Disclaimer

Not Financial or Investment Advice

UpsideIQ and all analysis, reports, deal scores, valuations, projections, and recommendations produced by the Platform are provided for informational and educational purposes only. Nothing on this Platform constitutes financial advice, investment advice, legal advice, tax advice, or a recommendation to buy, sell, hold, or transact in any real estate asset or security.

LFO Capital LLC is not a registered investment advisor, broker-dealer, or financial planner. Use of this Platform does not create any advisory, fiduciary, or client relationship between you and LFO Capital LLC.

Model Assumptions & Limitations

UpsideIQ's underwriting model uses user-provided inputs and proprietary default assumptions. These assumptions are based on historical market data and LFO Capital's internal investment criteria. They may not reflect your local market, current economic conditions, or a specific property's unique characteristics.

• · Property taxes: Estimated using default county millage rates. You may enter the actual assessed rate for your property. Always verify with the county property appraiser.
• · Rent & expense growth rates: Based on historical averages calibrated to Sun Belt and broad U.S. markets. Actual growth will vary by submarket, property class, and economic conditions.
• · Vacancy & credit loss: Estimated using conservative market-level assumptions. Actual vacancy depends on property condition, management quality, and local supply/demand.
• · IRR & return projections: Computed using modeled assumptions across a 10-year hold. Actual returns will depend on actual income, expenses, exit cap rates, and financing terms — which may differ materially from inputs.
• · Cap rate benchmarks: Used to estimate intrinsic value. Cap rates are volatile and market-specific. The estimated value gap is a model output, not an appraisal.
• · AI OM extraction: Offering Memorandum data is extracted using AI and may contain errors or omissions. Always verify extracted data against the original source document before relying on it.

Deal Score Disclaimer

The Deal Score (0–100) and associated grade (F through A+) are proprietary metrics based on LFO Capital's internal investment screening criteria. The score is a screening and comparison tool only. It does not constitute a buy or sell recommendation and does not account for:

• Physical condition and deferred maintenance
• Environmental hazards or contamination
• Title defects or encumbrances
• Zoning, entitlement, or regulatory risks
• Tenant creditworthiness or lease structure nuances
• Local political or market-specific risk factors

A high score does not guarantee a good investment. A low score does not mean a deal should be rejected. Scores must be interpreted alongside full due diligence.

No Warranty of Accuracy

LFO Capital LLC makes no representations or warranties, express or implied, regarding the accuracy, completeness, or reliability of any analysis, projection, score, or report generated by the Platform. The Platform is provided "as is." Outputs may contain errors, and you should independently verify all material assumptions before relying on any output.

Past Performance & Forward-Looking Statements

All projected returns, IRR estimates, cash flow projections, and valuations are forward-looking statements based on modeled assumptions. Past performance of any investment or market is not indicative of future results. Projections are inherently uncertain and actual outcomes will differ.

Limitation of Liability

To the maximum extent permitted by applicable law, LFO Capital LLC shall not be liable for any investment losses, financial damages, or consequential damages arising from your use of or reliance on any output, analysis, or report generated by the Platform.

Consult a Professional

Before making any real estate investment decision, consult with qualified professionals including a licensed real estate broker, certified public accountant, securities attorney, and/or registered investment advisor familiar with your specific circumstances, risk tolerance, and jurisdiction.

Contact

Questions about this Disclaimer? Contact us at info@lfocapital.com.