Podcasts about real estate lending

In this episode, we interviewed the man who funded over $2 billion in loans, helped over 600 clients, and performed over 40,000 hours of underwriting of commercial real estate - David Kotter is the CEO/President of the Hybrid Debt Fund, as well as Integrity Capital, LLC. Integrity Capital, LLC focuses on proactive commercial finance services for clients throughout the United States. Interview Notes:[00:00-02:27] The trouble with Real Estate Lending[02:28-05:15] Private Credit Funds[05:16-14:48] Why skip the bank[14:49-20:34] Benefits of Hybrid Debt Fund[20:35-24:22] Game-changer[24:23-29:20] Exploring Build-to-Rent Opportunities[29:21-30:10] Learn more about Private Lending[30:10-31:31] Investor Q&ASpecial mentions: Chris Botti, Arizona State University, Utah, Salt Lake CityAny questions?*** Grab my 10k/month passive income strategy and weekly newsletters at https://tinyurl.com/iwg-strategy BOOK IS OUT! Grab Your Copy and learn how to get your feet wet in real estate investing

What if the biggest risk to your private lending business isn't the borrower… but your servicing process? Today's guest discovered that firsthand—and instead of settling for outdated systems, he built something better.Welcome to the lenders playbook podcast. Your go to resources  for private lending, real estate, and entrepreneurship.Today on The Lender's Playbook, we're diving into the origin story of Petra loan servicing with its founder Joseph Dillamore, who went from solving his own lending challenges in the UK to building a national servicing powerhouse here in the U.S. You'll hear how outdated systems and scattered communication inspired him to create a better solution, what it actually looks like to onboard a lender and why Petra's borrower-first approach is improving loan performance across the board. If you're a lender looking to streamline your servicing, improve borrower communication, and grow with confidence, this episode will show you how Petra can help you do just that—without the headaches.

This episode examines tenacity, the power of client-oriented service, and the latest in net lease transactions with Shannon Bona, co-founder and Managing Partner at CrownPoint Partners.The Crexi Podcast explores various aspects of the commercial real estate industry in conversation with top CRE professionals. In each episode, we feature different guests to tap into their wealth of CRE expertise and explore the latest trends and updates from the world of commercial real estate.  In this episode of The Crexi Podcast, host Shanti Ryle sits down with Shannon as she shares her journey from her beginnings in institutional real estate lending at PNC Bank to becoming a successful investment sales advisor. She discusses the strategic initiatives behind forming CrownPoint Partners, the importance of focusing on client-centric services, and the evolving landscape of commercial real estate, including insights into sale leasebacks and market trends. Shannon, a Crexi Platinum Award Winner, also highlights her dedication to mentoring the next generation of real estate professionals and the fulfillment of her long-standing dream of starting her own firm with equally dedicated partners.Introduction to the Crexi PodcastGuest Introduction: Shannon BonaShannon's Career JourneyEarly Career and MentorshipTransition to BrokerageNotable Deals and Client SuccessFounding Crown Point PartnersClient Expectations in a Post-COVID MarketThe Importance of Real Estate FundamentalsCreative Problem Solving in BrokerageSuccess Stories and Marketing StrategiesCrown Point's Vision for the FutureCurrent Market Trends and OutlookSale-Leaseback Transactions ExplainedEssential Retailers and Drive-ThroughsGuiding 1031 Buyers in Today's MarketBuilding Market Expertise and NetworkingRapid Fire Questions and Closing Remarks About Shannon Bona:Shannon Bona is a Co-Founder and Managing Partner of CrownPoint Partners and serves as Broker of Record for Florida and Connecticut. Shannon is a nationwide investment sales advisor for commercial properties, specializing in net lease assets ranging from new construction to 1031 Exchanges. She has been involved in nearly $1 billion in commercial real estate transactions.With over a decade of experience in the commercial real estate industry, Shannon best serves her clients by combining her background in institutional real estate lending and investment sales experience. Shannon started her career at PNC Bank in Real Estate Lending, providing high level debt solutions to all product types for private and institutional clients. She then transitioned to investment sales at Marcus & Millichap, where she thrived as a team leader and received the Rookie of the Year award. Most recently, Shannon was promoted in Spring 2024 to First Vice President of her previous firm, where she led the net lease retail team. Shannon is a graduate of Villanova University, located in Villanova, Pennsylvania, holding degrees in both Finance and Real Estate. Since 2016, she has been an active council member for Villanova's Daniel M. DiLella Center for Real Estate. The Nova Next Council provides strategic guidance on the center's mission and activities, its impact on curricula at the Villanova School of Business, and the expansion of professional development opportunities available to VSB students in the field of real estate. If you enjoyed this episode, please subscribe to our newsletter and enjoy the next podcast delivered straight to your inbox. For show notes, past guests, and more CRE content, please check out Crexi's blog. Ready to find your next CRE property? Visit Crexi and immediately browse 500,000+ available commercial properties for sale and lease. Follow Crexi:https://www.crexi.com/​ https://www.crexi.com/instagram​ https://www.crexi.com/facebook​ https://www.crexi.com/twitter​ https://www.crexi.com/linkedin​ https://www.youtube.com/crexi

How to Survive the Coming Real Estate Storm – What Sean Kelly-Rand Learned at Lehman   For the experienced real estate investor or sponsor, this is a masterclass in what really matters.   When Lehman Brothers unraveled in 2008, it exposed a truth that many in the real estate world still prefer to ignore: even the most sophisticated capital structures can implode when the cost of capital and access to liquidity are misunderstood – or worse, taken for granted. My podcast/YouTube show guest today, Sean Kelly-Rand, didn't just watch that collapse unfold; he lived through it from inside and the playbook he uses today as the managing partner of RD Advisors is shaped, in part, by that early, formative experience.   His approach offers a deeply pragmatic framework for anyone navigating real estate in today's uncertain climate. In an era of overpromised alpha and fragile capital stacks, Kelly-Rand's doctrine is a study in restraint, structure, and staying power.   From the Heart of Lehman to the Edges of Risk   Kelly-Rand joined Lehman Brothers in 2006, just before the implosion, drawn by its dominance in the bond markets which he saw, even then, as the true engine behind real estate. While most looked to equity investment banks for leadership, he understood that the debt markets were where real decisions were made. His work centered on real estate financing and syndication, with a front-row view of a business model that was, in hindsight, structurally doomed.   Lehman's capital stack had been stretched too far – built on short-term funding to support long-term positions. As the firm accumulated assets, expanding its real estate exposure from $5 billion to over $36 billion, it did so with virtually no cushion. Liquidity was cheap and ubiquitous, but inherently unstable. When securitization markets seized up, those long-term assets could not be offloaded without catastrophic discounts to book value. And because any sale would have forced a full repricing of the entire book, no sale could be tolerated. Lehman was stuck – and the system broke.   That lesson remains central to Kelly-Rand's thinking today. The real issue wasn't the quality of the assets; it was the fragility of the structure behind them. Risk wasn't in the deal. It was in the funding.   Rebuilding from the Ground Up   In the years that followed, Kelly-Rand transitioned from the institutional capital markets to operating in the private lending space. He co-founded RD Advisors not just to chase yield, but also to build a firm capable of weathering downside scenarios – starting with a clean-sheet design of its capital strategy.   The fund today focuses exclusively on senior secured debt, kept short in duration and conservatively underwritten. The business avoids the artificial stability of interest reserves or payment-in-kind structures that mask actual performance. Instead, it emphasizes cash-paying borrowers and short-term duration to preserve optionality and liquidity. Leverage is kept modest by design, with loan-to-value ratios structured around exit values that tolerate declining markets. Crucially, every deal is evaluated with a focus on capital preservation. Underwriting is done not with optimism, but with contingency: would the fund be comfortable owning the asset if they had to should a borrower walk? If the answer is anything but a clear yes, the deal doesn't proceed.   This mentality isn't just prudent, it's essential. The goal is to never rely on someone else's execution for one's own capital security. And that institutional memory from the GFC sits the core of the process.   Avoiding the Illusion of Alpha   Much of what passes for outperformance in today's real estate environment is simply leverage in disguise. Sponsors show high IRRs, but beneath them is a capital structure dependent on favorable refis or asset appreciation that may no longer be achievable. That's not skill, it's exposure.   Kelly-Rand's fund's returns, by contrast, are deliberately boring. They are stable, predictable, and quarterly. It's a feature, not a bug. In fact, Kelly-Rand views volatility as a symptom of poor underwriting or misaligned structure, not a badge of aggressive performance.   He's wary, too, of the growing interest in ‘loan-to-own' strategies, particularly among opportunistic capital looking to buy defaulted notes in the hopes of acquiring assets at a discount. While technically accurate – private credit can convert into equity when things go wrong – he emphasizes that building a business around that premise introduces operational complexity, execution risk, and volatility that neither he nor his investors are seeking.   Today's Market Echoes the Last Crisis   What concerns Kelly-Rand most now is how little has changed in institutional behavior since the last crisis – and how closely today's market echoes that of 2007.   There is the same creeping complacency in the banking system. Institutions are holding loans at par that would clear far below face value if sold today. Marking one loan down would trigger writedowns across the portfolio, and many banks simply can't handle that. Instead, they hold and wait, even as rates rise and deposits become more expensive than the loans on their books. This, too, is unsustainable and, like last time, it's a question not of credit risk, but of duration mismatch and funding fragility. Depositors have not yet realized en masse that their money could be earning 4.5% elsewhere. But when they do, the cost of capital for banks could spike rapidly and the system isn't ready.   Worse still, foreign capital, the marginal buyer that has helped sustain U.S. real estate valuations for decades, may be losing interest. If geopolitical or currency instability weakens demand for U.S. treasuries or assets, long-term rates could drift higher, even if the Fed cuts short-term rates. That shift would have a profound impact on real estate pricing, permanently resetting cap-rate expectations – and values.   A Framework for the Informed Investor   The takeaway for sponsors and investors is stark but empowering: you don't need to predict the next crash, but you must be structurally prepared for it.   Kelly-Rand's fund is an expression of that principle. It's structured to be resilient, not just profitable. Its margins are modest but consistent. Its leverage is low by design. And its underwriting focuses on the downside – not because of fear, but because of discipline. His experience at Lehman Brothers gave him a visceral understanding of how quickly capital evaporates when confidence is lost. What makes his insights so valuable today is not just that he's survived a cycle but that he's operationalized that survival into a repeatable, durable framework.   In a world where risk is increasingly hidden behind optimism and spreadsheets, Sean Kelly-Rand offers a different kind of edge: memory.   *** In this series, I cut through the noise to examine how shifting macroeconomic forces and rising geopolitical risk are reshaping real estate investing.   With insights from economists, academics, and seasoned professionals, this show helps investors respond to market uncertainty with clarity, discipline, and a focus on downside protection.    Subscribe to my free newsletter for timely updates, insights, and tools to help you navigate today's volatile real estate landscape. You'll get: Straight talk on what happens when confidence meets correction - no hype, no spin, no fluff. Real implications of macro trends for investors and sponsors with actionable guidance. Insights from real estate professionals who've been through it all before. Visit GowerCrowd.com/subscribe Email: adam@gowercrowd.com Call: 213-761-1000

