<html><head></head><body style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; ">I am refinancing my mortgage, and have run into a major snag, due to this response from Paradigm to my broker.<div><br></div><div><div style="margin-top: 0in; margin-right: 0in; margin-bottom: 0.0001pt; margin-left: 0in; font-size: 10.5pt; font-family: Consolas; "><br></div><div style="margin-top: 0in; margin-right: 0in; margin-bottom: 0.0001pt; margin-left: 0in; font-size: 10.5pt; font-family: Consolas; ">"We are not able to track owner occupancy. Some owners that live at the project use an off-site mailing address. We estimate, but cannot guarantee, that 53% of the project is owner occupied.<o:p></o:p></div><div style="margin-top: 0in; margin-right: 0in; margin-bottom: 0.0001pt; margin-left: 0in; font-size: 10.5pt; font-family: Consolas; "><o:p> </o:p></div><div style="margin-top: 0in; margin-right: 0in; margin-bottom: 0.0001pt; margin-left: 0in; font-size: 10.5pt; font-family: Consolas; ">-Adam<o:p></o:p></div><div style="margin-top: 0in; margin-right: 0in; margin-bottom: 0.0001pt; margin-left: 0in; font-size: 10.5pt; font-family: Consolas; "><o:p> </o:p></div><div style="margin-top: 0in; margin-right: 0in; margin-bottom: 0.0001pt; margin-left: 0in; font-size: 10.5pt; font-family: Consolas; ">Adam B. Williams,<o:p></o:p></div><div style="margin-top: 0in; margin-right: 0in; margin-bottom: 0.0001pt; margin-left: 0in; font-size: 10.5pt; font-family: Consolas; ">Paradigm Partners, Inc."</div><div style="margin-top: 0in; margin-right: 0in; margin-bottom: 0.0001pt; margin-left: 0in; font-size: 10.5pt; font-family: Consolas; "><br></div><div style="margin-top: 0in; margin-right: 0in; margin-bottom: 0.0001pt; margin-left: 0in; font-size: 10.5pt; font-family: Consolas; "><br></div><div style="margin-top: 0in; margin-right: 0in; margin-bottom: 0.0001pt; margin-left: 0in; font-size: 10.5pt; font-family: Consolas; "><br></div><div style="margin-top: 0in; margin-right: 0in; margin-bottom: 0.0001pt; margin-left: 0in; font-size: 10.5pt; font-family: Consolas; "><br></div><div style="margin-top: 0in; margin-right: 0in; margin-bottom: 0.0001pt; margin-left: 0in; font-size: 10.5pt; font-family: Consolas; "><br></div><div>I find it hard to believe that we cannot get a more precise number than this. Do we have a clear record of which units are being rented out now to tenants or not? Why is it so difficult to find out? </div><div><br></div><div>
<span class="Apple-style-span" style="border-collapse: separate; color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0; "><span class="Apple-style-span" style="border-collapse: separate; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; -webkit-text-decorations-in-effect: none; text-indent: 0px; -webkit-text-size-adjust: auto; text-transform: none; orphans: 2; white-space: normal; widows: 2; word-spacing: 0px; "><span class="Apple-style-span" style="border-collapse: separate; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; -webkit-text-decorations-in-effect: none; text-indent: 0px; -webkit-text-size-adjust: auto; text-transform: none; orphans: 2; white-space: normal; widows: 2; word-spacing: 0px; "><div><i>mmm</i></div><div><i><br></i></div><div>Martin M. Marks</div><div>Senior Lecturer</div><div>MIT, Music and Theater Arts Section, 10-268</div><div>77 Massachusetts Ave.</div><div>Cambridge MA, 02139</div><div><br class="khtml-block-placeholder"></div><div>Office phone: 617-253-4967</div><div>Mobile phone: 617-851-8955</div><div>Email:<span class="Apple-converted-space"> </span><i><a href="mailto:mmmarks@mit.edu">mmmarks@mit.edu</a></i></div><div><br class="khtml-block-placeholder"></div><div><br class="khtml-block-placeholder"></div><br class="Apple-interchange-newline"></span></span></span><br class="Apple-interchange-newline">
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