Member Spotlight | Res/Title
Our October Member Spotlight shines on Res/Title! What should we know about Res/Title? Res/Title is a nationwide title and settlement company that has been helping clients navigate the title and closing process since 1994. We [...]
Multifamily RTL Is Ready for Its Own Track
Anyone active in the Residential Transitional Loan (RTL) securitization market is familiar with the question that comes up when a portfolio is being assembled for a deal: “What do we do with the loans backed [...]
Claim Your Own Pond
At some point in your lending career, you will be tempted to grow just because you can. An unexpected deal lands in your lap, capital is available, and the logic seems airtight. More loans mean [...]
Defensive Driving for Appraisals
Most valuation risk hides in predictable gaps, if you know where to look. Defensive Driving Rule #1: Check your blind spots. All drivers have them—areas outside our natural line of sight. The risk isn’t their [...]
Loan Participations: There’s More Below the Waterline
Did you sell the loan, or finance it? Every private lender entering a loan participation should answer that question upfront, but it often surfaces later in an audit meeting, when the accounting treatment does not [...]
Steer Through the Fog
AI-driven systems for nonconsumer lead generation, underwriting review, and credit decisioning are becoming embedded in how private lenders source business-purpose borrowers, assess risk, and deploy capital efficiently. But the more these systems become integral to [...]
New AAPL Member Discount: Alefy
The American Association of Private Lenders (AAPL) is pleased to welcome Alefy as its newest Member Discount partner, providing private lenders with a way to monitor portfolio risk and identify new property, borrower, and entity-level [...]
Protect the Plan with Prepayment Penalties
You price risk, allocate capital, and build a return model around a specific timeline. When a borrower repays early, however, while you may recover the principal, you won’t recover the full return you and the [...]
The Sugar High Is Over
Three years into a slow-motion correction, local market experts see more softness ahead before conditions improve. Spiking mortgage rates in the second half of 2022 shocked the housing market out of its pandemic-triggered sugar high [...]
Raising the Bar
As we enter a new year in private lending, our industry continues to operate in a landscape defined by both complexity and opportunity. Shifting market conditions have required lenders to exercise greater discipline, sharper risk [...]
Private Lenders Can’t Ignore AML
The private lending industry has watched the rollout and then recission of the Financial Crimes Enforcement Network (FinCEN) Residential Real Estate Rule with understandable concern, if not outright whiplash. A federal-district court has temporarily taken [...]
Bigger Moves. Sharper Tools. Zero Apologies.
From foundational training to fraud defense and regulatory engagement, AAPL is building the systems private lending now requires. If it feels like the private lending market is louder, faster, and riskier than ever, that’s because [...]
Housing Bill Targets Corporate Home Buying
Th U.S. Senate overwhelmingly approved S.2651, the 21st Century Road to Housing Act on March 12, closely mirroring a version the House previously passed. Although reconciliation is still required, the legislation has broad bipartisan support. [...]
Tightening Yields Demand a New Callsheet
ATTOM’s latest annual “Single-Family Rental Market” report, released in March 2026, confirmed what many private lenders and investors have been seeing for several quarters: Rental yields are tightening across much of the country, even as [...]
Your Association at Work
AAPL has never been busier, and neither have the people helping move it forward. What a lean internal team of three once handled has expanded into a seven-person operation fully embedded across programming, partnerships, member [...]
Member Spotlight | RAM Financial Group
Our September Member Spotlight shines on RAM Financial Group! What should we know about RAM Financial Group? RAM Financial Group is a well-established property tax lender in the state of Texas. After a couple decades [...]
Project as Company Surpasses $1 Billion in Loans Under Management
Jersey City, N.J. – August 25th, 2026 – Asset Based Lending (ABL), a national private lender and a driving force behind the next generation of real estate investment, today announced it has funded its 10,000th [...]
Velocity to Acquire Toorak’s Operating Platform, Manage $3 Billion Portfolio
Westlake Village, CA – August 27, 2026 – Velocity Financial, Inc. (NYSE: VEL) today announced a definitive agreement to acquire the operating platform of longtime AAPL member Toorak Capital LLC, a business-purpose lending and asset [...]
Raising Capital the Right Way Starts With the Right Structure
Raising capital is one of the most difficult aspects of building a successful private lending business. The capital-raising framework you choose early on will shape nearly every strategic decision that follows. Key considerations include fund [...]
Growing Fraud Problem Demands Industry Leadership
Fraud is not new to private lending, but the speed and sophistication we are seeing today represent a concerning shift. What once appeared as isolated attempts to exploit documentation gaps has evolved into coordinated, technology- [...]
