over your personal income. • Speed over Paperwork: Close in as little as 5–7 business days. No long bank queues. • Short-Term Solutions: Typically 6 to 24-month terms, designed to get you to your next milestone. • Interest-Only Payments: Keep your monthly overhead low while you execute your business plan. • Exit Strategies: Whether you plan to sell (fix-and-flip) or refinance into a DSCR loan, we provide the runway to get there. Residential vs. Commercial Bridge We offer tailored solutions depending on your asset type: Why Choose a Bridge Loan? • Win the Bid: Cash-like offers allow you to compete with all-cash buyers. • Property Transformation: Finance properties that banks won't touch (distressed or low occupancy). • Opportunistic Buying: Snag a deal before the window of opportunity closes. Get Started Now Stop waiting on slow banks. Get the capital you need to seize the moment. Get Started for a Soft Offer HERE (https://form.jotform.com/260014197822049)— Get your numbers in just 90 seconds (No credit pull required). Schedule a Discovery Call HERE (https://calendly.com/pineyrogroupofcompanies/discuss-funding-options-for-real-estate-investor?back=1&month=2025-08)— Discuss your blueprints and timeline with our experts. Download the Construction Flyer HERE (https://form.jotform.com/PGOC/commercial-re-loans)— A one-page guide to our rates and leverage. Partner With Us Do you have clients who are losing deals because their financing is too slow? Join Us as a Commercial Real Estate Loan Broker Never lose a deal to a "slow " bank again. Our bridge products make you the fastest closer in the market. Click HERE (https://form.jotform.com/250027503039144)to join our SellMoneyMakeMoney™ PARTNER PROGRAM. Refer and Get Paid. No licensing and or experience required. PCG Commercial | 11820 Miramar Parkway Suite 110, Miramar FL 33025 Toll Free: (833) 247-5626 ext: 701 | Text: (954) 214-2240 EMAIL HERE(info@pineyrocapitalgroup.com)

Fix & Flip Loans: Maximum Leverage for Faster Flips Our Fix & Flip financing is built for speed and high leverage. We don't just fund the purchase; we fund the transformation. Whether it’s a light cosmetic "refresh" or a full "gut renovation," we provide the capital to help you scale your flipping business without tying up all your liquid cash. How It Works We look at the After Repair Value (ARV)—the projected value of the home once your renovations are complete. This allows us to lend more than a traditional bank ever could. • Purchase Coverage: Up to 100% of the Purchase Price. • Renovation Coverage: Up to 100% of the Rehab Costs. • Total Leverage: Up to 75% of the ARV. • No Monthly Income Proof: We qualify the deal based on the property’s potential and your renovation budget. Why Choose Our Fix & Flip Loans? • Proof of Funds in Minutes: Get the letter you need to make winning offers on the MLS or at auction. • Fast Draw Process: We know contractors need to be paid. Our inspection and draw release process is designed to keep your project on schedule. • Experience Incentives: As you complete more flips with us, your rates go down and your leverage goes up. • Wrap-Around Service: If you decide to keep the property as a rental instead of selling, we can seamlessly "roll" this into a long-term DSCR loan. Get Started Now The best deals don't wait. Get your numbers and your Proof of Funds today. Get Started for a Soft Offer HERE (https://form.jotform.com/260014197822049)— Get your numbers in just 90 seconds (No credit pull required). Schedule a Discovery Call HERE (https://calendly.com/pineyrogroupofcompanies/discuss-funding-options-for-real-estate-investor?back=1&month=2025-08)— Discuss your blueprints and timeline with our experts. Download the Fix and Flip Flyer HERE (https://form.jotform.com/PGOC/commercial-re-loans)— A one-page guide to our rates and leverage. Partner With Us Do you work with contractors, wholesalers, or real estate agents? Join Us as a Commercial Real Estate Loan Broker Provide your clients with the most aggressive Fix & Flip leverage in the industry. We handle the heavy lifting so you can focus on building your network. Click HERE (https://form.jotform.com/250027503039144)to join our SellMoneyMakeMoney™ PARTNER PROGRAM. Refer and Get Paid. No licensing and or experience required. PCG Commercial | 11820 Miramar Parkway Suite 110, Miramar FL 33025 Toll Free: (833) 247-5626 ext: 701 | Text: (954) 214-2240 EMAIL HERE(info@pineyrocapitalgroup.com)

