Samantha Regan (Money) to Be Landlord + Fera Poppies Headquarters - 1790 Bonanza Dr, Park City, Utah 84060 - 2nd Floor - 2218 SF, OFFICE SPACE, FullBuildout Formal LOI Signed by Jan 23, Feb 5th recieved PSA, Attorney (still need) Will Be Engaged

Notarized: PURCHASE AND SALE AGREEMENTTHIS PURCHASE AND SALE AGREEMENT (the “Agreement”) is made as of this 11 day of February, 2026 (the “Effective Date”), by and between RAIL CENTRAL, LLC, a Utah limited liability company JON SLOSS and Co-Signer Tom Sloss (“Seller”), and MONEY LLC (ID 774251). c/o Samantha Regan, An Arizona Domestic For-Profit Corporation, and An International Company, Legal Entity Identifier (LEI), (ID XXXX00XXXXXXXXXXXXX), Global Legal Entity Identifier Foundation (GLEIF), St. Alban-Vorstadt 12, PO Box, 4002 Basel, Switzerland, USA EIN: 41-2933593 
Entity Type: Limited Liability Company, Venture Capital, (Private Equity and Hedge Fund ) Financial Services (“Purchaser”)MONEY LLC (ID 774251). c/o Samantha Regan, An Arizona Domestic For-ProfitCorporation, and An International Company,Legal Entity Identifier (LEI), (ID XXXX00XXXXXXXXXXXXX)Global Legal Entity Identifier Foundation (GLEIF), St. Alban-Vorstadt 12, PO Box, 4002Basel, Switzerland,USA EIN: 41-2933593  Entity Type: Limited Liability Company, Venture Capital, (PrivateEquity and Hedge Fund ) Financial Services

2nd Floor - 2218 SF, OFFICE SPACE, FullBuildout

1. Operational Office Space – A dedicated headquarters for Fera Poppies

• Expanding fashion operations
• Creative development, and brand administration.

2. Educational Space for Fashion Students – A modern, collaborative environment where aspiring

• Designers can gain hands-on training, attend workshops, participate in mentorship programs, and learn
• Key industry skills directly from working professionals.

Paul Piper

Is the Propety Manager Right Now.

(DNA Property Management)

Would keep him, but also create

Death LLC

Property Lease Management

1790 Bonanza Dr, Park City, Utah 84060

By maintaining continuity for current occupants, the property will continue generating steady rental income while preserving the stability and value of the asset.

This mixed-use approach allows Fera Poppies to strengthen its business infrastructure, contribute to workforce development in the fashion industry, and enhance the long-term value of the property. By blending real estate investment with educational impact, the project positions the brand not only as a fashion leader but also as a community-focused innovator.

Read About Mone. Capital + Our Investment Strategy With Capital Partners

billingandquestions@gmail.com

MONEY LLC (ID 774251). c/o Samantha Regan, An Arizona Domestic For-Profit

Corporation, and An International Company,

Legal Entity Identifier (LEI), (ID XXXX00XXXXXXXXXXXXX)

Global Legal Entity Identifier Foundation (GLEIF), St. Alban-Vorstadt 12, PO Box, 4002

Basel, Switzerland,

USA EIN: 41-2933593

 Entity Type: Limited Liability Company, Venture Capital, (Private

Equity and Hedge Fund ) Financial Services

Please Contact The Loan Coordinator / Buyer Samantha Regan For Questions about becoming a Capital Partner + Offering a DSCR Loan.

If you are a new loan officer asking questions, a soft pull for Samantha's Personal Credit is 590, It was 700 then 624 , Verizon kept charging her fees she called them and spent 2 hours on the phone and they are still charing her fees so she cancelled all together and only can be reached by what'sapp (4352932542) She is also taking the MLO Test:

"Asset-based lending, factoring, and purchase order financing are NOT the same thing.But I'm convinced half the industry only pretends they know the difference.Here's how it really works, minus the corporate buzzwords.Asset-based lending:  Lender gives you a revolving line of credit.  Your business assets (like receivables, inventory, equipment) are the collateral.  It's like a credit card, but only if you own enough "stuff" to back it up.Factoring:  You sell your invoices to a finance company.  They pay you up front (at a discount), then collect from your customers.  Good if you don't qualify for asset-based lending, but still need cash now, not later. Bad if it doesn't help your company grow.PO financing:  You get funding based on a specific purchase order.  Lender pays your supplier directly so you can fulfill big orders.  It's for those "We'll take 100,000 units ASAP" moments when your bank account just laughs at you.Here's the punchline:Mixing up these three is like mixing up a wrench, a hammer, and duct tape. Sure, they're all tools. But use the wrong one, and you're just making a mess.Asset-based: You borrow against what you already own."

SAFE MLO TEST//NMLS ID: 2801764//VentureCapital//

Should be getting back a signed PSA any day now from the seller Jon and Tom Sloss, goal is for Samantha to own full property, Acquire 100% through 20,000,000 loan/DSCR loan/  OR  Creative Financing. 

(Our original deal fell through because I had my dad involved who is the president of the bank and the deal got too confusing and complicated with family involved so now this is the new deal/terms thus far.)

