Working with private lenders has allowed me to scale my real estate investment business faster by leveraging OPM. An established history with private lenders has let me get deals done that would never have come to fruition otherwise. But there are pain points. My gosh, have there been pain points. Here’s what I wish lenders [...]
Investors weigh the pros and cons of individual deeds of trust versus funds. Investors choosing to invest in individual deeds of trust instead of a fund have been frustrated over the past year, especially in California. Just after the Great Recession, individual deeds of trust not only were plentiful but also earned a relatively high [...]
Technology advances will benefit both borrowers and originators. As eMortgages, including eClosings, gain traction and acceptance, the mortgage industry is focused on implementing the latest technology to reduce costs, attract customers and gain efficiencies amid a competitive environment. It’s not an entirely smooth transition, but progress is underway. Fitch Ratings reported in a late 2019 [...]
Here’s how 2020 is shaping up for private lenders. What is the state of the private lending industry in the U.S.? Unlike the national housing market, there is no such thing as a national private lending market. There are 392 defined Metropolitan Statistical Areas (MSAs) in the country. If you consider the distribution of the remaining regional economic [...]
The fund structure, accounting methods and other strategies must be considered in addition to securities compliance. A nonperforming loan (NPL) is a type of note that is in default, distressed, delinquent or otherwise dilapidated. NPLs are interchangeably used with nonperforming notes, distressed debts or distressed loans. Generally, an NPL holder no longer anticipates repayment from [...]
Creating a successful business requires forward planning and strategic thinking. Before planning to scale your private lending business, it's important to gather detailed information that will help to inform your decisions. In the spirit of the internet’s buzzword “scale,” here are five questions you need to ask. 1.What Are Your Strengths? Every business has its [...]
Banks are moving away from DSCR, and private lenders should consider doing so too. For many years, banks have used the Debt Service Coverage Ratio (DSCR) to assess risk regarding a borrower’s ability to make mortgage payments after subtracting normal expenses from income. This ratio is crucial to determining a borrower’s ability to repay a [...]
A real estate investor provides advice on developing creative financing strategies that could carry both lenders and investors through a softer market. As a real estate investor for 15 years, I have worked with my share of private lenders. During that time—and through economic turmoil—I have seen the industry evolve from offering individually-customized loan terms [...]
No man is an island; neither is a business. The idea that independence and autonomy are signs of strength applies less and less as the business landscape evolves. While globalization shrinks the distance between us, technology is simultaneously giving birth to a more complex and decentralized business environment. Now, more than ever, it’s important to [...]
If starting a mortgage fund is on your to-do list, you will need to generate capital. Having a solid pitch deck is vital for successfully acquainting possible investors with your business plan. What exactly is a pitch deck and why is it so important? Think of a pitch deck as your elevator pitch in a [...]
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