City Bay Capital

Construction Loan
Property Types	Hotel, Multi Family
Lendding Area	NATIONWIDE
Loan amount Minimum	$10,000,000
Loan amount Maximum	$200,000,000
Terms	1 year, 18 month, 2 year, 3 year
Interest Only or Amortized	Interest Only
Lien Position	1st
Recourse	Recourse and Non Recourse available
General Pricing or Guideline info	- Rates: Starting at 500bps + SOFR. - LTC: Up to 75%, possibly higher with additional collateral. - Term: 1 – 3 years with extension options. - Asset Types: Multifamily, hospitality, and other asset types on a discretionary basis. - Executions: Construction, construction completion, recapitalization, alternative reuse, gut renovation, and land. - Borrower: Special purpose entity owned by qualified investors.
Updated as of	2025-05-14

Bridge Loan
Property Types	Hotel, Multi Family
Lendding Area	NATIONWIDE
Loan amount Minimum	$5,000,000
Loan amount Maximum	$100,000,000
Terms	1 year, 18 month, 2 year
Interest Only or Amortized	Interest Only
Lien Position	1st
Recourse	Non Recourse
General Pricing or Guideline info	- Rates: Starting at 350bps + SOFR. - LTV: Up to 75%, possibly higher with additional collateral. - Term: 1 – 2 years with extension options. - Asset Types: Multifamily, hospitality, and other asset types on a discretionary basis. - Executions: Acquisition, stretch senior, bridge to bridge, value-add, pre-stabilization, discounted payoff, recapitalization, construction completion, and hard money. - Borrower: Special purpose entity owned by qualified investors.
Updated as of	2025-05-14

Summary of all Guidelines
Loan Types	Bridge Loan
Property Types	Hotel, Industrial, Land Entitled, Medical Office, Multi Family, Retail
Lendding Area	NATIONWIDE
States Excluded	Arizona, California, Illinois, Louisiana, Mississippi, Nevada
Loan amount Minimum	$5,000,000
Loan amount Maximum	$100,000,000
Terms	1 year, 2 years
Prepayment Penalty	none
LTV Bridge	75
Personal Guarantee /Recourse Required	Personal Guarantee Not Required / Non-Recourse

Strategy: Prudently deploy investor capital through secured investments in commercial real estate assets.

Company Core Values: Integrity, Work Ethic, Perseverance, Transparency, Humility & Community

City Bay Capital is located in Miami Beach, FL. They offer financing for Bridge Loans. The property type they primarily lend against is Hotel, Industrial, Land Entitled, Medical Office, Multi Family and Retail. Their minimum loan amount is $5,000,000. Their maximum loan amount is $100,000,000. Maximum duration of 1 year;2 years.

These descriptions are limited information and meant for general reference purposes.