; (2) provide mental health or substance use disorder services in a high-need rural or underresourced community; (3) provide multiple services across the continuum of mental health or substance use disorder care; or (4) have the capacity to provide integrated or specialized mental health and substance use disorder care for complex cases or patients with medical co-morbidities. (c) Set-Aside The Secretary shall allocate at least 25 percent of the funds under this section for any fiscal year for awards to construct or renovate facilities serving primarily pediatric populations. (d) Terms and conditions Loans and loan guarantees under this section shall be made on such terms and conditions as the Secretary may prescribe, subject to the provisions of this section including the following: (1) The Secretary may allow credit to a prospective borrower only where— (A) it is necessary to increase the number of psychiatric or substance use disorder treatment facilities to enhance the public’s access to a comprehensive continuum of mental health and substance use disorder services; and (B) a credit subsidy is the most efficient way to achieve such increase (on a borrower-by-borrower basis). (2) The final maturity of loans made or guaranteed under this section shall not exceed a period of 20 years, or the period of 50 percent of the useful life of any physical asset to be financed by the loan, whichever is less as determined by the Secretary. (3) The Secretary may not make a loan guarantee under this section, with respect to any borrower, in excess of 80 percent of any potential loss on the loan. (4) The Secretary may not make any loan or loan guarantee under this section if the loan will be subordinated— (A) to another debt contracted by the borrower; or (B) to any other claims against the borrower in the case of default. (5) The Secretary may not make any loan guarantee under this section unless the Secretary determines that— (A) the lender is responsible