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- [...]
Join Us as a Sponsor for A Night of Impact
Success creates opportunities. Significance creates impact. On September 17, 2026, from 6:00 PM to 10:00 PM, Impact Others will bring together an extraordinary group of entrepreneurs, business owners, investors, executives, and community leaders at The [...]
Private Lender Exchange: Institutional RE Purchases
Jesse Goldberg, Parkplace Finance, and John V. Santilli, Unitas Funding What are the effects on homeowners and smaller investors? Few topics in residential real estate generate as much emotional and financial disagreement as the role [...]
Are Short-Term Rentals Scalable?
Discover where short-term rental valuations go off track and how to keep appraisals aligned with underwriting reality. Short-term rentals (STRs) are a small slice of the U.S. housing market, but they have been growing steadily [...]
Lend Where Value Wins
In a high-rate, high-payment environment, the projects and lenders who succeed are precisely aligned with local buyer demand. The housing market during the past two years has been reshaped less by dramatic price swings than [...]
Member Spotlight | Zack Farris
Our August Member Spotlight shines on Zack Farris, Founder & CEO at LendlyX! How long have you and/or your company been an AAPL member? I just joined What benefit are you most looking forward to [...]
Right Turn Funds a Compounding Deal
A spontaneous meeting turned a warm introduction into a funded construction loan and a new stream of referrals. A year ago, you’d have found me in Los Angeles doing the work that never shows up [...]
Shield Your Portfolio Against Bad Valuations
In a fast-moving lending environment, rigorous appraisal vetting is one of the strongest protections against fraud and loss. Valuations are all about managing risk and protecting portfolio integrity. In other words, every loan decision depends [...]
