Private Lenders

Getting Both Right: The “Horse” And the “Jockey”

By |2024-01-29T09:32:05-06:00February 7th, 2023|Fundamentals|0 Comments

Use these tools for valuing a property and vetting your borrower. When private lenders get together, they may find themselves engaging in a discussion about which is more important for winning a race— the “horse” or the “jockey.” It goes something like this: When you underwrite a loan, do you rely more on the merits [...]

By |2024-01-29T09:32:05-06:00February 7th, 2023|Fundamentals|0 Comments

Do Long-Term Rentals Have Staying Power?

By |2022-02-04T19:50:52-06:00January 6th, 2022|Featured, Strategy|0 Comments

Many factors are driving the trend, but private lenders must also understand the risks. Before we get into the latest loan craze in private lending—long-term rentals (LTRs)—let’s review how we got here. For years the focus in lending was around single-family fix-and-flip loans. The focus on this product hasn’t been a few years in the [...]

By |2022-02-04T19:50:52-06:00January 6th, 2022|Featured, Strategy|0 Comments

Yield Compression

By |2021-06-08T13:49:27-05:00May 14th, 2019|Strategy|0 Comments

Why rates for alternative real estate financing are declining in this rising interest rate market The prime rate has been increasing slowly over the past six months, but real estate financing in the alternative sector in California has decreased. Why? Competition among private lending companies in real estate  has increased over the past five years. [...]

By |2021-06-08T13:49:27-05:00May 14th, 2019|Strategy|0 Comments

The Next Baby Boomer Boom

By |2019-05-14T14:27:23-05:00May 14th, 2019|Strategy|0 Comments

How the postwar generation will shake up the housing market. Due to their sheer numbers, the baby boomer generation has had an outsized impact on society. They have been driving cultural change and economic expansion since the 1970s. Lately, they’ve been influencing society in a new way—by holding on to their homes longer than expected. [...]

By |2019-05-14T14:27:23-05:00May 14th, 2019|Strategy|0 Comments

Meet Your Government Relations Committee

By |2019-04-26T17:19:57-05:00April 26th, 2019|Advocacy|0 Comments

The Path Forward The members of American Association of Private Lenders’ Government Relations Committee are your first responders when it comes to tracking legislation and prioritizing, strategizing and executing advocacy efforts. Meet the committee that will help serve as a unified voice for the private lending profession by making an impact on state and federal [...]

By |2019-04-26T17:19:57-05:00April 26th, 2019|Advocacy|0 Comments

New Elite Membership Level Announced

By |2018-11-13T23:49:51-06:00November 13th, 2018|News|0 Comments

American Association of Private Lenders (AAPL) announced its launch of The Influencers as the first national private lender mastermind as a new category of AAPL membership. In a twist from traditional masterminds that focus primarily on internal business issues, members of the Influencers will meet with policymakers to tackle broader regulatory change, create strategies to [...]

By |2018-11-13T23:49:51-06:00November 13th, 2018|News|0 Comments

5 Loan Servicing Tips for Private Lenders

By |2018-08-07T02:37:29-05:00July 18th, 2018|Servicing, Strategy|0 Comments

Private lenders who strive to become best-in-class servicers will set themselves up for healthy profits. Loan servicing has historically been a rather ho-hum industry, long the domain of the traditional bank. Today, however, servicing is a critical value driver for mortgage originators and investors alike. The playing field between large and small servicers has leveled [...]

By |2018-08-07T02:37:29-05:00July 18th, 2018|Servicing, Strategy|0 Comments

Bringing Mezzanine Capital to the Fix & Flip Market

By |2018-08-07T02:37:47-05:00May 15th, 2018|Strategy|0 Comments

Mezzanine capital can help private money lenders win new business. Mezzanine capital, aka “Mezz,” is essentially preferred equity or second mortgage debt that is needed to bridge the gap in the capital stack between first mortgage debt and sponsor (developer) equity. Mezzanine financing is most commonly used by developers in the commercial and new construction [...]

By |2018-08-07T02:37:47-05:00May 15th, 2018|Strategy|0 Comments

Ethical Issues & Social Responsibility in Private Lending

By |2021-08-20T19:29:54-05:00December 5th, 2017|Editorial, Ethics, Honesty, Market Trends|0 Comments

While private lenders are the oldest form of financing, the banking industry gained prestige and influence year over year. Ask anyone where they can get financing for projects and most will say a bank. Bank are large, organized and visible. Their branches litter streets across the country – across the World. Why? Because they are [...]

By |2021-08-20T19:29:54-05:00December 5th, 2017|Editorial, Ethics, Honesty, Market Trends|0 Comments

Vital Tips to Help New Real Estate Investors Acquire Financing

By |2018-08-07T02:39:22-05:00September 21st, 2016|Editorial|0 Comments

Despite a certain level of volatility in the national and global economies, the U.S. housing market has rebounded strongly, opening the door for an influx of new investors. For seasoned real estate investors, the current upswing of the housing market has simply opened another area in which to play, because they find ways to make [...]

By |2018-08-07T02:39:22-05:00September 21st, 2016|Editorial|0 Comments

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