Strong Demand for Commercial Real Estate Credit

$3.1 Trillion U.S. CRE Credit Market Spans Geographies and Property Types

  • Incorporating an allocation to CRE credit has historically generated differentiated sources of income and may benefit a multi-asset portfolio outside of the traditional 60/40 model
  • Modern portfolio theory advocates diversification to minimize overall volatility or “risk” by investing in a variety of asset classes to weather different market conditions
  • Large and diverse $3.1 trillion CRE credit investment opportunity with $2.1 trillion of mortgages set to mature by 20251
  • Complements a real estate equity allocation and provides the opportunity to diversify a traditional fixed-income portfolio
$2.1 Trillion of CRE Mortgages to Mature by 2025

CRE Loans Generally Have Performed Well Across Market Cycles2

  • Quarterly CRE loan net charge-offs have averaged 0.38% over the last 25 years
  • Historically, CRE loan net charge-offs have only spiked during major financial crises, and loans have performed well overall through up and down economic cycles
  • CRE loan net charge-off rates include construction lending, which is not a focus of InPoint’s investment strategy
CRE Loans Generally Have Performed Well Across Market Cycles
1 Trepp - Based on Federal Reserve Flow of Funds Data. September 2019. Data available upon request. Information is projected and actual results may vary. 2 Board of Governors of the Federal Reserve System: Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks. (http://www.federalreserve.gov/releases/chargeoff/chgallsa.htm). Federal Financial Institutions Examination Council (FFIEC) Consolidated Reports of Condition and Income (1991-2021: FFIEC 031 through 034; 2001-2020: FFIEC 031 & 041). There is no guarantee that market conditions will continue or be profitable. Data available upon request. This website is neither an offer to sell nor a solicitation of an offer to buy securities. An offering is made only by the prospectus. This material must be read in conjunction with the prospectus in order to fully understand all of the implications and risks of the offering of securities to which the prospectus relates. A copy of the prospectus must be made available to you in connection with any offering. No offering is made except by a prospectus filed with the Department of Law of the State of New York. Neither the Securities and Exchange Commission, the Attorney-General of the State of New York nor any other state securities regulator has approved or disapproved of the securities, determined if the prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

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