From Boom to Balance
Inventory, pending ratios, and price cuts reveal a market recalibrating fast—and creating new investor openings. The housing market downshifted decisively in 2025 as stubbornly high mortgage rates, tariff uncertainty, and a more laissez faire housing [...]
Sitewire Launches BudgetIQ™ and PermitIQ™ to Make Pre-Construction Risk Standardization the Default
Lafayette, California — December 10, 2025 — Sitewire, the draw management and inspections platform for construction finance, today announced the launch of BudgetIQ™and PermitIQ™, two products designed to standardize pre-construction risk checks before budgets are [...]
Junior Mortgages Doomed After AB 130?
Republished with permission from Doss Law. Original article published 7/1/2025 on dosslaw.com On July 1, 2025 California AB 130 became operative law in California. It is intended to remedy “zombie loans,” which are typically dormant [...]
Scale Your Platform
An Unbeatable Partnership in Real Estate Finance Fidelis Investors: Entrepreneurial speed meets institutional strength. When you combine a capital partner with a true capability of balance sheet lending and flexible underwriting, Fidelis's 29+ years of [...]
Member Spotlight | Carr Talent Acquisition
Our December Member Spotlight shines on Carr Talent Acquisition! What should we know about Carr Talent Acquisition? CARR Talent is a premier hiring agency that specializes in hiring in lending, construction, real estate invesment firms, [...]
Ownership Isn’t Leadership
My 12-Year Journey Building AAPL Twelve years ago, I walked into my first American Association of Private Lenders event with a notebook, a head full of ideas, and a simple question: What could this industry [...]
Draw the Line
Shortcuts and workarounds inside lending firms are opening the door to systemic abuse. A common misconception is that fraud in lending originates primarily from borrowers, such as falsifying income or inflating property values. However, unethical [...]
The Undead Threat
“Zombie liens” can jeopardize private lending and property transactions. Everything about the Brazos County, Texas, deal just south of Austin looked solid. The borrower had purchased a single-family home, secured financing through Ternus, completed renovations [...]
Accounting for Securitizations
Private lenders can scale with securitizations when consolidation, control and valuation are handled correctly. If you are looking to capitalize on loan securitizations, you are not alone. Securitizations are increasingly popular because they allow private [...]
Avoid Pitfalls in Prepayment Penalty Rules for LLC Borrowers
Lenders face heightened compliance risk as states vary widely. In today’s shifting legal environment, lenders must stay alert to state-specific prepayment penalties (PPP) that may affect their underwriting decisions, especially in loans to LLCs or [...]
Industry Leaders Share Their Journeys in Private Lender Perspectives: Leadership Stories from Professionals Shaping the Industry
KANSAS CITY, Mo. – October 16, 2025 — The American Association of Private Lenders (AAPL) today announced the release of its new book, Private Lender Perspectives: Leadership Stories from Professionals Shaping the Industry, a collection of first-hand insights from [...]
Member Spotlight | Construction Inspection Specialists
Our November Member Spotlight shines on Construction Inspection Specialists! What should we know about Construction Inspection Specialists? Construction Inspection Specialists offers a full range of inspection and due diligence services to residential and commercial lenders [...]
Take Control of Comps
Eliminate overly-subjective and intentionally misrepresented influence to safeguard every loan you originate. Whether your lending business has been affected or not—and whether you’ve been aware of recent issues that have impacted many reputable lenders in [...]
Lock Down Your Disclosures
Stop lawsuits before they start by putting every fee change in writing. Principled lenders occasionally find themselves navigating ethical gray areas—not through malice, but through oversight, ambiguity, or the breakneck pace of deal flow. As [...]
Tier II and III Markets Surge
Origination numbers are up even as loan amounts level off. Following a rate cut in December 2024, the Federal Reserve has maintained the same federal funds target rate for the first four consecutive FOMC meetings [...]
Same Market, Different Results: Why Some Lenders Are Winning Big
With DSCR loan volume up 105% year-over-year, top performers aren’t riding the wave—they’re creating it through better execution and infrastructure. Lightning Docs is a SaaS platform founded by the partners at Fortra Law —recently rebranded [...]
Modernize Private Lending in Utah
Help update restrictive lending laws to support business-purpose lenders. Private lending is a cornerstone of real estate investment and small business growth nationwide. However, in Utah, outdated and overly restrictive lending regulations are limiting opportunities [...]
Dig Out Stalled Projects With the Right Developer
When construction restarts after a standstill, it takes a nuanced set of developer skills that even some seasoned pros may lack. Jill Duke and Keith Tibbles from Level Capital One of the most effective ways to [...]
Manage Every Loan Like It’s Day One
Great servicing teams drive loyalty and stop losses before they start. Private lenders spend considerable effort building, fostering, and maintaining relationships. Often, this experience allows them to understand the operational risk associated with a loan, [...]
Member Spotlight | Jennifer Young
Our October Member Spotlight shines on Jennifer Young! How long have you or your company been an AAPL member? Over 10 years! What have you found to be most beneficial from AAPL membership? AAPL has [...]