In this episode, we sit down with Riley Bishop from Easy Street Capital, one of the nation's top DSCR and hard money lenders. Whether you're a seasoned investor or just getting your feet wet in real estate, this conversation is packed with actionable insights you won't want to miss. Riley pulls back the curtain on creative lending solutions, how investors are navigating today's challenging markets, and why DSCR loans are becoming a game-changer—especially for those maxed out on conventional lending. From his own experience as a real estate agent and investor to the trends shaping the future—think ADUs, short-term rentals, and regional hot spots—Riley offers a front-row seat to what's working now. You'll learn: Why capital is more accessible than you think How Easy Street underwrites short-term rental projections Where successful investors are putting their money today How brokers can partner with Easy Street Capital through their white-label program

In this episode, we sit down with Riley Bishop from Easy Street Capital, one of the nation's top DSCR and hard money lenders. Whether you're a seasoned investor or just getting your feet wet in real estate, this conversation is packed with actionable insights you won't want to miss. Riley pulls back the curtain on creative lending solutions, how investors are navigating today's challenging markets, and why DSCR loans are becoming a game-changer—especially for those maxed out on conventional lending. From his own experience as a real estate agent and investor to the trends shaping the future—think ADUs, short-term rentals, and regional hot spots—Riley offers a front-row seat to what's working now. You'll learn: Why capital is more accessible than you think How Easy Street underwrites short-term rental projections Where successful investors are putting their money today How brokers can partner with Easy Street Capital through their white-label program

In this engaging conversation, Mary Hart, a retired attorney and successful real estate investor, shares her journey from practicing law to becoming a prominent figure in the real estate and lending industry. She discusses her passion for financial literacy, the importance of empowering women in real estate, and her belief in the necessity of community and mentorship. Mary emphasizes the significance of understanding hard money lending, the core values that guide her business decisions, and the essential steps to building generational wealth. Her insights provide valuable lessons for anyone looking to improve their financial knowledge and achieve success in their endeavors.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Raising capital and managing investor relationships are key barriers to entry in the real estate lending business. In this episode, David shares his journey from working in the oil and gas industry to founding Crown Capital Resources, a firm that has never missed an investor payment in seven years. He discusses the importance of trust, the mindset shift required to build a successful investment fund, and why real estate investing is ultimately about relationships.David also emphasizes that once you enter the lending business, it's no longer just about hard money—it's about trust. He takes pride in maintaining integrity in his business, ensuring that investors never lose capital, even when deals go south. As he builds his company, he reflects on what he would have done differently and how realizing his company's full potential earlier could have led to even greater financial success today.Key Takeaways:07:45 - Fundraising is a mindset game – You must be willing to put yourself out there and face rejection.12:30 - Trust is the foundation of investing – Lending is not just about capital; it's about building long-term relationships.18:15 - Maintaining integrity matters – David and his team have absorbed losses to protect their investors.23:40 - A mindset shift is crucial – Seeing his business as more than just a side investment was the game changer.30:55 - Legacy and autonomy are key goals– Real estate investing is a pathway to financial freedom and generational wealth.David primarily services Texas but is happy to assist with insights on hard money lending and referrals for other states. Tune in to this insightful episode and learn how a simple conversation can transform your business and financial future!Ready to build your real estate legacy? Listen now!Connect with David:Website: crowncapitalresources.comEmail: david@crowncapitalresources.comInstagram: @crowncapitalresourcesConnect with Corwyn:Contact Number: 843-619-3005Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠Website:⁠ https://www.exitstrategiesradioshow.com⁠Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠Shoutout to our Sponsor: ROBYN COLLINSDo you want something more? More Meaningful Moments opportunities, deeper relationships and memorable experiences? Do you want to make a difference? If you say YES, a career and real estate could be the opportunity you're looking for guiding people to one of the most important decisions they ever made, the purchase or sale of their home can be both rewarding and lucrative. Exit Realty has a revolutionary compensation model training and technology that provides you with the tools you need to start and build your successful real estate career. Call me today  ROBYN COLLINS with REDROBYN HOMES at 843-557-5003. Again that's 843-557-5003 or visit RedRobynhomes.com/join.exit and make your Exit today.

What if you had access to an entirely new stream of income as a private lender? In this episode of The Lender's Playbook, host Matt Rosen sits down with Nate Cater of Phocis Capital to reveal a game-changing opportunity for lenders looking to maximize their revenue beyond traditional banking.We'll cover:✅ How Phocis Capital helps lenders generate new income streams✅ The biggest capital reserve challenges lenders face—and how to solve them✅ Why Phocis offers better security and flexibility than a traditional escrow accountIf you're a lender looking to diversify your revenue and stay ahead of the competition, this episode is a must-listen!

Mark Cassidy is back on the show! This time, we're diving into the world of cigars—what pairs best with them, how they enhance networking, and the excitement around the exclusive VIP Networking Cigar Lounge at the American Lending Conference. It's a laid-back, fun conversation, and we hope you enjoy the episode!

Want to dive deeper into topics like this? Master your journey with Physician Empowerment's Masterclass Membership—your gateway to exclusive content, expert-led sessions, and actionable strategies to elevate your personal and financial well-being. Learn more and join us today! https://www.physempowerment.ca/masterclass—In this episode, Dr. Wing Lim talks with financing expert Gaurav Sobti about the real estate investment financing landscape. They explain the differences between residential and commercial financing, heading into a deeper exploration of the complexities involved in financing the different types of real estate. Wing and Gaurav's discussion highlights the variety of lenders beyond traditional banks, including credit unions, insurance companies, and non-bank lenders. They also explore the complexities of commercial lending and the role of personal and group guarantees. A major topic covered is the CMHC Select program, a government initiative to encourage multifamily housing development through favorable loan terms. The program aims to promote affordability, accessibility, and energy efficiency in housing. Wing and Gaurav talk about how this initiative has significantly impacted the real estate market, making multifamily investing more attractive and accessible. They also examine market volatility, interest rate trends, and the importance of working with knowledgeable professionals in financing. This episode serves as a guide for Canadian investors looking to strategically navigate the real estate lending process.About Gaurav Sobti, CPA, CA, CFA: Gaurav Sobti has 10+ years of financial services experience across real estate, investments, finance and accounting.Gaurav's most recent formal role was with a national real estate finance firm where he was responsible for originating and underwriting commercial mortgage transactions with a specialty on CMHC-insured (multi-family) financing. Prior to that, he spent 4+ years at a private investment fund which had a mortgage investment fund. Prior to that, Gaurav worked at Alberta Teacher's Retirement Fund Board on the private investments team focused on private equity transactions. Gaurav was part of a top-performing team that managed a $3Bn institutional grade portfolio. Gaurav started his career at Deloitte, one of the largest accounting/advisory firms in Canada and worldwide.By training, Gaurav is a designated CPA, CA and CFA Charter holder. Gaurav is a licensed mortgage associate.Gaurav Sobti on LinkedInCreate Commercial Mortgage Services__Physician Empowerment: Attend an upcoming Empowerment RetreatJoin the Physician Empowerment Masterclass nowWebsite: PhysEmpowerment.ca

Fred Shatzoff's powerful insights on modular homes, financial freedom, and the challenges of lending. Learn how creative thinking and resilience can transform your approach to real estate investing and wealth-building strategies. (00:06) - Introduction to the Episode and Guest Fred Shatzoff (00:37) - Fred Introduces Himself and His Background (01:03) - Fred's Personal Interests and Life Outside Business (03:18) - Overview of Everest Business Capital (03:41) - Real Estate Lending Insights and Types of Loans Offered (17:37) - Why Choose Everest Business Capital? Fred's Value Proposition (21:18) - Importance of Communication in Lending and Business (22:24) - Fred's Journey into the Lending Industry (26:18) - Discussion on Modular Homes and Their Growing Popularity (33:49) - Fred's Approach to Solving Lending Challenges (34:01) - Antonio and Fred Reflect on the Value of Caring in Business (35:44) - Closing Thoughts and Farewell to the Audience Contact Fred Shatzoff fredsbizloans.comFacebookInstagramLinkedInCommon LoanDavid Allen CapitalClick here if you'd like to get started in real estate investing, download our free guide, 5 Step Beginners Guide To Real Estate Investing. Click here for USREI Merchandise Visit our USREI merchandise shopAdvertise with us! ⁠⁠⁠⁠Click here for the full episode article and show notes.⁠⁠⁠⁠⁠ Follow us on social: Facebook, ⁠⁠⁠⁠⁠https://www.facebook.com/UnitedStatesREI/⁠⁠⁠⁠⁠ Instagram, ⁠⁠⁠⁠⁠https://www.instagram.com/unitedstatesrei/⁠⁠⁠⁠⁠ Twitter, ⁠⁠⁠⁠⁠https://twitter.com/unitedstatesrei⁠⁠⁠⁠⁠ LinkedIn, ⁠⁠⁠⁠⁠https://www.linkedin.com/company/unitedstatesrei⁠⁠⁠⁠⁠ TikTok, ⁠⁠⁠⁠⁠https://www.tiktok.com/@unitedstatesrei?⁠⁠⁠⁠⁠ Spotify, ⁠⁠⁠⁠⁠https://open.spotify.com/show/6f2Xz83KMZA43OUIUmuJ34?si=DxWjeG6ESOmRii9Eivvb8Q&dl_branch=1⁠⁠⁠⁠⁠ Helping you learn how to achieve financial freedom through real estate investing. Enjoy listening to United States Real Estate Investor content to gain more knowledge and strategies of real estate investing and real estate investment in finance, landlording, property wholesaling, property rehabbing, entrepreneurship, building wealth, learning, teaching, professional networking, property law, tips and tricks, inspiration, motivation, and creating true financial freedom. ⁠⁠⁠⁠⁠United States Real Estate Investor⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Universe Media Mastering: Your audio, more listenable.

