Real Estate Investment Finance Radio

In 2009 Lane was asked to become a "Coach" in the national program known as the Direct Lender Alliance. As a coach in the program, he was responsible for training and mentoring hundreds of students every week through live webinar presentations. This experience helped Lane understand the hurdles these hundreds of people were facing in the "money finding" business. In 2015 Lane made the move to Capital Connection which has made its mission to solve the number one problem facing real estate investors and the brokers that assist them, and that is finding, vetting and connecting with the best possible sources of capital found anywhere. The model has proven sound and Capital Connection is growing rapidly. What you’ll learn about in this episode: What to do, and what not to do if you are a small business right now. How YOU Can EARN by providing the BEST SOLUTIONS TO OUR DESPERATE SMALL BUSINESSES! We have pivoted to helping Small Businesses 100%. Tons of confusion out there about the Stimulus Money. Literally Chaos. Wells Fargo Dropped out! Many of our BEST SBA Lenders are ONLY WORKING WITH CURRENT CLIENTS. We are Following it All very Closely. Self employed and independent contractors can begin applying on April 10th. And A Lot More! Resources: Paycheck Protection Program "Explained" - PAYCHECK PROTECTION PROGRAM Webinar REPLAY- If you want to help be part of the solution AND Get Paid!  ***IMPORTANT NOTE*** Since the webinar recording, we have CONFIRMED that you can earn a referral fee for the Cares Act Funding through the SBA!!  - https://rcl.ink/ihz If you need the best source to apply for the Paycheck Protection Program - https://forms.momentumtools.io/?form=rwbscfwbqajo&rp-name=RP012958 If you don’t qualify somehow- send an email with your details to: Deals@capconnectnow.com  

In 2009 Lane was asked to become a "Coach" in the national program known as the Direct Lender Alliance. As a coach in the program, he was responsible for training and mentoring hundreds of students every week through live webinar presentations. This experience helped Lane understand the hurdles these hundreds of people were facing in the "money finding" business. In 2015 Lane made the move to Capital Connection which has made its mission to solve the number one problem facing real estate investors and the brokers that assist them, and that is finding, vetting and connecting with the best possible sources of capital found anywhere. The model has proven sound and Capital Connection is growing rapidly. What you’ll learn about in this episode: Lane Talks About State of Lending Currently In the Midst of Covid-19 Uncertainty. Great News!  Lending IS Happening! Important Updates from Frannie and Freddie. Capital Connection Pivots-  How You Can Help Small Businesses Right Now- And Get Paid to Do So! Resources: Link To Fannie Mae Covid-19 Info: https://multifamily.fanniemae.com/multifamily-covid-19 Link To Freddie Mac Covid-19 Info: https://mf.freddiemac.com/COVID-19/  Please Add Me To The List for: Emergency Workshop: Helping Businesses and Getting Paid! https://capconnect.kartra.com/page/bizcapconnectwaitlist

In 2009 Lane was asked to become a "Coach" in the national program known as the Direct Lender Alliance. As a coach in the program, he was responsible for training and mentoring hundreds of students every week through live webinar presentations. This experience helped lane understand the hurdles these hundreds of people were facing in the "money finding" business. In 2015 Lane made the move to Capital Connection which has made its mission to solve the number one problem facing real estate investors and the brokers that assist them, and that is finding, vetting and connecting with the best possible sources of capital found anywhere. The model has proven sound and Capital Connection is growing rapidly. What you’ll learn about in this episode: Update on the current status of the Real Estate Investment Financing world in general-  Good news! Discussion of Small Business chaos and what is available to them Right Now! What Capital Connection plans to do to try and help as many as possible Resources: SBA Disaster Assistance Loan Program:   SBA.gov/Disaster      

Alex was born and raised in beautiful Marina Del Rey. Her work ethic is the driving force behind everything she does. Alex graduated with a degree in Hospitality Management from University of Denver and during that time studied International Business in Prague. Following graduation, Alex moved to New York to become a stock broker. She passed her Series 7/66, and within a year of doing so, had the realization that her true passion was in real estate. She moved back to California and never looked back. Alex has structured and originated over $150 million dollars in first position loans over the past 5 years. She has extended experience with new construction, fix and flips, multi-family, special purpose commercial acquisitions, and refis. One of her favorite things about the industry is her ability to uniquely structure each deal. Alex strives to create and foster long term relationships with each of her clients. What you’ll learn about in this episode: Alex walks through how this new aggressive fund can be a phenomenal option where speed counts or when the deal is just not quite ready for more conventional financing! These folks are the BEST at Execution! Alex talks about some recent deals they closed in record time! One in 10 days start to finish, and one in THREE DAYS- Start to finish! They can look at 1-4 Units, Multifamily, Commercial, Rehab, Ground up Construction! TYPICALLY NO APPRAISAL NEEDED! Interest As Disbursed for Rehab/Construction Hold Back!