Blanket Mortgage Loans: One Loan for Multiple Properties A Blanket Mortgage is a strategic financing solution for real estate investors looking to consolidate or acquire multiple properties under a single loan. Instead of managing separate notes for each asset, you can bundle your entire portfolio into one streamlined structure. How It Works: • The Structure: Multiple properties serve as collateral for a single loan. • The Advantage: Acquire, refinance, or hold several assets without repeating the underwriting process for each one. • The Flexibility: Sell individual properties without paying off the entire loan through strategic release provisions. Why Choose a Blanket Mortgage? • Scale Faster: Fund or refinance an entire portfolio in one closing. • Simplified Management: One loan, one monthly payment, and significantly less administrative overhead. • Rapid Execution: Close deals quickly without waiting for multiple individual approvals. • Enhanced Control: Manage and leverage your investments more efficiently as a unified asset. Ideal For: Program Highlights: • Loan Amounts: $200,000 - $50MM • Leverage: Up to 80% of cost • Terms: 18–24 months • Flexible Options: Fixed/Floating rates, Revolving Credit, and Non-Recourse available. • Accessibility: Foreign Nationals eligible; Nationwide lending. The Bottom Line: If you are managing multiple properties, a blanket mortgage eliminates friction and provides the liquidity needed to scale like a professional. Ready to Learn More? Are you a professional in the real estate space looking to expand your offerings? Ready to see what your deal looks like? No commitment required. • Get Started for a Soft Offer HERE (https://form.jotform.com/260014197822049)— Get your numbers in just 90 seconds (No credit pull required). • Schedule a Discovery Call HERE (https://calendly.com/pineyrogroupofcompanies/discuss-funding-options-for-real-estate-investor?back=1&month=2025-08)— Speak with a loan specialist to strategize your next move. • Download the DSCR Loan Flyer (PDF) HERE (https://acrobat.adobe.com/id/urn:aaid:sc:US:12b6ca63-0444-4174-842c-cfd5cc82e66f)— Keep the facts handy or share them with your team. PCG Commercial | 11820 Miramar Parkway Suite 110, Miramar FL 33025 Toll Free: (833) 247-5626 ext: 701 | Text: (954) 214-2240 EMAIL HERE(info@pineyrocapitalgroup.com)

Ground-Up Construction: From Vision to Value Turn your blueprints into reality with our flexible, high-leverage Ground-Up Construction financing. Whether you are building a single-family spec home or a multi-unit development, we provide the capital to get your project out of the ground and across the finish line. How It Works Construction lending is uniquely structured to support your build cycle. Instead of receiving a lump sum, the loan is disbursed in "draws" as specific milestones are met. • High Leverage: Up to 95% LTC (Loan-to-Cost) and 75% ARV (After Repair Value). • Interest-Only Payments: Manage your cash flow by only paying interest on the funds you have actually drawn. • Seamless Transitions: We offer "Construction-to-Perm" options to roll your build into a long-term DSCR loan once the project is leased. • Experience Matters: Rates and terms are often tiered based on your track record of successfully completed projects. Why Choose Our Construction Loans? • Speed of Funding: We understand that time is money on a job site. Our draw process is designed to keep your contractors moving. • No Income Verification: We focus on the viability of the project and your experience, not your personal debt-to-income ratio. • Flexible Terms: 12 to 24-month terms to give you plenty of time to build, stabilize, and exit. Get Started Now Don't let a great lot sit empty. See what your project qualifies for today. Get Started for a Soft Offer HERE (https://form.jotform.com/260014197822049)— Get your numbers in just 90 seconds (No credit pull required). Schedule a Discovery Call HERE (https://calendly.com/pineyrogroupofcompanies/discuss-funding-options-for-real-estate-investor?back=1&month=2025-08)— Discuss your blueprints and timeline with our experts. Download the Construction Flyer HERE (https://form.jotform.com/PGOC/commercial-re-loans)— A one-page guide to our rates and leverage. Partner With Us Do you work with builders or land developers? Join Us as a Commercial Real Estate Loan Broker Access the capital your clients need to break ground. Our streamlined draw process makes you the hero on every job site. Click HERE (https://form.jotform.com/250027503039144)to join our SellMoneyMakeMoney™ PARTNER PROGRAM. Refer and Get Paid. No licensing and or experience required. PCG Commercial | 11820 Miramar Parkway Suite 110, Miramar FL 33025 Toll Free: (833) 247-5626 ext: 701 | Text: (954) 214-2240 EMAIL HERE(info@pineyrocapitalgroup.com)

Choosing the right financing depends on your property’s current status and your ultimate goal. Use this guide to determine which path moves your project forward. Which should you choose? Choose a Bridge Loan if: • You found a "diamond in the rough" that needs a full renovation. • You are in a bidding war and need to close in under 10 days. • The property is currently vacant and doesn't have a "Debt Service" history yet. • You plan to sell the property (Flip) within 12–18 months. Choose a DSCR Loan if: • Your property is already renovated and has (or is ready for) a tenant. • You want to "lock in" a low rate for the next 30 years. • You want to pull equity out of a stabilized property (Cash-Out Refi). • Your goal is long-term, passive rental income. Get Started Now Don't let a great lot sit empty. See what your project qualifies for today. Get Started for a Soft Offer HERE (https://form.jotform.com/260014197822049)— Get your numbers in just 90 seconds (No credit pull required). Schedule a Discovery Call HERE (https://calendly.com/pineyrogroupofcompanies/discuss-funding-options-for-real-estate-investor?back=1&month=2025-08)— Discuss your blueprints and timeline with our experts. Download the Construction Flyer HERE (https://form.jotform.com/PGOC/commercial-re-loans)— A one-page guide to our rates and leverage. Partner With Us Do you have clients bouncing between flipping and renting? Become a partner and offer the full spectrum of investment capital. Join Us as a Commercial Real Estate Loan Broker Access the capital your clients need to break ground. Our streamlined draw process makes you the hero on every job site. Click HERE (https://form.jotform.com/250027503039144)to join our SellMoneyMakeMoney™ PARTNER PROGRAM. Refer and Get Paid. No licensing and or experience required. PCG Commercial | 11820 Miramar Parkway Suite 110, Miramar FL 33025 Toll Free: (833) 247-5626 ext: 701 | Text: (954) 214-2240 EMAIL HERE(info@pineyrocapitalgroup.com)