On this episode of The Horizon with John Chang, John interviews John Manning. They discuss the current state of the multifamily real estate market, highlighting optimism despite challenges such as high interest rates and limited transactional activity. He explores the role of debt funds, compares various property types, and addresses the difficulties in office financing. John also shares predictions for 2025, emphasizing the potential for increased transaction volume and the importance of strategic financing decisions. Sponsors: Crystal View Capital Capital Gains Tax Solutions Learn more about your ad choices. Visit megaphone.fm/adchoices

Austin is CEO of Pacaso and co-founded the company with Spencer Rascoff (co-founder and former CEO of Zillow) to make the dream of second home ownership a reality for more people after experiencing the profound effect it had on his own life. Pacaso is Austin's second startup. In 2009, he founded dotloop in his hometown of Cincinnati, a company that created software to seamlessly manage real estate transactions. Zillow acquired dotloop in 2015, and Austin continued to run dotloop as a Zillow executive until 2018. Austin started selling real estate at the age of 18 and worked in residential and commercial real estate for a decade.(01:38) - Housing market update(05:26) - Rise of fractional investing & ownership(9:06) - Feature: Pacaso - Luxury vacation home ownership, elevated. Join Pacaso's growth and become an investor of a venture-backed company at Pacaso.com/invest(13:52) - Pacaso's Reg-A offering(16:16) - Pacaso vs. timeshares vs. shares of Hotel companies(21:38) - Property management & owner benefits(26:27) - Community impact & housing affordability(29:39) - Pacaso's Business Model(35:22) - Feature: Blueprint - The Future of Real Estate 2025(36:12) - Reg A investments, transparency & compliance(53:41) - Collaboration Superpower: Steve Jobs

In this episode of The AZREIA Show, host Marcus Maloney and executive director Mike Del Prete welcome Andrew Augustyniak from Neighborhood Loans. Andrew discusses his journey in the lending industry, highlighting the shift from an easy market to one that requires genuine effort and hard work. The conversation covers a variety of topics including the challenges and opportunities in the current real estate lending landscape, the importance of taking risks, and the benefits of real estate investment. Andrew also shares insights on investment strategies such as assuming VA loans and leveraging AI HELOCs. Listeners are encouraged to reach out to Andrew for personalized advice and to take proactive steps in their investing journey. Key Takeaways: 01:36 Introducing Andrew Augustyniak from Neighborhood Loans 02:18 The Real Estate Market's Evolution 04:39 Navigating the Lending Landscape 08:18 Investor Strategies and Opportunities 13:21 Innovative Lending Solutions 22:59 Advice for New Investors 36:20 Understanding the Importance of Knowing Your Numbers 37:10 The Fear and Regret in Real Estate Investing 38:51 Building Wealth Through Real Estate 39:51 The Journey of Real Estate Investment 41:57 Overcoming Fear and Taking Risks 56:39 The Concept of Assumable Loans 01:04:12 Final Thoughts and Key Takeaways Connect with Andrew Augustyniak https://www.instagram.com/andrewaugustyniak/ ---- The Arizona Real Estate Investors Association provides its members the education, market information, support, and networking opportunities that will further the member's ability to successfully invest in Real Estate. Join AZREIA here. Is a Career in Real Estate Right For You? Take AZREIA's Real Estate Investing Entrepreneurial Self-Assessment at  

In this episode of the InsuranceAUM.com Podcast, host Stewart Foley sits down with Bill McClay, CFA, portfolio manager at Fidelity Investments, to explore the evolving landscape of high-yield real estate lending. With banks pulling back and a significant volume of commercial real estate debt maturing over the next three years, Bill shares how private lenders are stepping up to fill the gap. He provides an in-depth look at Fidelity's real estate platform, their approach to navigating current market challenges, and the opportunities for investors in middle-market lending.   From bridge loans to construction financing and gap funding, Bill explains how Fidelity has positioned itself to address a supply-demand imbalance in commercial real estate debt. This episode offers valuable insights into the dynamics of property types, regional bank exposure, and the role of private capital in shaping the future of high-yield real estate lending.

Rich Byrne joins to discuss private credit. He says there's huge demand in that market, tightening spreads and crowding the trade. Therefore, he says the best relative value is in real estate lending as traditional lenders pull back amid struggling commercial leases. ======== Schwab Network ======== Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribe Download the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185 Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7 Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watch Watch on Vizio - https://www.vizio.com/en/watchfreeplus-explore Watch on DistroTV - https://www.distro.tv/live/schwab-network/ Follow us on X – https://twitter.com/schwabnetwork Follow us on Facebook – https://www.facebook.com/schwabnetwork Follow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Connie Lee is the Founder of Reffie, a centralized leasing platform designed to help Multifamily operators streamline their leasing processes and lease units faster. Reffie helps automate the 'boring', so real estate operators can focus on closing more renters. Before launching Reffie, she served as Strategy & Operations at Mosaic.tech and also managed Finance and Business Operations at ZipRecruiter. Connie is also a Real Estate investor in Los Angeles and an angel investor in various startups.(02:40) - Connie's entrepreneurial journey to Founding Reffie(05:49) - Challenges in Multifamily Leasing(07:24) - Leveraging AI in Real Estate(15:11) - Feature | Berkadia's BeEngaged - Learn more: Ecosystem of founders, industry professionals, and capital providers dedicated to redefining the Commercial Real Estate space.(16:47) - Reffie's Business Model(28:50) - State of the Housing Market(33:52) - Feature | CREtech NY Conference & Expo - Sign Up: Tangent listeners get a 20% discount using code PARTNERTANGENT20 at checkout.(35:24) - Rental Trends & Amenities(39:07) - Collaboration Superpower: Taylor Swift

Abraham Gray, a transformative force in both entrepreneurship and poker, joins us to share his remarkable journey of founding over 100 businesses while mastering the art of private money lending. From his formative years in Miami, where he discovered his entrepreneurial spirit at 15, to transitioning from high-stakes poker to business, Abraham's story is a testament to resilience and ingenuity. This episode uncovers his ties to Buckhead, Atlanta, and his knack for identifying and capitalizing on emerging trends, revealing how early ventures in sports cards and Beanie Babies paved the way for more sophisticated business pursuits.   Listeners will gain a wealth of entrepreneurial insights as Abraham discusses how he scaled innovative ventures like escape rooms and axe throwing, leveraging a network of creative collaborators to stay ahead of market trends. His strategic mind shines through in his real estate journey, as he shares how he amassed wealth through baseball card sales by 19 and reinvested in real estate and lending. Abraham offers a deep dive into the world of real estate investing, detailing his approach to creative financing, cost segregation depreciation, and the benefits of operating under Georgia's conducive foreclosure laws.   The conversation doesn't stop there. Abraham opens up about the strategies behind scaling home service businesses and real estate flips, emphasizing the essential nature of trades like plumbing and roofing. He shares his hands-on experience managing a diversified portfolio and adapting to market shifts with astute business structuring. Whether you're an aspiring entrepreneur, a seasoned investor, or simply curious about the intersection of poker and business, this episode promises an enlightening and practical roadmap for success in the entrepreneurial world.   CHAPTERS    (00:00) - Entrepreneur Shares Secrets for Success (04:14) - From Sports Cards to Beanie Babies (10:27) - Discovering Trends to Scale Businesses (19:25) - Real Estate Investing and Tax Strategies (29:17) - Scaling Home Service Businesses (34:45) - Real Estate Investing Strategies and Portfolio (43:04) - Real Estate Lending and Foreclosure Strategies"  

Neil Odom-Haslett, Head of Private Credit and Commercial Real Estate Lending at abrdn, joins our hosts to explore the realm of investment grade private credit, including both corporate credit and commercial real estate debt. Neil also discusses his professional journey and how ESG factors into abrdn's investment thesis.   More S&P Global Content: ·       The capital markets' most complex problems, solved. Credits: ·       Host/Author: Chris Sparenberg, Jocelyn Lewis ·       Guests: Neil Odom-Haslett, abrdn ·       Producer: Georgina Lee www.spglobal.com

It's a loan officer roundtable with the top producing commercial real estate bankers with RECA. The Real Estate Capital Alliance (RECA) was formed by a group of boutique real estate capital advisory firms with offices in major metropolitan markets and clients across the U.S. Collectively, the group consisting of 18 member firms and more than 85 originators have collectively sourced over $40 billion in debt and equity since the Alliance was formed. Do you want to know how to finance your industrial building? Call a RECA loan officer. How about getting a second opinion on how to structure a multifamily transaction? Call a RECA loan officer. They have provide good advice. To contact a RECA member: reca.us To contact Scott Duntley: scott@balboafinancial.com To contact Scott Lynn: scott@cacherc.com To contact: Andrew Kaeyer: akaeyer@hunnemanre.com Are you interested in learning more about how Multifamily Syndications work? Please visit www.spiadvisory.com to learn more about Michael Becker's Real Estate Syndication business with SPI Advisory. If you enjoyed this discussion; Please leave us a 5-STAR RATING on iTunes.