In 2009 Lane was asked to become a "Coach" in the national program known as the Direct Lender Alliance. As a coach in the program, he was responsible for training and mentoring hundreds of students every week through live webinar presentations. This experience helped lane understand the hurdles these hundreds of people were facing in the "money finding" business. In 2015 Lane made the move to Capital Connection which has made its mission to solve the number one problem facing real estate investors and the brokers that assist them, and that is finding, vetting and connecting with the best possible sources of capital found anywhere. The model has proven sound and Capital Connection is growing rapidly. What you’ll learn about in this episode: Critical and Misunderstood Factors Every RE Investor Needs to Focus on For Success in Raising Capital for their Investors! Lane details the “Four Data Points” that are critical to get almost any RE Investment or Commercial Deal the funding it requires. Why the “Human” element is still critical even when the loan is made to a business or an entity. Does your personal credit matter, and how much? Can you do this with No Experience? (You might like the answer on this one) Why does “Liquidity” matter and how is it defined? Why does “Net Worth” matter and how is it defined?

Mark is a Vice President in NorthMarq’s Charlotte office and actively arranges debt and equity solutions for his clients. Debt and equity sources include Freddie Mac, Fannie Mae, life companies, CMBS, private equity and banks. Mark has extensive experience in all types of commercial real estate and has been active in the industry since 1987. He has held positions in the commercial lending units of Travelers, MetLife, Wachovia and RAIT Financial Trust. Responsibilities included origination, structuring and underwriting within all sectors of commercial real estate. In addition to his tenure with institutional lenders, Mr. Ebersold was the VP of Development with Forsite Development, a privately-held real estate company that specialized in acquiring “value-add” opportunities in the industrial sector, and a Managing Director with Tannery Brook Partners, a boutique real estate advisory shop. Mark has a bachelor of arts degree from the University of Connecticut. He is a licensed real estate salesperson in North Carolina. What you’ll learn about in this episode: How to Figure out the BEST POSSIBLE FINANCING OPTION BETWEEN: Life Insurance, CMBS, Agency, and Non-Bank Lenders. All about the often unknown and misunderstood option of Life Insurance Loans and Why YOU Need to know about this Awesome Financing Option! Mark goes into great detail about things like: Who Qualifies? What Assets Qualify?- (You might be Surprised) What Terms Are Available? How Personal Credit Plays a Part ? Minimum Loan Amounts? How These Loans are Extremely Competitively Priced! What is CMBS Lending and Who Could Potentially be a Great Candidate. How CMBS can offer Equity and Mezzanine Financing to the right borrowers. How Mark can bring huge value by assisting in navigating the sources.

Stephanie Casper is currently Vice President Originations at CoreVest Finance. She has been with CoreVest (formerly Colony American Finance) since 2015 when she joined the firm to manage the Bridge lending business. After graduating from The Hotel School at Cornell University, Stephanie earned her MBA at UNC Chapel Hill. Her career path has included operational management and executive level positions at companies such as GE, Marriott International, and Green Street Advisors. Originally from the Boston area and now living in Southern California, Stephanie is a die-hard Boston sports fan still basking in the Red Sox 2018 World Series and the Patriots Super Bowl 53 wins. She is a certified mat and reformer Pilates instructor, enjoys spinning and is a novice Crossfit athlete. In her spare time she enjoys shoe shopping, reading, and cooking with her husband. What you’ll learn about in this episode: How Stephanie comes from the “equity side of the equation” prior to becoming a loan officer, and how that really helps her perspective in helping Investors. How CoreVest is considered “Medium Money” which falls between conventional or bank financing and hard money, and how that can be a real advantage in getting deals financed! Stephanie goes through in great detail about their comprehensive and extremely competitive options on short term financing for literally any number of units- from 1 and up! How they can help with Rehab and Ground up construction projects! The BEST option for multifamily loans between $500K to $1M- Lane is shocked to hear about this one! Stephanie discusses their very flexible and competitive portfolio/blanket loan. Hear the incredible story of how Stephanie recently helped the host of the show Flip or Flop (Tarek El Moussa) with some great financing for his portfolio! And much, much more!

