All mortgage loan participations will benefit from top-loss credit enhancement from financial partners.  Financial partners will generally be mission-driven non-profit organizations that deliver community development products to underserved communities.   The portfolio has a pre-selected group of nationally recognized CDFIs that will serve as financial partners.  Credit enhancements will be provided in the form of subordinate loan participations that will be first at risk in the event of a credit default.

Bridge Loans may not have the benefit of credit enhancements. However, all bridge loans will be collateralized with pledged investments from investment-grade-rated entities.

Community revenue notes are generally structured as collateralized mortgage obligations and therefore generally benefit from credit enhancements provided by subordinate tranches.