Remen Okoruwa is a former strategy consultant and product manager, and now Co-founder and CEO at Propexo. His company helps property owners, operators, and proptech companies deliver better resident experiences through the power of data. Propexo provides tools for connecting property management software with other technology in a streamlined way. Propexo is a customer-centric organization that focuses on data strategies that delight residents, improve NOI, and make Multifamily real estate a better place for everyone.(2:06) - Remen's & Propexo's origin story(4:47) - Building the Plaid for Proptech(8:32) - State of Propexo today(12:02) - Propexo's model & ROI in Multifamily(16:04) - Serving diverse use cases & customer base(17:22) - Feature | Berkadia's BeEngaged - Learn more: Ecosystem of founders, industry professionals, and capital providers dedicated to redefining the commercial real estate space.(18:59) - How Proptech VC looks at integratability(24:26) - Building a collaborative & customer-centric product road map(26:54) - RealPage v. US Justice Department(29:27) - Feature | CREtech NY Conference & Expo - Sign Up: Tangent listeners get a 20% discount using code PARTNERTANGENT20 at checkout.(33:42) - Collaboration Superpower: Cyrus the Great (Wiki)

Anne Davlin discusses the current state of lending to the commercial real estate sector in the Fifth District, including the challenges faced by office building and multiunit housing developers and the ensuing risks posed to their lenders. Davlin is a senior quantitative analyst in the Richmond Fed's Supervision, Regulation and Credit department. Full transcript and related links: https://www.richmondfed.org/podcasts/speaking_of_the_economy/2024/speaking_2024_10_09_commercial_real_estate

Bryce Nyberg is the VP, Corporate Development at Berkadia and the Head of BeEngaged. Bryce focuses on advancing innovation in our industry through BeEngaged, partnerships, investments, and acquisitions. His influence in and out of Berkadia, business acumen, and effective program leadership skills lead to remarkable outcomes for the organizations he works with. Startups that have gone through BeEngaged include Esusu, Propexo, Rabbet, Market Stadium, Symmetre, Reffie and Embue.(2:00) - What is Berkadia's BeEngaged(6:58) - What startups are ideal candidates for the program(11:13) - Real Estate no longer a tech laggard?(14:56) - Feature | Berkadia's BeEngaged - Learn more: Ecosystem of founders, industry professionals, and capital providers dedicated to redefining the commercial real estate space.(16:33) - Berkadia's BeEngaged's case studies(21:12) - Feature | CREtech NY Conference & Expo - Learn more: Tangent listeners get a 20% discount using code PARTNERTANGENT20 at checkout.(22:45) - Role of collaboration & integration in the Proptech ecosystem(28:16) - Collaboration Superpower: Warren Buffett (Chairperson of Berkshire Hathaway)

In this episode, the Criterion team sits down with Chris Odom from Mabrey Bank to discuss the state of commercial real estate lending, the impact of changing interest rates, and how to position deals for success in 2024. YouTube Time Stamps: 0:00 - Introduction 0:13 - Successful Callaway Deal: 40%+ IRR 1:06 - Special Guest: Chris Odom from Mabrey Bank 2:02 - Current State of Commercial Lending 4:45 - Construction Projects and Market Trends 8:06 - Evaluating Deals with Debt Yield 14:20 - First-Time Commercial Borrowers: Tips and Insights 18:59 - Key Asset Classes in Commercial Real Estate Today 20:33 - Mabrey Bank's Lending Criteria and Services *Be Sure to check us out on Spotify and Apple Podcasts for the Audio version of today's episode!** https://open.spotify.com/show/08KmNvqGV5HjmHUC8fLuce https://podcasts.apple.com/us/podcast/how-to-invest-in-commercial-real-estate/id1543470290 Leave a review and win FREE MERCH! https://maps.app.goo.gl/QaaSZnQVWre1HUMH6 Links mentioned in this episode: www.TheCriterionFund.com www.HowToInvestInCRE.TV Invest.HowToInvestInCRE.com To sign up for our exclusive investor list, click below. https://www.thecriterionfund.com/join-our-investor-list CommercialRealEstate #CRE #RealEstateInvesting #CommercialLending #RealEstateLoans #DebtYield #PropertyInvestment #InterestRates #CREOpportunities #InvestmentStrategies #PassiveIncome #WealthBuilding #Banking #RealEstatePodcast #MabreyBank

Garrett Keillor is the CEO and founder of Lenders Academy as well as a managing partner of Keillor Capital, a Hard Money and Private Equity Lender based in Southern California. Keillor Capital has directed over a billion in debt transactions across residential transactions. Learn more about Garrett and the Lenders Academy here: https://www.linkedin.com/in/garrett-keillor-43328489/ https://www.facebook.com/garrett.keillor.92 lendersacademy.io Get your LinkedIn Profile Optimized with my FREE "Perfect Profile Infographic" here: https://networkacademy.kartra.com/page/OptimizeLinkedin

Banks that loaned money for commercial real estate ventures may be feeling the pinch, as many offices and business spaces continue to sit vacant in the wake of COVID-19. A period of rising interest rates has added to these concerns. We talk to GAO…

Text us your ideas or thoughts on this episode!What if leveraging student loans could be your ticket to a flourishing real estate career? Join us as we chat with Kevin from Pine Financial about his unconventional journey from the Army to becoming a real estate lending powerhouse. Kevin reveals how his unique methods and strategic thinking helped him build an impressive property portfolio, providing listeners with actionable insights and tips for navigating the real estate financing landscape.Curious about transitioning from local investments to nationwide opportunities? Kevin sheds light on the critical differences between residential and commercial ventures, highlighting the importance of trust and relationships in real estate. Discover how Pine Financial stands apart with their specialized loans for fix-and-flip projects, BRRRR strategies, and commercial repositioning, and why Minnesota is a key location in Kevin's investment strategy.Ever wondered how interest rates impact the housing market? Kevin breaks it down, dispelling myths and providing a comprehensive analysis of mortgage rates and their real-world implications. Tune in to hear Kevin's experiences during the 2020 mass unemployment, the resilience of the real estate market through the pandemic, and his practical advice on building credibility, raising funds, and continually learning in the financial world. Don't miss this episode brimming with expertise and invaluable lessons for both new and seasoned investors!Chapter Timestamps(00:03) - Real Estate Investing Success Story(08:13) - Diverse Real Estate Investment Strategies(13:47) - The Impact of Interest Rates(20:39) - Real Estate Lending Distinctions and Strategies(31:06) - Building Credibility and Raising Money(41:26) - Real Estate Investment Fund Structures(49:10) - Real Estate Investment Book Recommendations(57:56) - Continual Learning in Financial WorldHighlight Timestamps(00:37 - 01:20) Show Setup and Pine Financial Introduction (44 Seconds)(15:14 - 15:43) Affordability and Location Preferences (28 Seconds)(17:17 - 18:16) Understanding Interest Rates and Mortgages (59 Seconds)(24:31 - 24:58) Property Value-Add Investment Strategy (27 Seconds)(33:17 - 34:29) Building Credibility for Real Estate Investment (72 Seconds)(39:43 - 40:38) Building Credibility for Sales Success (56 Seconds)(46:58 - 48:35) Real Estate Loan Differences and Memories (97 Seconds)(53:51 - 54:40) Podcast Guest Experience & Book Promotion (49 Seconds)(58:08 - 58:32) Financial Gurus on Buying Strategy (24 Seconds)Kevin's Bio:https://pinefinancialgroup.com/our-team/kevin-amolsch/Link to Kevin's books:https://www.amazon.com/stores/Kevin-Amolsch/author/B01COR8670?ref=sr_ntt_srch_lnk_1&qid=1721238784&sr=8-1&isDramIntegrated=true&shoppingPortalEnabled=trueLink to lending site:https://pinefinancialgroup.com/Real Estate Investing, Kevin, Pine Financial, Property Investments, Innovative Strategies, Fix-and-Flip, BRRRR, Commercial Repositioning, Traditional Banks, Nationwide, Residential, Commercial, Risk Factors, Lease Cycles, Valuation Dynamics, Relationships, Trust, Minnesota, Interest Rates, Housing Market, Mortgage Rates, Federal Reserve, Economic Downturns, COVID-19 Pandemic, Credibility, Raising Funds, Financial World, Investment Funds, SEC Regulations, Diversification, Real Estate Education, Rich Dad Poor Dad, Fund

Welcome to a new episode of Get Creative! In this episode, we dive into the world of real estate lending with our special guest, Paul M. Lutter. Paul, a seasoned investor from Texas, shares his journey from healthcare to becoming a successful private lender. Discover how leveraging relationships and community can lead to amazing deals and financial freedom. Tune in for practical advice, inspiring stories, and valuable insights to help you navigate your own real estate ventures.   Highlights: "The deals are always going to be there. If you are a motivated lender, you're gonna set yourself up for failure. Don't be in a rush to do a bad deal."   "In business, just like in healthcare, the same concept applies: connect with people, meet their needs, and listen."   "We said, 'Where do we want to be at this stage of our life?' For us, staying in lending was better for our lifestyle and being present as a family."   Timestamps:   00:00 - Welcome to Get Creative Podcast 05:00 - Paul's Journey into Real Estate Lending 07:16 - Cross Collateralizing for Security 08:03 - The Deal That Went Perfectly 10:21 - Overcoming Obstacles in Deals 15:48 - Utilizing IRA LLCs for Quick Funding 18:54 - Advice for Newcomers to Gator and Sub-To 20:31 - Personal Growth Through Real Estate Communities 23:39 - Finding Your Avatar in Real Estate 29:51 - Balancing Family and Business   ► Join The Subto Community & Learn Creative Finance Directly from Pace:  https://paceapproves.com/subto-gc  ► Want to Become a Private Money Lender? Join Us For The Upcoming LIVE Training this Saturday to Learn How to Lend Money on Real Estate Deals: http://joingatortribe.com/yt    ► Join Our Free Facebook Group to Connect with Pace and his Students: https://paceapproves.com/freefb-yt    ► Become a Top Tier Transaction Coordinator and Make Money Doing The Paperwork For Real Estate Transactions: https://paceapproves.com/tttc-gc    ► Listen To Pace and His Students Share Insider Secrets To Real Estate Investor Success: https://getcreativepodcast.com/    PLUG IN & SUBSCRIBE Instagram: https://www.instagram.com/pacemorby/  TikTok: https://www.tiktok.com/@pacemorby 

Last month, Goldman Sachs announced it closed a new real estate credit fund, capable of handing out more than $1.7 billion. And with regional banks and other financial institutions reeling back their exposure to commercial real estate, Goldman Sachs sees this as the perfect time to get in on the action. Deconstruct chatted with Goldman Sachs' co-head of alternative capital formation, Jeff Fine, what asset classes it's excited about and the opportunity for private credit in real estate.

