Private Lending Insights

Private Lending Risks in 2026: Loan Defaults and Debt Fund Failures

Lender Link — Mon, 23 Mar 2026 07:37:26 -0700

Rocky Butani interviews Kevin Kim, Partner at Fortra Law and one of the leading securities attorneys advising private lenders and mortgage fund managers. We discussed rising defaults, increasing competition, and key risks facing private lenders in 2026. We also talk about a mortgage fund in Northern California that recently collapsed, what investors should look for, and why transparency, third-party administration, and audited financials are becoming essential. Kevin shares insights on distressed debt opportunities and how lenders are adapting as the market evolves.

Visit Fortra Law's profile on PrivateLenderLink.com to learn more and to contact them: https://privatelenderlink.com/profile/fortra-law/?utm_source=lender-link-podcast

This interview is Episode #29 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

Inside Stonecrest Financial: Lines of Credit & Unique Bridge Loans for California Real Estate

Lender Link — Wed, 18 Mar 2026 07:22:28 -0700

Rocky Butani interviews Shafiq Taymuree from Stonecrest Financial, a California-based private lending firm with nearly $300 million in annual loan originations. They talked about Stonecrest’s unique lending programs, including consumer bridge loans that allow homeowners to buy a new property before selling their existing home, as well as a revolving line of credit program used by real estate investors and business owners. The conversation also covers specific guidelines for the 2 programs, California lending trends, and the company’s capital model that has supported their private lending operations for decades.

Visit Stonecrest's profile on PrivateLenderLink.com to learn more and to contact them:

https://privatelenderlink.com/profile/stonecrest-financial/?utm_source=lender-link-podcast

This interview is Episode #28 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

Inside Coastal Equity Group: Residential Construction Lending in the Southeast

Lender Link — Mon, 09 Mar 2026 02:30:00 -0700

Rocky Butani talks with Robert “Alex” Baker and Kent Liggitt from Coastal Equity Group, a direct private lending firm based in Charleston, South Carolina. They discuss Coastal Equity’s rapid growth, closing over $200M in annual loan volume (mostly ground-up construction), trends they are seeing, capital markets, their lending guidelines, and the Southeast markets seeing the most development activity.

Visit Coastal Equity's profile on PrivateLenderLink.com to learn more and to contact them: https://privatelenderlink.com/profile/coastal-equity-group/?utm_source=lender-link-podcast

This interview is Episode #27 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

Inside F2 Finance with Christian Faes

Lender Link — Tue, 03 Mar 2026 03:05:00 -0800

Rocky Butani talks with Christian Faes, CEO of F2 Finance, LLC. Christian shares his journey from founding and scaling a multi-billion-dollar U.K. lending platform (LendInvest) to launching F2 Finance in the United States. The conversation covers F2’s balance sheet lending model, bridge loan guidelines, land and commercial deal appetite, state-by-state strategy, and how they compete in a highly competitive private lending market. We also dive into F2’s capital structure, fund model, foreclosure philosophy, and what Christian sees ahead for private lending in 2026.

Visit F2's profile on PrivateLenderLink.com to learn more and to contact them: https://privatelenderlink.com/profile/f2-finance-llc/?utm_source=lender-link-podcast

This interview is Episode #26 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

Wholesale Private Lending Compliance and Legal Structures

Lender Link — Thu, 29 Jan 2026 03:15:00 -0800

Rocky Butani interviews Melissa Martorella, Esq., Partner at Fortra Law, for a deep dive into wholesale capital structures in private lending.

Melissa breaks down the legal and compliance considerations behind wholesale lending, white labeling, table funding, and correspondent lending, with a focus on residential transition loans (aka hard money). The conversation covers state licensing requirements, borrower disclosures, liability risks, and how lenders and brokers can structure their businesses correctly while scaling nationwide.

This episode is essential listening for private lenders, brokers, capital providers and others navigating wholesale lending models.

Visit Fortra Law's profile on PrivateLenderLink.com to learn more and to contact them: https://privatelenderlink.com/profile/fortra-law/?utm_source=lender-link-podcast

This interview is Episode #25 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/.

