Are all properties partially financed by a mortgage?

No, not all properties in the BRXS Properties portfolio are partially financed by a mortgage. We offer two types of investment opportunities:

Mortgage-Funded Properties

Some properties in our portfolio are partially financed with a mortgage:

• The mortgage typically covers between 50-70% of the property value
• We use interest-only mortgages to optimize cash flow
• This approach creates a leverage effect that can potentially enhance returns
• It allows us to acquire more properties and provide more diverse investment options

Non-Mortgage-Funded Properties

Other properties in our portfolio have no mortgage financing:

• 100% of the property purchase value is available for investment through BRXS notes
• This structure offers a different risk-return profile
• It eliminates interest rate risk and reduces the property’s fixed costs

How We Decide

Our decision to use mortgage financing for a specific property depends on several factors:

• Current interest rates
• The property’s rental yield
• Market conditions
• Our assessment of the optimal financial structure

Transparency for Investors

For each property listed on our platform, you can easily find information about any mortgage financing:

• Check the “Key facts” section on each property’s details page
• Mortgage information is clearly displayed when applicable
• All return projections already account for any mortgage costs