On today's Wholesale Hotline Podcast (Subto Edition), join Pace Morby as he teaches Nathan how to become a Gator within 90 days. Show notes -- in this episode we'll cover: Over the next 90 days, Pace Morby is helping a brand new Gator build a successful Gator lending business with specific actionable steps. Pace walks him through the first few steps he will take to set himself and his business up for success. Nathan, the new Gator, will dedicate a couple of hours a day over the next 90 days to connecting with people, learning the Gator Method, and documenting exactly what he does to find deals. In this first episode, Pace lays out what Nathan will be doing in his first two days, such as setting his LLC up and creating a new LLC email address. Everything will be recorded and put in the private Gator community, but only a few episodes will be uploaded here on the podcast. The best and safest way to find and actually do deals is by being in the private Gator group on Facebook.   ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ ☎️ Welcome to Wholesale Hotline & Subto Breakout✌️✌️! ☎️ Need discounts and free trials!? Check this out for the softwares/websites/contracts/scripts/etc we use in our business: ✌️ https://shor.by/pace-youtube ✌️ ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖

CRA lending is undergoing a massive change. Find out what one experienced investor thinks about it.

We're joined today by Martin Barnwell, who's the investment director on the commercial real estate lending team at abrdn

A long career as an investor creates expertise you can leverage as you pursue new investments. However, it can also lead to discovering new interests and challenges inside the investing world. On this episode of Zen and the Art of Real Estate Investing, Jonathan interviews Kevin Amolsch, president of Pine Financial Group in Colorado. Kevin is a premier hard money lender in four states with more than 20 years of experience as an investor and 16 years as a lender. Additionally, Kevin is an author and podcast host. Kevin outlines how he began his investing career after renting out some rooms in his home while in the military. At 23, he recognized that real estate could make him wealthy. The conversation continues with his foray into foreclosures, Kevin's commitment to implementing the lessons he learns from reading about real estate, his ability to hyperfocus, and why he began lending as another aspect of his real estate career. Jonathan and Kevin explore debt funds and why they can be a good option for investors outside of traditional real estate, the impact of Kevin's mindset on success, taking control of “shiny object syndrome,” and how private lenders are meeting the demand for lending as banks tighten up lending guidelines. Kevin Amolsch attributes much of his success to his mindset, ability to focus, and a voracious appetite for learning. In this episode, you will hear: How renting out some rooms in his home led Kevin Amolsch to become a real estate investor Kevin's foray into foreclosure investments and what he learned from his first attempt The one thing successful people have in common His commitment to implementing one thing he learned from each book he read before moving on to another book The benefits of hyperfocus at the beginning of an investing career Kevin's shift into lending and why he focuses on private lending What debt funds are and why they're a good option for investors outside of traditional real estate investing What Kevin does to keep his mindset on track to grow as a lender and investor The investments he doesn't like and what he's trying now Controlling “shiny object syndrome” Kevin's focus on syndications and why he's still buying investment properties Creative transactions in commercial real estate How private lenders are meeting the demand for lending as banks tighten up guidelines Kevin Amolsch's advice to new real estate investors Follow and Review: We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. If you enjoyed this episode, we've created a PDF that has all of the key information for you from the episode. Just go to the episode page at http://www.trustgreene.com/podcast/zen/110 to download it. Supporting Resources: Visit Pine Financial Group's website - pinefinancialgroup.com Find Pine Financial on YouTube - www.youtube.com/channel/UCxarTu7hIVzhQpcLdEEzMhA Pine Financial's Facebook page - www.facebook.com/PineFinancial Follow Pine Financial on Instagram - www.instagram.com/pinefinancial Connect with Kevin Amolsch on LinkedIn - www.linkedin.com/in/kevinamolsch Get Kevin's Fund Your Flip book - www.amazon.com/dp/B0CMZXBR3Q Website - www.streamlined.properties YouTube - www.youtube.com/c/JonathanGreeneRE/videos Instagram - www.instagram.com/trustgreene Instagram - www.instagram.com/streamlinedproperties TikTok - www.tiktok.com/@trustgreene Zillow - https://www.zillow.com/profile/StreamlinedReal Bigger Pockets - www.biggerpockets.com/users/TrustGreene Facebook - www.facebook.com/streamlinedproperties Email - info@streamlined.properties Episode Credits: If you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.

Brendan Kolesar is back on the show to unravel the intricacies of the latest lending guideline updates in the real estate industry. Seamlessly navigate through these changes and fine-tune your strategies to achieve unparalleled success in today's dynamic market!   WHAT YOU'LL LEARN FROM THIS EPISODE Adjustments in Freddie Mac and Fannie Mae guidelines  Pros and cons of leveraging DSCR loans How investors may be affected by lending guideline adjustments  What to expect with the Fannie Mae standards on investment properties    RESOURCES MENTIONED IN THIS EPISODE Fannie Mae  Freddie Mac    ABOUT BRENDAN KOLESAR Brendan Kolesar brings over 15 years of experience as a Loan Originator and Regional Vice President at Cherry Creek Mortgage. He is dedicated to ensuring a stress-free financing experience for his clients while aiming for the best possible results. Brendan firmly believes in the importance of transparency and responsiveness in his interactions with his clients and vertical partners. He considers these two principles the cornerstones of his approach, recognizing that by prioritizing transparency and being responsive to their needs, everything else naturally falls into alignment.   Brendan is also the leader of The Kolesar Team. Beyond his professional role, Brendan is a devoted husband and father of two.    CONNECT WITH BRENDAN Website: The Kolesar Team LinkedIn: Brendan Kolesar   CONNECT WITH US: If you need help with anything in real estate, please email invest@rpcinvest.com Reach Ron: RP Capital Leave podcast reviews and topic suggestions: iTunes Subscribe and get additional info: Get Real Estate Success Facebook Group: Cash Flow Property Facebook Community Get the latest trends and insights: RP Capital Newsletter

Join us we delve into the intricate world of commercial real estate lending with Dan Zlaket, VP of Sales at Integrity Capital. With over 20 years of experience, Dan shares invaluable insights on navigating potential landmines when acquiring your first asset.Whether you're a seasoned investor or just starting, Dan guides you through the process and emphasizes strategic structuring, relationship alignment, and exceptional follow-through. Tune in for expert advice on financing apartments, industrial, and multi/single-tenant retail projects. Don't miss this episode for a comprehensive understanding of commercial real estate lending and how to make informed decisions.Website : https://www.integrity-capital.com/Follow us on social media@redseacapitalgroup'Give us a rating on Apple Podcasts here: https://podcasts.apple.com/us/podcast...Visit our website: www.redseacapitalgroup.com

Ben Miller is the co-founder and CEO of Fundrise, the largest direct-to-consumer alternative asset manager in the US. Under his leadership, Fundrise has grown to over 2 million active users and over $3 billion in real estate private equity, private credit, and growth-stage venture capital. Ben also serves as Chairman of the Board of three publicly-registered investment companies and, during his 25-year career, has acquired more than $8 billion of real estate assets, including 37,000 residential units and 5 million square feet of industrial and commercial space. (00:26) - Fundrise's journey to revolutionizing private market investing(8:13) - Benefits of end-to-end platform experience(12:49) - Growth-stage Venture Capital fund (Part I)(15:43) - Real Estate investment strategy(19:20) - Feature: Housing Trust SV (site) - Housing finance & public-private partnerships to create more equitable & affordable communities(20:31) - AI impact on Commercial Real Estate(28:14) - Macro trends impacting Real Estate(29:46) - Economy outlook for 2024(35:24) - Growth-stage Venture Capital fund (Part II)(46:25) - Long-term vs. short-term lessons(48:59) - Collaboration Superpower: Alexander Hamilton

In late July 2023, US banking agencies released proposals to significantly revise the risk-based regulatory capital requirements for certain midsize and larger US banking organizations. These proposals would have a critical impact on the banking industry, as the amount of capital a bank must maintain with respect to any particular loan, investment or activity is typically a significant—if not the most significant—factor in determining whether an activity is profitable, or even feasible. The proposals are not “capital neutral,” and may increase the capital charge for several aspects of the commercial real estate finance sector. Please join Mayer Brown partners Eric Reilly, Miller Smith, and Matthew Bisanz for an in-depth discussion of the proposed requirements and what they mean for CRE.

Get ready to demystify the intricate world of commercial real estate with our esteemed guest, Brian Bailey, a highly-regarded authority and senior policy advisor at the Federal Reserve Bank of Atlanta. In this enlightening episode, we navigate the dynamic landscape of real estate values, banking health, and the transformative power of population shifts.Brian's extensive experience in finance, development, and private equity provides an invaluable backdrop as we explore the evolving real estate markets. We debunk common misconceptions about Brian's views, making a clear distinction between personal insights and official stances.Taking the pulse of the economy, we delve into the current headwinds and tailwinds, scrutinize the complexity of appraising commercial real estate values, and discuss the implications of escalating lending rates. We tackle the pressing issue of an oversupply of luxury multifamily units versus a scarcity of workforce and affordable housing options.As we chart the course of the banking sector's health, we shed light on recent regulatory changes that investors and operators need to be aware of. We also examine the impact of the remote work trend on office spaces, and reflect on the often-undervalued significance of knowledge transmission in our society.Prepare for a thought-provoking journey packed with professional insights and advice in this episode. Keywords: commercial real estate, real estate values, banking institutions, finance, development, private equity, population shifts, economy, lending rates, luxury multifamily units, workforce housing, affordable housing, regulatory amendments, remote work, office spaces, knowledge transmission.Don't let the conversation end here! Connect with Brian Bailey on LinkedIn for a deeper dive into his expertise in commercial real estate. His profile is brimming with invaluable insights and knowledge that you don't want to miss. Also, make sure to visit his website where you'll find an extensive array of resources and thought-provoking content about finance, development, and private equity. http://atlantafed.org https://www.linkedin.com/in/brian-bailey-ccim-cre-1a73888/ VISIT OUR WEBSITEhttps://lifebridgecapital.com/Here are ways you can work with us here at Life Bridge Capital:⚡️START INVESTING TODAY: If you think that real estate syndication may be right for you, contact us today to learn more about our current investment opportunities: https://lifebridgecapital.com/investwithlbc⚡️Watch on YouTube: https://www.youtube.com/@TheRealEstateSyndicationShow

Brittney Fairweather is the Chief Business Development Officer at TRX Capital, a real estate lending firm focused on Business Purpose Lending. Brittney manages overall growth, strategy, and client-facing communications at the firm. She has extensive experience in residential loan origination, investor relations, Fund management, sales, and business development.Main point:How did you get your start in Real Estate?How to use leverage to build wealthHow to succeed as a woman in a male dominated industryHow to juggle being a mom and having a careerHow she is revolutionizing the lending industry with TRX CapitalWhat does it take to be more than just a private lenderWhat is your journey to founder looked like?Connect with Brittney Fairweatheré:brittney@trxcapfund.comhttps://www.linkedin.com/in/brittney-fairweather-b6544813/https://www.trxcapfund.com/

