Renovo Financial provides financing to real estate investors who rehabilitate unlivable homes in the Chicago area. They offer loans between $50,000-$450,000 with flexible terms to fund acquisition and rehab projects. Their experienced team provides quick approvals, loan structuring to benefit both parties, and in-house processing. Sample transactions show investors earning profits between $15,000-$80,000 by rehabbing and reselling homes within 4-8 months or refinancing rental properties for cash flow. Renovo aims to be the leading lender focused on financing residential rehab investors.

1. 111

2. What we do
 We finance investors who…
 Our clients make big profits rehabbing unlivable homes.
2
Turn this
Into this

3. Renovo Financial Advantages
 Renovo Financial was founded with a simple business plan: to be the
leading finance company focused on the needs of individual Rehab
Investors.
 We achieve these objectives through:
• Quick pre-approvals and immediate feedback
• Experienced team
• Loans structured to create a win-win for all parties
• In-house due diligence and closing process
• Local decision making
• In-house servicing and relationship management following closing
3

4. Our Company
 Established Lender
• Relationship oriented portfolio lender
• Lending in all Chicagoland counties
• Local decision making
• Speed and certainty of execution
 Dedicated Platform
• Exclusively focused on financing residential Rehab Investors
• Single family and 2-4 unit residential properties
• Flexible, first mortgage rehab loans for investors
 Millions of Dollars in Lending Capacity and Support
• Backed by Institutional Private Equity
• Loans held on balance sheet; we are not brokers
• Full-service with in-house staff focusing on origination, processing, closing, and
servicing
4

5. Renovo Clients
 Have successful track records of making money in residential rehab
investing
 Generally are creditworthy and bankable, except for unlivable
condition of property
 Execute one or both of the following strategies:
 Redevelop
• Rehab and resell for a profit
• Profits range from $15,000 to $75,000+ per project
• Typically 6 months from purchase to sale
 Build Rental Portfolio
• Rehab and hold for cash flow
• Monthly cash flow ranges from $500 to $2,000 per property
• Typically 4 - 6 months from purchase to refinance
5

6. Program Parameters
 Loan Size: $50,000 - $450,000
 Loan Types: First mortgage Acquisition and Rehab Loans
 Property Types: Single family and 2 – 4 unit residential
 Geography: Chicago and surrounding counties
 Loan Term: 6 - 9 months
 Loan to Cost: Up to 80%
 Loan to After Repaired Value: Up to 60%
 Interest Rate: 12.5% - 15%
 Points: 3.5% - 6%
 Prepayment Penalty: None
 Fees: $1,000 processing, $100 per rehab draw inspection
 Appraisals: required and ordered through an approved appraiser
 Special Pricing: For Successful Repeat Customers
6

7. Sample Transaction
 Arlington Heights, IL
• Project Type: Redevelopment
• Property Type: Single Family
• Purchase Price: $235,000
• Rehab Budget: $35,000
• Total Project: $270,000
• Renovo Loan: $200,000
• Borrower Investment: $70,000
• After RepairedValue: $385,000
• Equity Created: $115,000
• Outcome: Client accepted offer
with only 14 days on market for
$380,000.List price was $389,900.
 Profit: $65,000 (after all soft costs,
money cost, and project overruns)
• Borrower Return: .93x investment
(279% annualized return)
• Total Project Time: 4 months
Before After
7

8. Sample Transaction
 Skokie, IL
• Project Type: Redevelopment
• Property Type: Single Family
• Purchase Price: $52,000
• Rehab Budget: $88,000
• Total Project: $140,000
• Renovo Loan: $124,000
• Borrower Investment: $25,500
• After Repaired Value: $285,000
• Equity Created: $145,000
• Outcome: Client hits a home run!
Property sold 55 days from purchase
for $120,000, netting a profit of over
$40,000 after expenses. No rehab
work was done.
• Profit: $40,000 (after all soft costs,
money cost)
• Borrower Return: 1.57x investment
(941% annualized return)
• Total Project Time: 55 days
Before After
Sold before
Rehab started!
8

9. Sample Transaction
 Chicago, IL (Austin)
• Project Type: Portfolio Builder
• Property Type: 2 Flat
• Purchase Price: $48,000
• Rehab Budget: $30,000
• Total Project: $78,000
• Renovo Loan: $63,000
• Borrower Investment: $15,000
• After Repaired Value: $125,000
• Equity Created: $47,000
• Outcome: Client refinanced with
conventional lender Renovo referred
client to. Both units were rented at
roughly $1,200 a unit.
 Cash Flow: $2,400 gross rent with
about $750 PITI
• Total Project Time: 4 months
Before After
9

10. Sample Transaction
 Chicago, IL (Logan Square)
• Project Type: Redevelopment
• Property Type: Single Family
• Purchase Price: $71,000
• Rehab Budget: $85,000
• Total Project: $156,000
• Renovo Loan: $118,000
• Borrower Investment: $37,000
• After RepairedValue: $290,000
• Equity Created: $134,000
• Outcome: Client had multiple offers
with in 7 days. Listed for $349,000
sold for $340,000.
 Profit: $80,000 (after all soft costs,
money cost, and project overruns)
• Borrower Return: 3.6x investment
(324% annualized return)
• Total Project Time: 8 months
Before After
10

11. Contact Us
 Chicago Headquarters
1016 W. Jackson Blvd. | Suite 316 | Chicago, IL 60607
 Kevin Werner
• Direct: (312) 288 – 8628
• Email: kwerner@renovofinancial.com
 Daniel Rosen
• Direct: (312) 243 – 3288
• Email: drosen@renovofinancial.com
www.renovofinancial.com
11