Mike has been investing in the real estate business since 2004 and has had multiple rentals in locations such as Michigan, Chicago, and Florida. His objective is to purchase neglected apartment complexes that are in need of repositioning and/or with property management issues. These properties are located in emerging markets creating additional added value. He then sells or refinances the property to use the proceeds to buy more and/ or larger properties. Mike has experience in negotiating Letters of Intent/Purchase and Sale Agreements with Banks, Private Investors, and Note Portfolio holders all with holdings of Multi-Family Apartments. He has extensive experience in working with Property Management companies implementing superior Asset Management. What you’ll learn on this episode: **This is a follow up to a recorded training Mike and Lane did in 2017. Mike goes into great detail about how he successfully achieved purchasing, rehabbing and owning 180+ multifamily units and growing. How Mike had to learn the “hard way” and how you can learn and benefit from Mike’s mistakes. Where and How Mike gets his money for the whole capital stack! Hint- It’s almost entirely OPM!! How YOU might be able to work directly with Mike and his team in the future to get more of your own deals closed!

Mike has been investing in the real estate business since 2004 and has had multiple rentals in locations such as Michigan, Chicago, and Florida. His objective is to purchase neglected apartment complexes that are in need of repositioning and/or with property management issues. These properties are located in emerging markets creating additional added value. He then sells or refinances the property to use the proceeds to buy more and/ or larger properties. Mike has experience in negotiating Letters of Intent/Purchase and Sale Agreements with Banks, Private Investors, and Note Portfolio holders all with holdings of Multi-Family Apartments. He has extensive experience in working with Property Management companies implementing superior Asset Management. What you’ll learn on this episode: How Mike and his dad made the transition from Single family homes to Multifamily. How Mike went through 60-70 lender contacts before he found us and we got him financed almost immediately! How Lane and Mike have worked through every deal since then and have used multiple sources to grow Mike’s multifamily empire to currently 180+ Units! How Mike has done this almost entirely with OPM! Tips for how ANYONE can do the same!

In 2009 Lane was asked to become a “Coach” in the national program known as the Direct Lender Alliance. As a coach in the program, he was responsible for training and mentoring hundreds of students every week through live webinar presentations. This experience helped lane understand the hurdles these hundreds of people were facing in the “money finding” business. In 2015 Lane made the move to Capital Connection which has made its mission to solve the number one problem facing real estate investors and the brokers that assist them, and that is finding, vetting and connecting with the best possible sources of capital found anywhere. The model has proven sound and Capitol Connection is growing rapidly. What you’ll learn about in this episode: Lane “Pulls Back the Curtain” on what really goes on behind the scenes in order to get a deal all the way to the funding table. What it takes an investor just to get their first deal to the “Plate”. The Importance of Picking a good team and the most critical member of that team! The Secret to analyzing your deal up front and exactly how to do it! The Story of Mike and how we’ve helped him grow to over 160 Units under his control and growing fast! What Really are your options when it comes to the money side of Real Estate Investing. How we go about finding the best possible options for our clients.

Drew Culkin, is a commercial account executive with APEX, and his company specializes in loans as small as $25,000. APEX serves an underserved sector of the real estate industry, with products designed for businesses who don’t need a huge monetary infusion. What you’ll learn about in this episode: Drew Culkin’s career journey leading to his current position with Apex Mortgage Corporation based in Horsham, Pennsylvania Why Apex Mortgage specializes in small commercial loans from $25,000, and why their low minimum is a key to their success What deals Apex Mortgage specializes in, and what areas they choose not to work in and why they avoid those markets Why medical marijuana businesses are a particular challenge for lenders due to conflicting state and federal laws What criteria Drew looks for in approving loans, and why it varies from industry to industry How Apex Mortgage determines their maximum loan-to-value and the interest rates they offer Which states Apex Mortgage declines to operate in, and what programs and options Apex Mortgage offers Why Drew will advocate on behalf of borrowers and will challenge decisions by underwriting when necessary Additional resources: Website: www.apexmtg.com Website: www.thefundinglounge.com *As with all of our episodes, terms and conditions may change over time, contact this lender for current rates and terms.