As the economy shifts, and interest rates rise, there's an extraordinary opportunity right now for lenders who pay attention and lean in.Today we get to sit down with Warren de Haan, Founder, Managing Partner, and CEO at ACORE Capital. ACORE is one of the largest credit managers focused on commercial real estate lending, with approximately $20 billion of assets under management for the past three years.ACORE originates, acquires and manages first mortgages, bnot, mezzanine, debt, and preferred equity throughout the us. They are ranked in the top 20 of the Real Estate Debt 50, according to private equity real estate, the leading industry trade publication for real estate fund and investment managers. Since its inception in 2015, ACORE has closed almost 500 transactions worth almost $40 billion. Prior to ACORE, Warren held C-Suite leadership positions in the commercial real estate finance industry, and capital markets, including Starwood Property Trust, Countrywide Commercial Real Estate Finance, and Coastal Capital Partners.For the past 6 years, The Commercial Observer has ranked Warren in the top 15 of their annual listing of the 50 most important figures of commercial real estate finance.Highlights: Warren describes his path to the hospitality industry, and what drew him to it (3:16) Warren discusses how the economic climate influenced the buildup to founding ACORE (3:57) The commercial real estate debt market and its current addressable market (6:44) How ACORE scales their business while assuring 'white glove service' to their customers (8:15) Warren describes how the company handles ever-changing regulations and political interference (15:22) How Warren approaches and resolves the complexity, and risk factors in the field (18:22) Warren describes where the opportunity lies in different parts of the real estate market (22:13) The change in capital spending and loan status over time, and the state of the current market (25:18) Warren gives his theory on why businesses should pinpoint their focus on credit (28:11) ACORE's short-term and long-term goals for the future (30:50) Links:ICR LinkedInICR TwitterICR WebsiteWarren de Haan on LinkedInACORE Capital on LinkedInACORE Capital WebsiteFeedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, marion@lowerstreet.co.

Total Quality LendingChris' Instagram AccountTotal Quality Lending Instagram Account 00:00  FHA Loans and Real Estate: How Chris Paliska's Life Was Changed 04:16  The Journey to Success: From Valeting Cars to VP of Southern California 08:39  Creating Balance: How Real Estate Saved Me From Debt and Stress 13:12  Real Estate Saved My Life: A Journey From Seven Figure Salary to Business Owner 17:38  Money Can Buy Happiness - The Benefits of Financial Investment and Real Estate Lending in Obtaining Financial Freedom. 22:13  Cash Flowing Property: Using the FHA Loan to Grow Your Portfolio 26:33  The Opportunity of High Interest Rates in Real Estate Investment Markets 30:57  Gaining Financial Benefits from Real Estate Investments and Ownership 35:15  Building Wealth Through Homeownership: A Guide to Become a Smart Dadpreneur 39:46  Walking in Faith and Leveraging Real Estate for Kingdom Influence  Are you ready to break into commercial real estate investing? Are you looking for a christian community of peers and mentors to help you move quickly while avoiding expensive mistakes? If so, apply to be part of the Kingdom REI Mastermind! Click here to learn more. 

Timothy Swanson is the President & CEO of Inherent L3C, a Chicago-based low profit LLC focused on enabling and empowering long term affordable homeownership and generational wealth creation through modular housing development, workforce platform and a smart home marketplace for future homeowners.

On this episode of REI Mastermind Network, host Jack Hoss is joined by guest Edward Brown to discuss a variety of topics related to real estate investing. Brown shares how his company handles construction loans and has separate divisions for temporary loans and buying discounted notes. He also emphasizes the importance of asking about potential risks before investing and recommends focusing on low-risk and conservative investments. Brown also shares his experiences with individual deeds of trust and advises against investing in fractionalized deeds unless certain conditions are met. Additionally, Brown discusses the potential risks of loan investments in a market crash and the importance of evaluating the client's story, experience, and exit strategy for loan applications. Overall, this episode provides valuable insights into the world of real estate investing.

Get the chance to discover a state-of-the-art platform that revolutionizes commercial real estate lending today with Mitch Ginsberg. Check this episode out to hear the features that make this lending marketplace superior and its process of connecting investors to the best lenders and capital markets. Technology and real estate are a power duo!Key Takeaways to Listen for Upsides of processing your loan applications onlineA walk-through of the primary service offered by CommLoanHow CommLoan assists borrowers within the loan periodPersonal viewpoint on the status of the commercial real estate3-ingredient recipe that will lead to business successResources Mentioned in This EpisodeArthur Young & Co.Brevitest Technologies Free Apartment Syndication Due Diligence Checklist for Passive InvestorUse CommLoan's FREE Commercial Mortgage Calculator to calculate the details of a commercial mortgage with efficiency and without hassle by going to https://www.commloan.com/commercial-mortgages/calculator About Mitch GinsbergBorn and raised in South Africa, Mitch holds a bachelor's degree in accounting and a master's in finance. Following his CPA qualification, he kick-started his career with Arthur Young and later Levinthal & Horwath. After 25 years in the business, Mitch built a residential mortgage bank that funded billions in loans in five western states. He exited residential lending after the 2008 economic collapse. After his exposure to the arduousness of obtaining commercial mortgages, Mitch recognized a problem that needed to be solved. Right then, he resolved to craft a platform that would give borrowers more control and revolutionize the process of obtaining commercial and multifamily financing. With the help of an expert development team, he was able to make his vision a reality - the CommLoan platform (CUPID™)Connect with MitchWebsite: CommLoanLinkedIn: Mitch Ginsberg | CommLoanFacebook: CommLoanInstagram: @commloanTo Connect With UsPlease visit our website: www.bonavestcapital.com, and please click here, to leave a rating and review!SponsorsGrow Your Show, LLCThinking About Creating and Growing Your Own Podcast But Not Sure Where To Start?Visit GrowYourShow.com and Schedule a call with Adam A. Adams