Inside i Fund Cities: Private Lending Growth, Construction Loans & Market Trends

Lender Link — Mon, 24 Nov 2025 03:02:00 -0800

Rocky Butani talks with Bryan Ziegenfuse and Chris Tereo, Co-Founders of i Fund Cities, a national private lender based in Philadelphia. They discuss the company’s impressive 2025 growth, funding close to $900 million in private loans, their boots-on-the-ground expansion strategy, and trends in construction, fix & flip, and DSCR lending. The conversation also covers market forecasts for 2026, delinquency trends, loan program details, and i Fund Cities’ approach to capital markets and customer experience.

Visit iFC's profile on PrivateLenderLink.com to learn more and to contact them: https://privatelenderlink.com/profile/ifundcities/?utm_source=lender-link-podcast

This interview is Episode #24 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/.

Private Lending Market Update 2025 Q3 with Data from Lightning Docs

Lender Link — Fri, 07 Nov 2025 03:00:00 -0800

In this episode of Private Lending Insights, Rocky Butani interviews Nema Daghbandan, Esq., CEO of Lightning Docs and Partner at Fortra Law. They discuss nationwide trends in private lending interest rates, loan volume, and market dynamics for both bridge and DSCR loans — based on real data from thousands of transactions each month on the Lightning Docs platform. Nema breaks down rate movements across major states, explains why competition is intensifying, the rapid rise in DSCR loan volume, the evolution of securitizations, and what’s next for private lending in 2026.

Visit Lightning Doc's profile on PrivateLenderLink.com to learn more and to contact them:
https://privatelenderlink.com/profile/lightning-docs/?utm_source=lender-link-podcast

This interview is Episode #23 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/.

The Baltimore DSCR Rental Loan Fraud Scheme

Lender Link — Tue, 04 Nov 2025 05:00:00 -0800

Rocky Butani interviewed Jon Hornik, Managing Partner of Private Lender Law and President of the National Private Lenders Association (NPLA), to discuss the Baltimore DSCR fraud scheme that shook the private lending industry in 2025, affecting dozens of lenders and millions in loans. Jon explains how the scheme worked, who was impacted, and what the NPLA is doing to fight fraud and protect lenders — including a new watchlist database for bad actors and updated valuation best practices for DSCR loans.

Visit Private Lender Law’ profile on PrivateLenderLink.com to learn more and to contact them:
https://privatelenderlink.com/profile/private-lender-law/?utm_source=lender-link-podcast

Connect with Jon Hornik on LinkedIn: https://www.linkedin.com/in/jonathan-l-hornik-esq-6620509a/

This interview is Episode #22 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

Inside Stormfield Capital: Real Estate Bridge Lending Strategy & Market Outlook

Lender Link — Fri, 10 Oct 2025 07:34:40 -0700

Rocky Butani talks with Wesley Carpenter, Co-Founder and Partner at Stormfield Capital, a Connecticut-based private lender and debt fund manager with $750MM AUM. Wes discusses the 2025 market outlook, the state of bridge lending, and how Stormfield serves investors across the East Coast. He shares insights on loan volume, underwriting discipline, the company’s capital structure, and its plans to expand beyond the Northeast.

Visit Stormfield's profile on PrivateLenderLink.com to learn more and to contact them: https://privatelenderlink.com/profile/stormfield-capital/?utm_source=lender-link-podcast

This interview is Episode #21 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/.

Inside Residential Capital Partners: 100% Financing for Rehab Projects Nationwide

Lender Link — Thu, 18 Sep 2025 13:39:52 -0700

Rocky Butani interviewed Paul Jackson, President & CEO of Residential Capital Partners, one of the few private lenders offering 100% financing for residential & multifamily rehab projects nationwide. Paul shares his insights on the real estate market, ground-up construction trends, and how ResCap has maintained steady lending volumes for 16+ years. Learn all about their loan program, borrower requirements, interest rates, fees, and much more.

Visit ResCap's profile on PrivateLenderLink.com to learn more and to contact them: https://privatelenderlink.com/profile/residential-capital-partners/?utm_source=lender-link-podcast

This interview is Episode #20 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/.

Navigating What’s Next in Private Lending: Trends, Strategy, and Vision with Anthony Geraci

Lender Link — Wed, 30 Jul 2025 13:03:16 -0700

Rocky Butani interviews Anthony Geraci, founder of the newly re-launched Geraci Law Firm and a long-time leader in the private lending space. Anthony discusses his recent split from the firm he originally built, his continued focus on supporting private lenders, and his vision for the future of the industry. Anthony shares his perspective on major trends shaping the industry — from the rise of capital markets and securitization, to the growing demand for 50-state lending and alternative credit strategies. He also reflects on his entrepreneurial journey, the future of conferences in the space, and how private lenders can stay competitive in a shifting market.

