Forecasting the Fallout From Forbearance and Foreclosure Freezes
What will the long-term impacts look like? Albert Einstein once stated, “We can’t solve problems by using the same kind of thinking we used when we created them.” In response to the coronavirus pandemic and [...]
Alternatives to Foreclosure
An alignment of interests may solve the oncoming foreclosure flood. It feels as if every other article these days focuses on the effects of forbearance across various asset classes. From agency-backed paper to service non-QM [...]
Urban/Suburban/Rural: Demographics Are Shifting Post-COVID
While macros are unlikely to change, investors and lenders should take local people movement into consideration. During the last decade, before the pandemic, a simple rule governed housing investment: The lesser the density, the higher [...]
Property Valuation in an Upward Trending Market
When comps are scarce, use these strategies to determine accurate values. In an upward trending market driven by rapidly changing supply and demand dynamics, comparable sales (comps) that reflect the current market may be lacking. [...]
AAPL and Think Realty Host a Virtual Day on the Hill
The American Association of Private Lenders and sister company Think Realty meet with legislative staff to voice industry concerns. October 21, 2021 – Members of the American Association of Private Lenders and Think Realty gathered [...]
Boldness and Bravery Defy Adversity
Cindy Nasser's early life experiences taught her lessons about business, empathy, and leadership that drive her success. Cindy Nasser’s career path has been anything but typical. But her life experiences have equipped her with insights [...]
Institutional Homebuyers Are Back, But Not Buying Distress
Most distressed sales are going to smaller-volume buyers and, increasingly, owner-occupants. Large-volume homebuyers ramped up property acquisitions in the first half of 2021, but these are not your father’s institutional buyers. Unlike a decade ago, [...]
AAPL’s Code of Ethics: Honest, Forthright and Professional
These are the hallmarks to which association members strive. AAPL’s Code of Ethics has several purposes. The Code is well-articulated in the association’s annual conference content, continued education for fund managers and private lenders, and [...]
Non-Real Estate Assets as Security
Personal property assets can be used as collateral when the value of the borrower’s property does not meet a lender’s requirements. Nearly every mortgage broker and lender has dealt with a loan in which the [...]
Proposed Federal Tax Bill Will Devastate Private Lenders, Funds
Update 10-28-2021: We have been notified by our contacts on Capitol Hill that sections 138312 and 138314 have been removed from the new draft of the bill. He expressed surprise that they had been [...]
Townhome Project in Fort Worth’s West 7th District
A development project near the West 7th neighborhood in Fort Worth, Texas, provides much-needed housing inventory in one of DFW’s hottest districts. The DFW area has experienced astounding growth in recent years. Companies like Charles [...]
Why Excel is Killing Your Lending Business
Simple spreadsheets may seem like an easy way to manage your leads, deals, and client data; however, there are better solutions. From the get-go, many private lenders use Microsoft Excel as the software solution for [...]
Inside the Deal
Understanding when to work with certain types of lenders saves project time and money. As a real estate investor for more than 20 years, I have had the pleasure of working with both “private lenders” [...]
Borrowers in Bankruptcy Part 3
Get the most out of the bankruptcy: Know your rights and what you can and can’t do. As part of a series of articles discussing strategies for private lenders to work with bankrupt borrowers, this [...]
Institutional Investors vs. Internal Funds
Understand your options for diversifying capital as your lending business grows. In the private lending space, businesses are built on a foundation of strong relationships. Your borrowers will hopefully be clients for years or even [...]
How Can Private Lenders Help Prevent Borrowers From Getting Scammed?
Each quarter, we ask one of our committees to weigh in on a topic. These broad, open-ended questions allow for a wide range of responses to better explore the full scope of an issue. This [...]
“I’m the CEO, and I Approve This Message”
Before you approve any advertising campaign, make sure it adheres to ethical and legal guidelines. When you hear “attack ad,” you probably think “political ad.” Although mudslinging political ads may be the most recognizable example [...]
The 20% Qualified Business Income Deduction
Here’s AAPL’s position on IRS code, section 199A. The Tax Cuts and Jobs Act enacted Section 199A of the Internal Revenue Code in 2017. This legislation created a 20% tax deduction for qualified business income [...]
A Case for Revising Single Asset Real Estate Bankruptcy Regulation
A borrower’s bankruptcy filing can be one of the biggest headaches lenders face. Bankruptcy protection is designed to give a debtor, whether an individual or a business, a fresh start. Although in some cases bankruptcy [...]
Last Call: What Do You Want to Be When You Grow Up?
Heard of lather, rinse, repeat? In life and business, it’s plan, pivot, adapt. Repeat. If you went back to the day your third-grade teacher asked you what you wanted to be, would you say exactly [...]