Today's guest is Vernon Beckford    Vernon is the CEO of Diversified Lending Solutions, a capital advisory firm that offers loans to small to medium-sized real estate companies. He has 15 years of experience in investment management and a background in tech and commercial real estate. -------------------------------------------------------------- Introduction [00:00:00] Guest's background [00:00:37] Similarities and differences between distressed mortgages and today's market [00:07:45] Poor Underwriting and Quiet Pain in the Market [00:08:48] Types of Deals and Alternative Sources of Capital [00:11:01] Lending on Earnest Money Deposits and Risk Mitigation [00:13:54] Reducing Risk [00:18:27] Unnecessary Information [00:19:18] Contact Information [00:22:03] -------------------------------------------------------------- Connect with Vernon:  Linkedin: https://www.linkedin.com/in/vernon-beckford-77ba17/ Web: https://www.dlsloans.com/   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Vernon Beckford (00:00:00) - I, I think there's a lot of quiet pain in the market. There are a lot of folks, I think, especially within the syndicator community, that didn't overcapitalize their deals. So if you're now in a position where you're going back to a lender and they're saying, Hey, we need to b you to buy new interest rate cap, but we need you to replenish an interest reserve, and you don't have millions of dollars just sitting on, on the sidelines, that becomes a very, very difficult conversation.   Intro (00:00:24) - Welcome to the How to Scale commercial real Estate show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:37) - Vernon Beckford is the c e o of Diversified Lending Solutions, a capital advisory firm that offers loans to small and medium sized real estate companies. Vernon, welcome to the show.   Vernon Beckford (00:00:48) - Great to be here, Sam. Thanks for having me.   Sam Wilson (00:00:49) - Absolutely. Vernon, there are three questions I ask every guest who comes in the show in 90 seconds or less. Can you tell me where did you start? Where are you now, and how did you get there?   Vernon Beckford (00:00:57) - Sure. Where did I start? Uh, I started, uh, in investment banking. Um, in, you know, in, in, in how I got there. Uh, I was studying entrepreneurship in high school. That motivated me to apply to Columbia University where, uh, I graduated. And during that process, uh, I fell in love with the idea of learning about business and banking seemed like a great place for me to, uh, cut my teeth.   Sam Wilson (00:01:27) - That's awesome. And have you been in the banking sector from I guess that point all the way until now?   Vernon Beckford (00:01:33) - No. So I was fortunate or, or unfortunate enough to, to go through the great financial crisis. So when I came out, the market was as hot as you could a minute, and walking around as a banker was the coolest thing you could be doing in New York City. Um, and then, uh, you know, by 2008, uh, when the market exploded, I'm still relatively young in my career. Uh, and, and, and that kind of set everything on a different trajectory. So had I been a little bit earlier, a little bit later, I may have stayed, but that was really one of the, uh, the pivot points. And from that point, um, I did a whole host of things in commercial real estate, but that was, that was the first chapter.   Sam Wilson (00:02:12) - Got it. What'd you move into in commercial real estate and how did you discover opportunity in the midst of the 2008, 2009 crisis?   Vernon Beckford (00:02:20) - Su it's such a good question. So  at the time, uh, and it, it, it's, you know, it, you look back and it was a crazy time. There were so many loans that had exploded, right? Yeah. That there was an instant overnight opportunity, which was how do you work out these loans? How do you potentially buy them? How do you re use that as a way to get into real estate? So I started a company that basically helped large investors evaluate these large pools of defaulted mortgages. And as you'd imagine, there was, uh, a lot of distress. And so I learned a ton. And that was a really, actually, actually fun time because you have to be creative to think about how you can actually spot the opportunity in those investments. I then got hired off by a company called CW Capital, which is one of the largest, uh, special servicers in the country. And special servicers do what? They take these defaulted loans and they figure out a way to work them through the system. So even though I left working at a bank, uh, my role was still very much in the financial service industry and in the capital markets. And then it just developed from there.   Sam Wilson (00:03:27) - Man, that's really, really cool. So you figured out a way to evaluate the stressed mortgages. I'd love maybe, you know, as we get into more of this show, hear kind of how you've taken that experience and you're comparing some of those markers that you saw in those defaulted mortgages to the things you're looking at today   Vernon Beckford (00:03:46) - And see if there's   Sam Wilson (00:03:46) - Sure. Any correlation on that front. But what was the next step? I mean, now you're, now you're lending to medium, small to medium sized real estate, um, companies. Yep. So what, what is that business today and what, and why, I guess, you know, did you see, did you see the opportunity in this?   Vernon Beckford (00:04:03) - Yeah, so, so in the midst of me doing all of the very big corporate stuff, I, I, I noticed what I felt to be a really troubling trend, which was every time I wanted to go off and do a small deal by myself or with my buddies and get financing or funding, it felt like it was like moving mountains. It, it was always, uh, an issue. And as I went through my corporate background and was working on these big financings, I mean, after the distress, I worked at a big investment shop and we were doing all this really cool stuff, but it was always involved in really big transac transactions that helped big firms get bigger. Right? And it felt like once you went back to the small balance space, those opportunities and that transparency wasn't there. The pricing was, was all over the place. There were a bunch of sketchy actors you never knew really who you should be transacting with. So I launched the company Diversified Lending Solutions along my business partner. Cause we wanted to bring that institutional quality to what is just a much more fragmented space and help small operators get the financing they need to grow so that they can be institutional 10, 15 years from now.   Sam Wilson (00:05:12) - Right, right. I mean, I've heard it said a hundred times over that, you know, the, the, uh, the bigger, the bigger deals are just as, just as much and or easier. Um, I guess on the work side of things, uh, you know, as it is the, the really small ones, like you can do a 50 million deal and instead it's the same end or less work than a $500,000 deal.   Vernon Beckford (00:05:30) - Yes. And what I, what I would say is what drives me nuts is where you see, uh, a hardworking, smart, industrious entrepreneur who is just bootstrapping their way one deal at a time to get a little bit bigger. And you said if that person had the right support financially to help them grow faster, there's no reason they couldn't own exponentially more. Right. Whether that be from going from two to four units to buying their 2050 a 200 unit multifamily.   Sam Wilson (00:05:59) - I, I would, I would imagine from just a size of the pie, um, perspective that the reason that big institutions do big deals is cuz there's a lot of money to be made on 'em. And the reasons they don't do small deals is cuz there's not a lot of money to be made on 'em. How do you overcome that challenge?   Vernon Beckford (00:06:17) - Absolutely. So that's spot on. So the way you overcome that obstacle is you have to get as big as you can, as quickly as you can. Mm-hmm. . So for folks, I think the mentality is typically I'm not, I'm not experienced enough yet to do a bigger deal or I don't have enough capital to do a bigger deal, as opposed to are there ways that we can reframe or reposition you to make you attractive to a capital source that will provide you with capital to do a bigger deal. And so from our vantage point, our goal is not to help small guys stay small. Our goal is to help someone who's small, but has all the right endowments to do bigger deals faster.   Sam Wilson (00:06:56) - Got it. I like that. I like that, uh, that, that niche you found. Cuz it is, I mean as you know, I'm, I'm preaching to the, to the man that already knows, but you know that there's a need there. Uh, I've experienced it certainly, uh, starting out where it's like, oh my gosh, like this seems impossible. Some of these smaller balanced, smaller balanced loans and, and they are, they're just as much work, uh, as some of the bigger stuff that we have. Let's go back to your experience then with that in mind. Looking at the distressed mortgages that, sorry, I'm a hands talker. Um, looking at, at the distress for those you're watching on YouTube, they can't, you know, you, you know what I'm talking about, but if you're listening, you have no idea. Um, but evaluating those distressed mortgages in the, in kind of the markers in the, in the, the hallmarks of why those went into distress compared to what you're seeing today. Any, any, any correlation there?   Vernon Beckford (00:07:45) - Well, the core there, there are a couple very strong similarity and a couple big, you know, um, um, complete binary opposites. What makes them similar? Well, um, if there's stress to the cash flows, right, that's a early indicator that there may be some distress. In today's market, what's driving the stress has been the rapid increase of in interest rates. And so interest rates have gone up so fast, right? That they haven't been able to, they being an operator increase their NOI enough to offset the fact that their borrowing costs are so high and now that their borrowing costs are so high, if they need to go and refinance that property, they're not gonna get nearly as much debt on the property as they would've in the past, which means now they need potentially fresh equity to bring the table. That's a lot of what's driving the distress here in in, in the great financial, uh, crisis.   Vernon Beckford (00:08:48) - A lot of what drove the distress was, I would say poor underwriting. So fundamentally, folks were looking at deals that were being extremely aggressive in their underwriting as, as to what the financial projections of the business plan were. Those plans were not sustainable. And so once it got to a point where that realization was met, of course there, there had to be some, some correction. So I think what makes this cycle a little bit different than that is that the underwriting is far better than it was in the past, right? From the point of view of the lender making the loan. But that doesn't make it life any easier for the operator when now they took out a floating rate loan and now they're borrowing costs of tripled. I mean, so I, I think there's a lot of quiet pain in the market. There are a lot of folks, I think, especially within the syndicator community that didn't overcapitalize their deals. So if you're now in a position where you're going back to a lender and they're saying, Hey, we need to b you to buy new interest rate cap, but we need you to replenish an interest reserve and you don't have millions of dollars just sitting on, on the sidelines, that becomes a very, very difficult conversation.   Sam Wilson (00:09:55) - Yes. Yes, it certainly does. And and do you feel like those, those, um, conversations are being had with a certain, like within a certain loan size or is it just across the board from small to large operators? Like,   Vernon Beckford (00:10:12) - You know, I I tell you, uh, it, it runs the gamut. It really does. I, I was talking to one sponsor, uh, that, uh, owns a, you know, 35 million asset. I was talking to another one that owns a 15 million asset. I was talking another one that owns a $5 million asset mm-hmm. , it, it really runs the spectrum because the, the mechanics of what led to the, to the disconnect are all, are all the same, right? So, so it's just that the magnitude of the problem gets bigger, the bigger the deal you have because you're talking with, you know, bigger numbers. Right,   Sam Wilson (00:10:46) - Right. Yeah. 30 versus 15, bigger, bigger numbers more, uh, more just, yeah. Bigger magnitude on that. Let's talk then about the types of deals that you're getting across the finish line then in today's environment and how you guys are getting it done.   Vernon Beckford (00:11:01) - Sure. Yeah, that's a great question. So it falls within a, I think three or four different types of deals. The one is, uh, traditional debt. How do we get someone a larger loan than they've traditionally gotten in the past? And for us that, that could be a bridge loan, that can be a new construction loan, but that's really in helping frame the operator and the strength of their deal to a new set of lenders that they probably don't have access to. And if they do have access to, they don't know how to speak their language. And so there's a disconnect that prevents them from being able to access that funding. Unfortunately, what we've seen in, in, in the, in the capital markets is with, you know, it feels like another bank is failing every week, but with banks going down, um, they've gotten more defensive.   Vernon Beckford (00:11:48) - And so what that's led to is a preservation of capital, meaning I wanna get repaid on my loans. I don't necessarily wanna put more money out. And so what was, you know, a year ago a great source of debt being the bank sector is now really, really, really difficult to get loans. I mean, those guys are not lending. And so for us, where we've been successful is pivoting and saying, listen, we don't necessarily need to go banking route. We can go to other sources of capital, whether that be a life insurance company, whether that be a debt fund, finding alternative ways and alternative sources of capital when you really can't just take anyone for granted right now. So that's one where, where we're, we're, we're getting deals done, other place we're getting deals done is increasingly in, in restructurings in working with borrowers who are having troubles with their lenders and saying, Hey, let's come in as an intermediary, as a third party.   Vernon Beckford (00:12:42) - We're not emotionally connected to the property, we're not looking at the lenders, the bad guy, and let's come in and try to find a solution that doesn't involve you either having to sell the property when you don't want to or really getting hammered in a way that's gonna prevent you from, from finishing your business plan. So we've been doing, uh, uh, more and more of that in terms of the deal, what I would say, deal formation side. Even though we started our business being a source of debt, what we realized is that folks need a lot of help before they even get to the point they need a loan. So what we started to do is make loans on earnest money deposits. So for instance, if you've got a property and you need to put up an earnest money to get it under control and you don't want to ex fully exhaust your liquidity, we started making loans to, to operators to help them take down those properties. And then the, the other piece of the puzzle is to the extent, because we want you to do bigger deals than you before you needed, uh, to hit certain net worth liquidity thresholds, right? To get a loan, we've started to connect our clients with key principles that step into the deals to help them meet that network liquidity requirement so they can qualify for large loans.   Sam Wilson (00:13:54) - That's really cool. I I like both of those. Let's dig into, I, I've not talked to anyone, at least not recently that I can recall, uh, lending on the earnest money deposit side. How do you guys offset risk on that front without holding the bag for an operator that doesn't get a deal closed or, I mean, that seems like, uh, you know, risky in my opinion. So how do you do that? Well,   Vernon Beckford (00:14:17) - Great question. So it depends, right? Depends. Cuz there're two types of deposits. It could be either a soft earnest money or hard to the extent that it's soft. We feel like that's very, very easy, uh, to underwrite because as long as we have visibility to when the contract, you know, goes hard and we have, uh, you know, uh, assigned the, the money in escrow to a title company we feel comfortable with, then we feel very confident that that that's, that's very easy to underwrite.   Vernon Beckford (00:14:47) - If you're talking about earnest money, you're right, that's a completely different bag because you're now taking the first dollar risk in the deal. And so typical, right? That is very linked to the sponsor. What's their experience? What's their financial strength? Do they have assets at their disposal that represent some multiple to what we're putting up in the EMD so that we have confidence that if for whatever reason they feel so confident that they want to go hard, but they actually don't get it across the finish line, are there other assets at their disposal to help to pay back that loan? So, um, in this market, frankly, we encourage people to the extent possible to, to sign soft, you know, uh, deposits. There was a time, whatever last year where it was like everyone was like, impossible. If I, if I'm gonna get a site, I need to go hard. Now we're in a point where the tide has shifted a little bit. Buyers should be able to recognize they have more leverage, uh, in the negotiations and really po push for soft deposits. Yeah,   Sam Wilson (00:15:46) - Absolutely. Absolutely. Yeah, that, that was gonna be my question is because I think I got a report the other day on the multi-family side of things, transaction volumes down like 70 or 75% year over year. Yep. Just substantial. I mean, yeah, that's not, that's not a 10% decrease. It's a 70% decrease. And so that would seem that it would give people still who are confident enough to make offers a little bit more leverage. Cuz now I mean, that would indicate that for the 10 offers they were getting before, now they're only getting two and a half on those properties at most. Exactly. Exactly. So that's, uh, that's really, really cool. I love hear what you're doing in the space, how you are taking your, your kind of mission it sounds like, is to take that smaller operator and give them, uh, the ladder, if you will, to kind of climb up and do bigger deals over time. What, what are, what, what are some things, I guess as you think about that, that you would say, Hey, here's some things that borrowers need to be doing now, some proactive things they can be doing now. So when they start to have a conversation with yourself that would help kind of expedite this process.   Vernon Beckford (00:16:52) - Yeah, so, so the first thing I would do right, is if you think about the process of going where you are today to where you want to go tomorrow, there are really four, I would say, critical things you need to be doing throughout the process. Um, and, and I say I smile when I say this because I know we all fall in love with our, our deals and, and we've decided that the best things in Slice Brett, but , first thing you, you really gotta do, and this is what we help you with, is do some real litmus testing. So take, take the blinders off that you've fallen in love with it, and let's look at from the point of view of a lender or from an seed investor or a private equity firm, what are the sa the the strengths, weaknesses of this transaction?   Vernon Beckford (00:17:36) - And what is going to prevent somebody else from wanting to invest or support it, right? Mm-hmm.  and, and answer that objectively and, and clearly so you can understand what challenges that you have. The second piece of that puzzle is what I like to call objection smoothing, address objections upfront. Everybody I find leads with why the thing is so great, and then anyone who has a brain starts digging beneath the surface. And that's when deals fall apart, tell me what I should be afraid of and how you're going to resolve it. Mm-hmm. , right? Because that's giving me the sense that you know what you're talking about and you're not just out here buying to buy, but you have a, a philosophy, you have a strategy, and those two things come together on the deal that you're talking about with me right now. After that, I want to focus on what I would call de-risking the deal.   Vernon Beckford (00:18:27) - How do we find a way that regardless of what the deal is, to find ways to reduce my risk, whether it be as a lender or as an investor in the project so that we're not out here, um, exposed when we don't have to be. Right? And then finally, I would say it's thinking through the lens of fact filtering, meaning some people don't share enough information, some people share too much information Hmm. And we wanna find a middle ground where you're sharing enough information that is useful for your investors and your lender to complete the diligence they need to get, feel comfortable in the deal, but you're not inundating them with too much that's either irrelevant or confuses the story or by the point now that you've shared something, they say, oh, well really, I don't like this deal as much as I thought I did because you're giving me new information.   Vernon Beckford (00:19:18) - And we found , I've worked with so many folks that have gotten a deal almost to like the one yard line, and then they shared some information that was completely unnecessary and an investor was like, Nope, I'm out. And, and it was like, if we'd gotten in front of that earlier, there probably was a path to address it. So I say everything when you're thinking about growth is through the lens of am I doing those four things? And really what our job is to take you to a lender where if you were doing a 5 million deal, we can make a justification that you can get a 20 million deal done because you, you've addressed all those four pieces,   Sam Wilson (00:19:53) - Right? I really like that. The, the last one actually came a bit as a surprise, uh, the fact filtering one, but you're so right. Like, I, I can think of several examples in my head that we don't have the time to share on the show, but it, it, it, there's, it's unnecessary. It's like, hey, this is, this is even on call. I was on yesterday with a, uh, it was actually a monthly, it was our monthly investor update. It goes to our all entire brick and investor club. And she's like, Hey, you know, she's, it's our communications director's writing. She goes, Hey, I wanna throw this in there and that, and there I'm like, you know, that's not necessary one because it could, it could instill a lack of confidence and really it's irrelevant. Like in the grand scheme, it was like, it was, it was, we, we figured out what the total loss was and it was like one 10th of 1% in the last five years. And I'm like, yeah, but it sounds really terrible what you're about to say . Like, let's just not put that in there  because it's irrelevant. And it then makes our investors skittish for something that really has almost a non-monetary and or business relevant. So it, uh, I hear it and it, there's those small things that you're like, oh, we doesn't, doesn't, you know, we don't need to talk about that. So it's   Vernon Beckford (00:21:00) - The small things that can muddy the waters. Yeah. And, and I'm, I'm in no way saying ever, um, um, be, uh, always be transparent for sure, right? Be transparent with your lender, be transparent with your investor. But there's a difference between being transparent and and sharing the salient information, right? And just providing, uh, data that muddies the water and confuses folks and now creates concerns unduly. Right.   Sam Wilson (00:21:26) - Right. And that's it. That was it. Yeah, that was, that was that information yesterday. I'm like, that's completely un un you're creating, like you said, un undo concern. Is that the right way to say that? I don't know. Either way.  Vernon, this has been great, man. I love, I love those four things to think about. You've given us a ton to think about here on the show. I like your mission, I like the way you're doing it. I like your background, uh, starting out in commercial real estate and banking, in, in evaluating distress mortgages, how you compare that to what you're seeing today and kind of just what you guys are doing in the marketplace as a whole. I think it's, it's a much needed niche as you're, uh, obviously very well aware. If our listeners wanna get in touch with you and learn more about you, what is the best way to do that?   Vernon Beckford (00:22:03) - Sure, absolutely. Visit us@dlsloans.com. You can also find me on LinkedIn. I respond to dms Vernon Beckford and reach me directly on email vernon dot beckford dls loans.com. And   Sam Wilson (00:22:15) - That's DLS for Diversified Lending Solutions for those of you who are listening. So that's, uh, you said DLS loans.com?   Vernon Beckford (00:22:21) - Correct.   Sam Wilson (00:22:22) - Fantastic. We'll make sure we put that there in the show notes. Vernon, thank you again for coming on the show today. I certainly appreciate it.   Vernon Beckford (00:22:28) - Thank you, Sam.   Sam Wilson (00:22:30) - Hey, thanks for listening to the How to Scale Commercial Real Estate Podcast. If you can, do me a favor and subscribe and leave us a review on Apple Podcast, Spotify, Google Podcast, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.      