Visit Geraci LLP's website: https://geracillp.com/?utm_source=lender-link-podcast

This interview is Episode #19 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

00:00 Intro

02:44 Firm Split

05:40 Market Trends

07:08 Lending Shift

08:45 Beyond Real Estate

09:31 Legal Landscape

11:14 Strategy Advice

12:55 Client Growth

15:09 Balance vs. Securitize

17:27 DSCR Loans

20:43 CRE Outlook

22:25 Resi Shift

23:53 Defaults & Foreclosure

25:05 New Firm Build

27:23 Competing Firms

29:25 New Conference

32:10 Starting Out

34:35 Founding AAPL

39:02 Conference Boom

46:08 AAPL Role

49:33 Other Ventures

California Bridge Lending with Rubicon Mortgage Fund

Lender Link — Thu, 24 Jul 2025 11:26:03 -0700

Rocky Butani interviews Vance Hillstrom, CEO of Rubicon Mortgage Fund, for a wide-ranging discussion on California’s evolving real estate market, Rubicon’s conservative lending philosophy, and what it takes to survive and thrive in today’s private lending landscape. Rubicon has been originating bridge loans for nearly 20 years, funding deals exclusively with capital from its $150 million discretionary mortgage fund. While the firm started by focusing on the Bay Area, its lending footprint now spans the entire state of California, including a growing appetite for Southern California.

Visit Rubicon's profile on PrivateLenderLink.com to learn more and to contact them: https://privatelenderlink.com/profile/rubicon-mortgage-fund/

This interview is Episode #18 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

00:00 Intro

01:14 Market Trends

02:56 Loan Extensions

04:00 Bridge Loan Demand

06:19 First Republic Loans

10:50 Defaults & Foreclosures

12:17 Loan Volume

14:34 Portfolio Mix

17:20 Property Types

19:45 Gas Stations & Hospitality

21:52 Lending Regions

27:46 Guidelines & Terms

33:46 Valuation Process

39:29 Deposits

41:12 Rehab & Construction

42:30 Broker vs Borrower

43:19 Loan Examples

49:16 Team & Operations

50:49 Mortgage Fund

55:33 Closing

DSCR Rental Loan Guidelines and Trends with American Heritage Lending

Lender Link — Wed, 16 Jul 2025 09:41:34 -0700

Rocky Butani interviews Dave Orloff, CEO of American Heritage Lending for an in-depth discussion on DSCR (Debt Service Coverage Ratio) loans. They explore current market trends in mid-2025, interest rate volatility, updated loan guidelines, and what makes AHL’s DSCR program stand out — including high LTV options, 40-year loan terms, fee stacking, and their approach to short-term rentals and multifamily properties. Whether you're a broker, investor, or lender, this episode offers practical insights into one of the most popular loan products in private mortgage lending today.

Visit American Heritage Lending's profile on PrivateLenderLink.com to learn more and to contact them: https://privatelenderlink.com/profile/amercian-heritage-lending/?utm_source=lender-link-podcast

This interview is Episode #17 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

00:00 Intro

02:00 Market Update

04:15 Capital Markets

06:00 Rates & Pricing

07:10 Lending Trends

10:00 Loan Volume

13:00 DSCR Updates

15:50 LTV Guidelines

18:20 Credit Scores

24:00 DSCR Calc

26:30 Property Types

29:30 40 Year Term

33:40 Rate Locks

37:10 Entities

38:30 Short Term Rentals

43:30 Fee Stacking

45:50 Prepay Penalties

47:00 Location Rules

50:45 Acreage

51:35 Closing

Inside Yieldi: Strategic Bridge Lending for CRE, Land and Luxury Homes

Lender Link — Wed, 25 Jun 2025 19:04:57 -0700

Yieldi's principals, Joe Ashkouti and Josh Lloyd, spoke with Rocky Butani to talk about bridge loans for commercial and residential investment properties, their lending guidelines, the company's unique capital structure, and more.

