CTC will utilize CMF funds to close financing gaps by providing below-market loans, grants, and equity investments; loans will bear 0% to 3.5% interest amortized up to 25 years with terms of 1 to 10 years and up to 100% loan to value (LTV), and equity investments priced to provide a 5-10% annual return. Loan types will include predevelopment, bridge, and permanent; payments will be based on available cash flow with the ability to defer payments until the end of the term, if the project cannot repay at that time CTC may restructure the debt including extending the term, forgiving forgive some or all of the accruals, and converting some or all of the principal due into a grant to ensure the project stays solvent and serving low-income residents.