Pereff's financing program (the differentiator — Pereff Knowledge Base)

Pereff integrates project financing into its design-build delivery — bringing capital partners to the table alongside architecture and construction. The program (as described in Pereff's materials) can offer, for qualifying projects:

• Up to 90–99% loan-to-cost (LTC) — far less owner equity than conventional.
• 40-year amortization — lower payments than a typical 20–25 year schedule.
• Non-recourse — the owner is not personally on the hook beyond the project (subject to standard carve-outs).
• Fixed interest rate, locked prior to construction, for the loan term — protection from rate movement.
• Fully assumable — a future buyer can take over the loan.
• Interest-only during construction, self-amortizing in the permanent phase.
• No occupancy threshold required to close the permanent loan (as described).

How the AI should handle this: present it as Pereff's program for qualifying projects, emphasize that final terms depend on the project, sponsor, and market, and route financing specifics to Stephen / Pereff — do not quote it as a guaranteed offer. It is a genuine differentiator: no major DFW competitor integrates financing this way.