There are 19 Tenants Total producing 247,240 net income, 2023, projected cash flow for 2025 is 947,429 which means total net income for 2025 will be projected 239,039

Samantha / Fera Poppies Would take the full upstairs space: Which would require a full buildout, 0$ left for build out, Suite 275 2218 SF, OFFICE SPACE, 

2nd Floor - FullBuildout - 0$$ raised for buildout, office suites 235 260 275 remain un-leased for 2025 were formerly producing 83k of cash flow 

Suite 235: A 225 sq. ft. private office on the second floor with a window overlooking Bonanza Drive 

Suite 260: Cant find info on this suite.

So Samantha would lease out 235 and 260

Suite 275: 2218 SF, OFFICE SPACE, 2nd Floor - FullBuildout 

'Space on the second floor features five private offices, a conference room, kitchenette, and a large balcony with resort views. 

In Rail Central - Suite 275, OFFICE SPACE, FullBuildout is located on the second floor with elevator access. 

Features include five private offices, three common area offices, a filing room, kitchenette, conference room and a large balcony with resort views, which is in alignment/perfect for Fera Poppies Expansion:

1. Operational Office Space – A dedicated headquarters for Fera Poppies

• Expanding fashion operations
• Creative development, and brand administration.

2. Educational Space for Fashion Students – A modern, collaborative environment where aspiring

• Designers can gain hands-on training, attend workshops, participate in mentorship programs, and learn
• Key industry skills directly from working professionals.

There are two common area restrooms for Designers and Execs, one located on the second-floor hallway and the other on the first-floor lobby of the building. 

Rail Central is conveniently located on Bonanza Drive adjacent to the Rail Trail. This is a great location to office in the middle of town within walking distance to numerous restaurants.

Suite 275 2218 SF, OFFICE SPACE, FullBuildout Rail Central presents a compelling opportunity for investor Samantha, after Acquire 100% through DSCR, Samantha will have with cash flow of 247,240. 

with equity partner 30% and be paying down the 70% to the group supplying the 19.5M DSCR Loan, so eventually Samantha will own 100% of the building once she pays down 70% of the DSCR loan from. 

SO…. of net income-83k of cash flow, 83,000-25947 = about 57,060 net income, so 247,240-57060 = $190,180 net income for Samantha , 

then pay down 19.5 DSCR loan or Creative Financing … XXX amount agreed on per the terms sheet)

Samantha’s position on Fera Poppies and focus is acquiring an already cash flowing business and then moving the net income after paying down whatever is agreed upon on the terms sheet, 

And then Samantha can better be positioned to operate a fashion company / support the strategic expansion of Fera Poppies within a highly visible, centrally located property. 

Featuring elevator access, five private offices, three additional common-area offices, a conference room, filing room, kitchenette, and a large balcony with resort views, the space is ideally suited to function as a dedicated headquarters for the brand. It will support expanding fashion operations, creative development, and brand administration while also serving as an educational hub for emerging fashion talent. 

The layout allows for a modern, collaborative learning environment where students can receive hands-on training, attend workshops, and engage in mentorship directly with industry professionals—strengthening the brand’s influence and long-term pipeline of talent. 

With convenient access to two common-area restrooms and a prime location on Bonanza Drive adjacent to the Rail Trail, within walking distance of popular restaurants and amenities, this space positions Fera Poppies for sustained growth, community engagement, and increased brand equity—making it an attractive and forward-looking investment for Samantha / Fera Poppies 

Samantha qualifies based on the property’s numbers—not theirs.

No personal income or job history required

Qualify using market rent or lease agreements - then LOI/CONTRACT

Close in LLC or personal name

Great for purchases and cash-out refinance

DSCR loan is ideal for:

Flippers who've gone full-time

BRRRR method investors - (Buy, Rehab, Rent, Refinance, Repeat) Use the recycled capital from the refinance to fund the next BRRRR deal.

Portfolio landlords - Stricter Lending: More paperwork, detailed business plans, and potentially lower loan-to-value (L TV) ratios. increased risk, requiring

deeper underwriting, business plans, and sometimes specialist financing, but offering benefits like diversified income and equity leverage.

Self-employed borrowers with write-offs - Self-employed individuals planning to apply for a mortgage within the next two years should work closely with

their tax professional or accountant to balance their need for tax deductions with their need for higher qualifying income.

Clients scaling fast with multiple doors - Bank Statement Loans: A popular non-QM option, this loan type allows borrowers to verify income by providing

12 to 24 months of business or personal bank statements. Lenders average the deposits to determine the borrower's qualifying income, bypassing the issue of a low AGI due to write-offs.

1. Qualify and package loan for approval

2. Terms

Loan Coordinator (me) - 1 point (Mone.Capital)

Equivalent to 1% of the loan

Brings people looking

pass the doc and clients, 1/2 point

Per deal

3 staff processors

Then goes into underwriting

Then goes into closing

Then to attorney

Then confirm date and time …

FEBURARY 13 @ 12:32 PM

LOAN COMMITMENT NEEDED, WE HAVE A LEGALLY READY FIANANCIAL PLAN FOR ANYONE WHO WANTS TO WRITE THE CHECK FOR LIQUID.. See Financing Strategies.

FEB112026: The Attorney would have to be wired 10,000 retainer fee (part of the 20,000,00.00 loan)

Legal Name: REGAN & FRIENDS FOUNDATION ® EIN Assigned: 39-2369247 501 (c)(7) Social Recreation