Visit Yieldi's profile on PrivateLenderLink.com to learn more and to contact them:

https://privatelenderlink.com/profile/yieldi/?utm_source=lender-link-podcast

This interview is Episode #16 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

00:00 Welcome and Intro

00:40 Market Trends 2025

01:45 Company Growth

03:00 Land Loan Demand

04:30 Market Insights

06:00 Conservative Lending

07:00 Bridge to Bridge Loans

08:30 Free and Clear Deals

09:30 Cash Out Strategy

10:30 Foreclosure Bailouts

12:00 Loan Volume Growth

13:30 Commercial vs Residential

14:30 Geographic Breakdown

15:10 Lending Guidelines

17:00 Loan Sizes and LTV

19:00 Luxury Home Bridges

20:30 Consumer Bridge Loans

21:30 Land Loan Examples

25:00 Land Underwriting

27:30 Cross Collateral Loans

30:00 Special Use and Hotels

31:30 Foreign National Loans

33:00 Rehab and Fix and Flip

35:00 Commercial Value Add

36:30 Valuation Approach

38:00 Site Visit Process

40:00 Company Background

42:00 Capital Structure

44:30 Lending Regions

46:00 Georgia Lending

48:00 Municipal Issues

50:30 Final Thoughts

Private Lending in New York City with We Lend

Lender Link — Fri, 06 Jun 2025 14:20:48 -0700

Solomon Suleymanov, Partner and Director of Originations at We Lend LLC, spoke with Rocky Butani to talk about private/hard money lending in the New York City metro area.

Visit We Lend’s profile on PrivateLenderLink.com to learn more and to contact them:

https://privatelenderlink.com/profile/we-lend-llc/?utm_source=lender-link-podcast

This interview is Episode #15 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

00:00 Intro

01:06 NYC Market Overview

02:12 Rehab and Conversion Trends

03:55 Deal Example

05:52 Why Convert Townhouses

06:57 Manhattan vs Brooklyn

08:26 Brooklyn Price Insights

09:43 Long Island Projects

10:56 Tariffs and Inflation

12:03 Investor Activity

12:40 Loan Types

14:11 Ground Up Construction

15:45 Shovel Ready vs Raw Land

17:02 Foreclosure Bailouts

19:45 Bailout Case Study

22:40 DSCR in NYC

25:59 Multifamily Lending

27:32 Interest Rates

29:19 Rehab Loan Terms

30:41 About We Lend

33:56 Founder Background

35:36 Capital Structure

38:50 Loan Servicing

41:28 Squatter Challenges

44:54 Payment Deferrals

46:00 NYC vs Long Island

47:40 Westchester and NJ

50:15 Southern NJ Markets

52:44 NJ Foreclosures

54:02 Final Thoughts

55:33 Outro

Creative Small Balance CRE Hard Money with Gelt Financial

Lender Link — Tue, 27 May 2025 20:41:55 -0700

Jack Miller, President of Gelt Financial, spoke with Rocky Butani to talk about hard money loans for small commercial properties, their unique lending guidelines, the company's long history, and more.

Visit Gelt’s profile on PrivateLenderLink.com to learn more and to contact them:

https://privatelenderlink.com/profile/gelt-financial/?utm_source=lender-link-podcast

This interview is Episode #14 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

Check out Gelt Financial’s YouTube channel for educational content about hard money lending: https://www.youtube.com/@GeltFinancialLLC

00:00 Intro
01:38 Market Trends
03:31 Bank Tightening
06:05 Gelt's Flexibility
07:07 Loan Guidelines
09:18 Fees and Appraisals
12:39 Where Gelt Lends
13:22 Property Types
14:43 Retail and Multifamily
16:05 Foreclosure Bailouts
18:33 Foreign Nationals
20:13 Defaults and Workouts
22:35 HOA and Condo Loans
25:00 UCC Liens
27:24 Non-Recourse Loans
30:36 Fractional Ownership
31:41 JV Deals
36:12 JV Risk Approach
37:14 Company Overview
39:19 Fast Closings
40:31 Cross Collateral
42:45 Capital Structure
46:50 Loan Servicing
50:24 Buying Loans
52:16 Long-Term Borrowers
55:01 Borrower Feedback
55:45 Market Focus
58:02 State Challenges

New England Private Lending with Cardinal Capital Group

Lender Link — Wed, 14 May 2025 07:13:13 -0700

Briana Hildt, Co-Founder and CEO of Cardinal Capital Group, shared some insights about private lending in New England, the state of the market, their lending guidelines, the company's growth over the past few years, and nuggets about each of the different metro areas in the region.