Daniel Dorfman is the Co-founder at Roots, an Atlanta-based company aiming to help 1 million people create wealth through residential real estate investing and their innovative ''Rent it like you own it'' program.

Join Drew Breneman, CEO of Breneman Capital, as he welcomes back Senior Vice President at CBRE and debt intermediary, Steve Kundert, for a deep dive into the multifamily lending industry. In this highly informative episode, Steve shares his insights on the most significant changes in the market over the last year and offers his perspective on current debt market conditions. With over $12 Billion of financing on over 600 individual transactions across all product types, Steve brings a wealth of knowledge and expertise to the discussion. Reach out to Steve via email Steve.Kundert@CBRE.com or connect on LinkedIn: https://www.linkedin.com/in/steve-kundert-198827a/

Are you up to date on what today's commercial finance market is like? If not, this is your chance to catch up on all the latest tactics and trends to help you expand your real estate business quickly. Don't miss this episode to get Jennifer Santoso's insider tips on qualifying for affordable loans in the current market!Key Takeaways to Listen forLoan financing: Why lenders decline applications and how you can get approvedWhat beginner syndicators should know before applying for loansTechniques to minimize risks in business financingCommon mistakes syndicators make during financing and how to solve themHow Tauro Capital Advisor can help entrepreneurs ease debt financingResources Mentioned in This EpisodeBiggerPockets Real Estate PodcastSan Diego Opportunity Knocks Real Estate Investor MeetupFree Apartment Syndication Due Diligence Checklist for Passive Investor About Jennifer SantosoJennifer joined Tauro Capital Advisors in 2020. In 2018, she founded and now owns a San Diego-based commercial real estate investing meetup. She has sourced limited partner equity for the multifamily, mobile home park, and short-term rental projects in San Diego, CA; Kansas City, MO; Greensboro, NC and Phoenix, AZ. Her career began in 2006 as a management and business leadership consultant, most notably at Booz Allen Hamilton and Deloitte. Due to her passion for leadership, economies of scale, and client dedication, she transitioned to capital advisory for commercial real estate.Connect with Jennifer Website: Tauro Capital Advisors LinkedIn: Jennifer SantosoTo Connect With UsPlease visit our website: www.bonavestcapital.com and please click here, to leave a rating and review!SponsorGrow Your Show, LLCThinking About Creating and Growing Your Own Podcast But Not Sure Where To Start?Visit GrowYourShow.com and Schedule a call with Adam A. Adams

EPISODE #260 In today's episode, we are joined by Brian Good, the co-founder and CEO of iBorrow. iBorrow is a nationwide real estate lender made by entrepreneurs for entrepreneurs, with an impressive track record of over $1 billion.Brian also founded TenantDirect, the first web-based property management software. Brian has moderated and served on a number of panels during his career, including panels for UCLA, YPO, Bisnow, and IMN. Currently, he sits on the Board of Advisors for the Ziman Center for Real Estate as part of the Anderson School of Business at UCLA.In this episode, we'll be covering everything from Brian's backstory and why he moved from equity real estate to debt real estate to how iBorrow underwrites borrowers and how the private lending market has changed going into 2023.Make sure to listen in!Key Takeaways:Intro (00:00)What brought Brian to debt real estate? (01:39)Why did he want to make the switch? (05:46)The difference between iBorrow and other lenders (08:23)What Are Bad-Boy Carve Outs? (10:12)How has the market changed over the last year? (13:14)How should we plan out the year ahead? (29:12)How leasing activity is looking now (43:07)Episode wrap-up (55:36)Additional Resources:➡️ Learn more about Juniper Square here➡️ Fort Capital: www.FortCapitalLP.com➡️ Follow Fort Capital on LinkedIn: www.linkedin.com/company/fort-capital/➡️ Follow Chris on Twitter: www.twitter.com/FortWorthChris➡️ Follow Chris on LinkedIn: www.linkedin.com/in/chrispowersjr/➡️ Sign Up for our Newsletter: https://newsletter.thefortpod.com/➡️ Subscribe to The FORT on YouTube--The FORT Podcast with Chris Powers is a place where you can find meaningful conversations about entrepreneurship, real estate, investing, and more.Be sure to follow the podcast, so you never miss an episode!