In the changing lending landscape, private lenders have three basic options when originating loans. Which option is best for you? The terms “data” and “analytics” have become ubiquitous for good reason. Within every industry, there has been a huge shift from reliance on personal networks to gather anecdotal information to a more tech-savvy approach to [...]
Lightning Docs, the official loan documents and loan document platform of the American Association of Private Lenders (AAPL), recently shared updated annual bridge and rental loan data that shows the current state of the private lending industry. Since 2018, Lightning Docs has tracked data for more than 54,000 loans at an aggregate of $29.7 billion, [...]
Institutional investors may be pulling back, but smaller, local investors see opportunity. There’s been some recent buzz about institutional investors pulling back on property acquisitions, but the small-volume local investors who account for the majority of investment property purchases are bullish about ramping up acquisitions in 2024 after being constrained by a lack of inventory [...]
Several converging factors are making office-to-multifamily projects more appealing for investors and capital providers. Here’s what you need to know. The onset of the pandemic and the subsequent years brought several market realities to light. One is the need and demand for housing virtually everywhere in the country. The other reality, particularly in light of [...]
For lenders to thrive in the current demanding capital landscape, understanding the pulse of the market and the factors driving it is of utmost importance. In today’s financial market, capital is a precious commodity. The current dynamic between borrowers and lenders is undergoing a seismic shift. The shortage of discretionary capital has led to an [...]
Previously unavailable industry data made accessible through AAPL gives members a competitive edge. Earlier this year, Lightning Docs, the official loan document platform of the American Association of Private Lenders (AAPL) joined forces with AAPL to bring to light up-to-date state-of-the-industry data that had previously been unavailable for those in the private lending sector. The [...]
Even in a tight deal market, there are opportunities you can take advantage of; however, you must also be aware of their associated risks. Lenders, especially new and small lenders, must keep their eyes open for both opportunities and threats. Changing market conditions can bring good deals that nimble and niche lenders can take advantage [...]
Second quarter 2023 trends are similar to first quarter. Overall, we're seeing the same trends as we did in the first quarter: rising interest rates, rising fees, movement toward safer investments. Closing ratios are down significantly, indicating lenders are more selective about the loans they are willing to do. Note: These data include detailed breakdowns [...]
Analysis of the first quarter year-over-year changes reveals that market conditions have exerted pressure on both private lenders and borrowers. Despite a decrease in volume, lenders have displayed a heightened risk aversion by opting for first mortgages, lower loan-to-value ratios, reduced involvement in commercial and rehab deals, and a preference for ACH as the primary [...]
The rising cost of materials and labor combined with a pinch in the skilled trades and supply chain have made it increasingly important for lenders to determine whether a borrower’s plan for a property is reasonable. Those who are truly great and those who are truly humble share at least one important thing: They are [...]
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