Case to review with Mr. Shirvan. Monday 23 Nov.

2009

Name: Sheyman, Igor Name: Sheyman, Roman

Address: 3811 Cottonwood Dr Address: 4160 Canyon Crest Rd. W.
Danville, Ca 94506 Danville, Ca 94506
Phone: 925-648-4627 Phone: 925-648-4627
FICO: 800 FICO: 790
Home Value: 1.1 Mil. Home Value: 800K
Loan Owed: 570K Loan Owed: 530K
Income: 240K. Income: 200K
No car payment, no credit cards

Both brothers do have a low interest rate on their personal homes @ 4.8 for a 30 yr. fixed.
Will they be able to obtain an even lower rate, if they refinance now, in conjunction with
all of the below listed properties? Also, Igor needs the complete information regarding
the government tax credits, rebates for new and current homeowners. He has heard that
the $6500 tax credit is now applying to investment properties as well. Please research,
and clarify for him.

The two brothers share title of a 4,000 sq. ft. 4-plex on 354 19th Ave. San Francisco, Ca.
The property has been appraised at $1.7 Mil. Amount owed on the current loan is $
665K; the rate is @6.25, 30 yr. fixed. The property was purchased in 1997. Units: 2
Bed.1.5 Bath / 2 Beds. 1 bath / 3 Bed.2.5 bath / 1 bed. 1Bath. 4 cars garage. Clients
request a lower rate for this property.

Mr. Igor Sheyman has recently (2mos. ago) purchased 4 condominiums. He has paid
cash in full for each condo unit. He has complete Title and Deed to each property. He
needs a lender that will not require the cooling down period of 6 months, in order to
finance each unit. He would like to put down either 25-30% on each unit, and obtain a
low interest rate. Below are the complete descriptions of each property to be financed.

1. 1009 Murietta Blvd. #65 Livermore, Ca. Built 1969. 1300 sq. ft., 3 bed. 2 bath.
225 Sq. ft. Patio, Carport. Current Market Value: $170K.

2. 9085 Alcosta Blvd. #348 San Ramon, Ca. Built 1972. 932 sq. ft., 2 bed. 1 bath,
Carport. Current Market Value: $170K.

3. 1041 Morhr Lane Concord, Ca. Built 1980. 950 sq. ft., 2 bed. 1 bath, Carport.
Current Market Value: $115K.

4. 470 North Civic Drive, Walnut Creek, Ca. Built 1972. 893 sq. ft., 2 bed. 1 bath.
Carport. Luxury Community. Current Market Value: $225K.

Thank You. MGM Global, Mr. Caesar Larwie. November 22, 2009.