These innovative and non-traditional lending partners, including Hard Money lenders, now finance over 50% of AD&C Lending, particularly in workforce housing. MI$TS insurance is the perfect partner for these lenders, providing a safer lending platform for their investors while driving down costs for owners and builders. This makes AD&C lending more accessible to a larger audience. MI$TS offers situational awareness, open transparency, and compliance functions that allow non-regulated lenders to safely participate in these markets. Additionally, our BIM enhances take-out mortgage acceptance, ensuring long-term financial stability. Together, MI$TS and Hard Money lenders provide strong alternatives to FDIC and NCUA banking models.