Member Spotlight | John V. Santilli
"If you focus on the problem, you can't see the solution. Never focus on the problem!" This month's Member Spotlight holds that quote as a personal mantra to keep perspective and never give up. If [...]
Forget the Hype and Focus on What Really Matters
Superlatives abound in the world of real estate investing. Articles, podcasts, and other media boast headlines like ”10x Your Business” and ”1,000 Doors in Only 2 Years.” The private money industry isn’t immune to peacocking [...]
Mortgage Lender Licensing—What You Need to Know
This is your 2022 update on state-by-state requirements to transact a business purpose, private loan. What is probably most surprising about needing a mortgage license to transact business purpose loans is private lender perception. Private [...]
The Landscape Ahead for Direct-to-Consumer Lending Vs. Brokers
Developing relationships with brokers seeking to enter the private lending space may give your company a boost. Brokers go where the money is. In 2022, with interest rates increasing, refinancing demand declining, and a fresh [...]
Foreclosure Forecast: The Unexpected Ahead
Here are five reasons a significant market correction may be on the horizon. During the past two years, the real estate industry has been waiting for a market correction that has yet to occur. Even [...]
Market Trends Among Various Commercial Asset Classes
Private lenders should anticipate these five developments among CRE asset classes in 2022. Despite the initial shockwaves felt at the onset of COVID-19, certain sectors of the real estate market have proven to weather the [...]
Lending to a Fraudster: A Cautionary Tale
Dedicate the time to properly evaluate the borrower. If you are a private lender, your primary goal is ensuring you get paid back. The best way to improve those odds is to scrupulously follow your [...]
Beating the Odds: HOW Accounting Can Help You Scale Your Business
An outsourced or in-house accountant can provide the information private lenders need to make educated decisions about growth. Successful entrepreneurs know their businesses will navigate several phases of growth. The same can be said of [...]
Industry Perspectives: Breaking Into the Business
One investor recounts his journey into private lending and the factors he considered as he scaled. Similar to the experience of other private lenders, my first opportunity in the industry fell in my lap. I [...]
6 Ways to Mitigate Loan Risk
Don’t forget that when you push and pull levers, moving one lever can impact the entire project you’re funding. As a private lender, there are a lot of levers you can pull to mitigate risk, [...]
Update on State and Local Lending Issues
The devil is in the details, so the GRC relies on AAPL members to alert us to proposed legislation that could impact the industry. The AAPL Government Relations Committee endeavors to monitor legislation that may [...]
Active Legislation Alert
Proposed California and New York bills will significantly impact private lenders. When it rains, it pours. Within 10 days of each other, California and New York proposed legislation impacting our industry. As of the time [...]
Calling His Own Plays
Former NFL player Josh Baker jets into high gear with his new venture. Josh Baker’s career path has been unorthodox, veering from a major in criminal justice to a stint in the NFL to a [...]
The Housing Markets Most at Risk for a Correction in 2022
Here’s a look at markets with the most overinflated home prices and those with the biggest backlogs of distress. A home price slowdown and possibly even a correction is a growing risk facing U.S. housing [...]
AlphaFlow and the American Association of Private Lenders Announce Strategic Partnership
SAN FRANCISCO, CA and KANSAS CITY, MO –AlphaFlow and the American Association of Private Lenders (“AAPL”) today announced a partnership to help lenders grow their businesses and the private lending industry. AlphaFlow, the leading technology [...]
The Demise of “Hard Money” in a Private Lending World
Words have power. We use them to define our place in the world and to communicate that position to others. Recently, one phrase long used in our industry has come under fire: hard money. What [...]
Proposed California bill would tax nearly all residences sold within 7 years of purchase
California AB 1771 will charge an additional 25% capital gains tax on almost EVERY RESIDENTIAL PROPERTY sold within 3 years of purchase. UPDATE 4/25/22: The bill was heard for the first time by the Assembly [...]
New Member Discount: $250 Off Settlement Services Nationwide with Liberty Title
Liberty Title & Escrow is the American Association of Private Lenders' newest Member Discount partner, assisting lenders with full-service title and closing services for purchases, refinances, foreclosures, REO properties, and commercial transactions nationwide. Liberty Title [...]
Member Spotlight | Alex Breshears
Only 50,000 people on the planet — ever — have finished something called the Dopey. That's probably because anyone who even attempts to earn the medals must be just a little insane. Oddball name aside, [...]
Member Spotlight | Ruben Izgelov
If you ask Ruben Izgelov what he does in his spare time, his response is immediate: spare time is family time. If you push a little bit, he'll add he loves reading in his "absolute [...]