Visit Cardinal's profile on PrivateLenderLink.com to learn more and to contact them:

https://privatelenderlink.com/profile/cardinal-capital-group/?utm_source=lender-link-podcast

Connect with Briana on LinkedIn: https://www.linkedin.com/in/briana-hildt/

This interview is Episode #13 of the Private Lending Insights Podcast with Rocky Butani: https://podcast.privatelenderlink.com/

00:00 Introduction

01:46 Focus on New England

03:54 2025 Market Outlook

05:42 Investor Sentiment

08:32 Cardinal Growth

09:50 Breaking into Boston

13:32 Competing with Banks

16:41 Flexible Lending

18:45 Mid-Project Refis

22:56 Rehab Loan Guidelines

27:47 New Investors

30:20 Interest Reserves

35:26 Property Types

38:03 Geographic Focus

41:45 Offices and Team

44:00 Capital Structure

45:59 Client Onboarding

47:45 Connecticut Expansion

49:43 Lending in NH RI ME

54:00 Rhode Island Deals

57:55 Providence and Newport

58:45 Final Thoughts

Jon Hornik Talks Capital Markets, Trade Tensions, and the National Private Lenders Association

Lender Link — Thu, 01 May 2025 04:30:00 -0700

Jon Hornik spoke with Rocky Butani to share his thoughts on the trade war’s impact on the private lending industry as of late April 2025. He also shared insights about the National Private Lenders Association (NPLA). Hornik serves as the Founder, Executive Director, and General Counsel of the NPLA. In addition, Hornik is the Managing Partner and Chair of the Private Lender Law Group at LaRocca Hornik Greenberg Kittredge Carlin & McPartland LLP. His firm represents over 100 nationwide lenders, originators, and investors, including top Wall Street banks and private equity firms. Jon Hornik is also the Mayor of Marlboro Township, New Jersey.

Visit Private Lender Law’ profile on PrivateLenderLink.com to learn more and to contact them:

https://privatelenderlink.com/profile/private-lender-law/?utm_source=lender-link-podcast

Connect with Jon Hornik on LinkedIn: https://www.linkedin.com/in/jonathan-l-hornik-esq-6620509a/

This interview is Episode #12 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

00:00 Intro to Jon Hornik

01:21 Running NPLA Law Firm and a Town

02:07 Lending Market Update

03:44 Trade War Impact on Lending

07:35 Opportunity in Uncertainty

08:55 Securitization Market Outlook

10:13 NPLA Crisis Response

11:55 Industry Sentiment and Collaboration

13:20 Rising Costs and Layoffs

15:13 Tariffs and Construction Costs

17:01 Trade Policy Concerns

18:21 Sponsor Message

19:15 NPLA Meetings Explained

21:04 Meeting Format and Insights

23:35 NPLA Member Benefits

27:01 Membership Pricing

29:37 Mentorship and Collaboration

30:18 NPLA Conferences Overview

33:29 Why Atlantic City Works

35:35 Scottsdale Conference Preview

37:51 Conference Locations

38:51 Conference Agenda

40:32 About Private Lender Law

42:29 Closing Thoughts

43:31 Host on NPLA Membership

RBI Private Lending's National Expansion and Insights about Florida

Lender Link — Tue, 29 Apr 2025 07:01:05 -0700

Andres Saias, Chief Lending Officer at RBI Private Lending, spoke with Rocky Butani to share some insights about their growth in the past few years, their national expansion, and what's happening in Florida.

Visit RBI's profile on PrivateLenderLink.com to learn more and to contact them:

https://privatelenderlink.com/profile/rbi-mortgages/?utm_source=lender-link-podcast

Connect with Andres on LinkedIn: https://www.linkedin.com/in/andres-saias-22b04a97/

This interview is Episode #11 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