Based in Texas, Tony Talamas works for a direct, non-recourse multifamily lender, Hunt Real Estate Capital. Hunt is a one-stop shop / direct lender for Fannie Mae and Freddie Mac mortgages starting at $1 million to over $20 million – nationwide. What you’ll learn about in this episode: How Tony got into lending and financial services, and what roles he has fulfilled in his career in the industry How Hunt Real Estate Capital are one of the only lenders licensed by both Fannie Mae and Freddie Mac What ranges of loan amounts are considered “small balance loans” under Freddie Mac and Fannie Mae Why one of the first steps Tony takes is to evaluate a property and determine if Fannie or Freddie is going to be the better option What Hunt Real Estate Capital looks for in a borrower, and why operating history is an important part of the equation How Tony works to get his clients the best deal possible and to best match the loan terms to the property Why Tony tries to be flexible with the rule-of-thumb requirements he’s looking for, taking circumstances into account when possible What net worth, liquidity and other requirements Tony looks at when evaluating a borrower for a loan, by the numbers What level of experience Tony looks for, and his recommendations for how to show a lender you know what you’re doing How to contact Tony with any questions, or to have him evaluate your needs and determine if Hunt Real Estate Capital is a great fit Notes and changes: Hunt Mortgage Group (HMG) is now Hunt Real Estate Capital (HREC) The minimum loan amount is $1 million. Freddie Mac SBL will now go up to $7.5 million, for up to 100 units, up from 75 units Rates: Recorded December 2017

Anna Buckley is an Account Executive at Finance of America Commercial where she structures long-term loans for non-owner occupied rental properties, fix & flip financing and new construction financing for real estate investors and brokers. Prior to joining Finance of America Commercial, Anna worked in residential lending and was a business analyst in the aerospace industry. She holds a Master of Science in Management and a Bachelor of Arts in Advertising, both from the University of Florida. Anna is a native of Merritt Island, Florida and now resides in Charlotte, North Carolina, with her husband, Stephen.   What you’ll learn about in this episode: How Anna got involved in the mortgage industry, and background about Finance of America Commercial Division Which products and options Finance of America Commercial Division offers, including rental, fix & flip, and new construction What criteria Anna and her team look for in a borrower: credit score, net worth, liquid assets, and track record How a single loan works and is tailored to people who are just getting started in the fix & flip business Which factors are involved in determining the interest rate of a fix & flip single loan, and what the minimum amounts are How a line of credit works, and why it is more flexible than a single loan with a better interest rate How a borrower’s exposure limit can potentially be increased as their circumstances change How Finance of America Commercial Division’s long-term loans work, and why Anna doesn’t look at your personal income for these loans How a portfolio loan is structured, what is required for qualification, and what advantage it offers How Finance of America Commercial Division offers options for every type of investor in any business market

If you are looking for a simple way to connect with sources of capital, this is it. Real Estate Investment Finance Radio is where we talk with sources of capital about what they look for in investors, what sort of capital they offer, and how they can be the right source of money for the right people.  In 2009 Lane was asked to become a "Coach" in the national program known as the Direct Lender Alliance. As a coach in the program, he was responsible for training and mentoring hundreds of students every week through live webinar presentations. This experience helped lane understand the hurdles these hundreds of people were facing in the "money finding" business. In 2015 Lane made the move to Capital Connection which has made its mission to solve the number one problem facing real estate investors and the brokers that assist them, and that is finding, vetting and connecting with the best possible sources of capital found anywhere. The model has proven sound and Capitol Connection is growing rapidly. What you’ll learn about in this episode: Your host, Lane O'Bryon, and how he got into the world of real estate finance Why Lane believes in the important role of lenders in helping others improve their financial situation How the financial crash of 2007 impacted Lane and how he survived and then thrived in the post-crash recession How Lane became a coach and mentor for the national Direct Lender Alliance program Which challenges lenders and brokers are facing in the modern day regulatory climate Why Lane co-founded and became president of his business, Capital Connection, and what role his business fulfills Lane's plans for future episodes of the Real Estate Investment Finance Radio podcast Resources: www.capconnectnow.com