00:00 Intro and Guest Overview

01:27 Market Trends Q1 2025

02:45 Expanding Beyond Florida

03:30 Tariffs and Investor Sentiment

04:40 Material Costs and Inventory

05:40 Treasury Rates and Capital

07:15 Securitizations and Rate Outlook

08:15 Loan Volume Growth

10:09 Borrower and Team Growth

11:59 Loan Types Overview

13:24 RTL Breakdown

16:36 Fix and Flip Strategy

20:56 Foreign National Lending

24:52 Construction Loan Terms

26:47 Large and Luxury Loans

29:42 Expansion Markets

31:05 Company History

36:43 Team and Operations

38:14 Growth Plans

40:27 Florida Market Overview

42:21 Why New Construction

43:47 Investor Shift from Florida

45:32 Inventory and Values

47:27 Risks in 2025

48:26 Condo Market

49:56 Florida Hot Markets

51:03 Jacksonville and Panhandle

52:26 Wrap-up and Contact Info

Private Lending Capital Markets and Debt Funds Update by Kevin Kim 2025 Q1

Lender Link — Fri, 21 Mar 2025 09:25:59 -0700

Kevin Kim, securities attorney and partner at Fortra Law, spoke with Rocky Butani to share some insights about private mortgage funds and the secondary market for private lending in early 2025. Kevin specializes in fund formation and has assisted tons of private lending companies with securities and capital raising legal matters.

Visit Fortra's profile on PrivateLenderLink.com to learn more and to contact them:

https://privatelenderlink.com/profile/fortra-law/?utm_source=lender-link-podcast

Connect with Kevin Kim on LinkedIn: https://www.linkedin.com/in/kevinkimesq/

This interview is Episode #10 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

00:00 Introduction

00:49 Guest Intro Kevin Kim

01:41 2024 Market Trends

03:20 Raising Capital Overseas

04:14 Post Election Sentiment

06:12 Investor Misconceptions

08:25 Balance Sheet Lending

10:23 Why Choose a Fund

12:53 Trends Since 2020

14:53 Non Conforming Loans

16:45 Secondary Market Shifts

18:56 Why You Still Need a Fund

19:48 Structuring for Foreign Capital

21:52 Where Investors Are Coming From

23:48 Offshore Investor Returns

25:10 Rise of Regional Lenders

27:08 Lending Across States

28:50 Bank Credit Line Trends

31:18 Switching to Debt Funds

33:03 2025 Market Predictions

36:24 Will There Be Enough Deals

38:30 Looser Terms and Risk

41:00 Real Volume vs DSCR

42:20 DSCR Funded Loans

44:27 Final Thoughts and Events

DMV Real Estate Investing and Lending with Clear Sky Financial

Lender Link — Wed, 05 Mar 2025 09:22:47 -0800

Charlie Einsman, Co-Founder of Clear Sky Financial spoke with Rocky Butani to share some insights about real estate investing and lending in the DMV region (DC, Maryland, Virginia). Find out what's happening with real estate in each of the 3 states (2025 Q1), learn about Clear Sky's unique lending program for real estate investors, and more.

Visit Clear Sky's profile on PrivateLenderLink.com to learn more and to contact them:

https://privatelenderlink.com/profile/clear-sky-financial/?utm_source=lender-link-podcast

This interview is Episode #9 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

00:00 Intro & Guest Overview

00:43 DMV Market Snapshot

01:46 Northern Virginia Trends

02:48 DC Market Challenges

04:18 Maryland Market Overview

05:09 Lending by Neighborhood

06:13 Central Virginia Outlook

07:53 Fredericksburg Heat Map

09:02 DC Office Space Collapse

11:03 Reviving Downtown DC

12:07 Hot DC Neighborhoods

12:53 Baltimore Insights

14:12 Lending in Low-Value Areas

16:21 First-Time Buyer Programs

18:09 Investing in Annapolis

19:49 Gaithersburg to Frederick

21:48 Buy & Hold Criteria

23:25 Why Rentals Don’t Cash Flow

26:04 Clear Sky Loan Program

29:10 Flexible Lending Approach

30:56 Vetting New Investors

32:38 Liquidity & Cash at Close

33:56 Pre-Draw Funding Explained

35:22 Draw Process & Inspections

36:42 Rates, Points & Flexibility

38:42 Extensions & Loan Terms

40:24 Lending to Foreign Nationals

42:47 Foreclosure Scenarios

44:48 Loan Amount Ranges

46:15 Regional vs. National Lenders

47:39 Fees & Speed to Close

49:59 Meet the Clear Sky Team

51:31 How They're Funded

54:07 2025 Market Forecast

56:07 Tech Driving Demand

57:09 Final Thoughts & Contact Info

Jeff Tesch's Insights and RCN Capital Updates 2025 Q1

Lender Link — Mon, 24 Feb 2025 08:50:15 -0800

Jeff Tesch, CEO of RCN Capital spoke with Rocky Butani to share some insights about a variety of topics in private lending: 2024 loan volume, interest rates, insurance challenges, multifamily financing, 2025 predictions, RCN's wholesale program and more. RCN is mostly a wholesale lender serving loan originators, and they have a small retail division which is around 15% of their total loan volume. Around 75% of their lending is DSCR long-term rental loans and 25% is bridge loans, including fix & flip and ground-up construction.

Visit RCN's profile on PrivateLenderLink.com to learn more and to contact them:

https://privatelenderlink.com/profile/rcn-capital/?utm_source=lender-link-podcast

This interview is Episode #8 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

Lender Link Report : February 2025

Lender Link — Fri, 21 Feb 2025 10:02:23 -0800

Rocky Butani provides a report about private lending and Lender Link: thoughts about 2024, predictions for 2025, updates on our podcast, a few new lenders that were recently added to PrivateLenderLink.com, our new AI project and industry conferences.

Visit this page on our website to see a list of all the private lending conferences in 2025: https://pllk.io/evpl.

Security Financial Services | Northern California Private Lending

Lender Link — Mon, 17 Feb 2025 20:35:28 -0800

In the 6th episode of the Private Lending Insights Podcast, Rocky Butani interviewed Marc Rouda and Alexis Rouda from Security Financial Services to learn all about private lending in Northern California. They talked about their loan program, Bay Area private money trends, tenants in common deals in San Francisco and more. The company was established in 1943 and is based in San Francisco.

Visit Security Financial Services’ profile on PrivateLenderLink.com to learn more and to contact them:

https://privatelenderlink.com/profile/security-financial-services/?utm_source=lender-link-podcast

Connect with Marc Rouda on LinkedIn:

https://www.linkedin.com/in/marc-rouda-60174/

Connect with Alexis Rouda on LinkedIn:

https://www.linkedin.com/in/alexis-rouda-18738b23/

00:00 Intro

00:44 Lending Programs

01:59 Loan Types

03:54 Terms & Rates

07:20 LTV Guidelines

08:48 Rehab Loans

10:22 Underwriting

11:39 Appraisals & Recourse

13:59 Borrower Requirements

15:28 Site Visits

17:20 Closing Timelines

19:31 Company History

22:05 Direct Lending

23:39 Servicing

24:29 Pricing & Relationships

26:43 Deal Example: Mixed Use

31:38 Deal Example: TIC

39:44 TIC vs Condo

43:32 Condo Conversion Rules

45:33 TIC Investment

46:41 Market Trends

50:21 2025 Outlook

55:57 Lending Areas

58:31 Closing

Private Construction Financing by Center Street Lending

Lender Link — Mon, 10 Feb 2025 13:06:31 -0800

In the 5th episode of the Private Lending Insights podcast, Rocky Butani interviewed Jeremiah Wiedman and Erik Brown from Center Street Lending to learn all about ground-up construction for residential investment properties and small multifamily properties throughout the United States. We talk about trends in 2024-2025, requirements to get a loan, the pricing structure, costs, draw process, ADU building and additions in California and more.

Visit Center Street's profile on PrivateLenderLink.com to learn more and to contact them:

https://privatelenderlink.com/profile/center-street-lending/?utm_source=lender-link-podcast

Connect with Jeremiah Wiedman on LinkedIn:
https://www.linkedin.com/in/jeremiah-wiedman-47b16533/

Connect with Erik Brown on LinkedIn:
https://www.linkedin.com/in/erik-brown-07505196/

100% Financing Program by Rehab Financial Group

Lender Link — Thu, 16 Jan 2025 03:00:00 -0800

In the 4th episode of the Private Lending Insights podcast, Rocky Butani interviewed John Santilli from Rehab Financial Group to learn all about their 100% financing loan program for residential real estate investors. We go in-depth to cover all the requirements, the pricing structure, costs, draw process and much more.

Visit RFG's profile on PrivateLenderLink.com to learn more and to contact them:

https://privatelenderlink.com/profile/rehab-financial-group/?utm_source=lender-link-podcast

As of January 2025, Rehab Financial Group lends in 18 states: AL, CT, DE, FL, GA, IN, KY, MA, MD, MO, NC, NJ, OH, PA, SC, TN, TX, VA. They do not lend in Cleveland or Baltimore. The property must be a residential investment property (1-4 units) situated in a metropolitan area. Rural locations will not be considered. They require borrowers have to a minimum FICO score of 650. Experience is not required.

State Licensing for Private Lending

Lender Link — Mon, 09 Dec 2024 14:21:22 -0800

Rocky Butani interviewed Jennifer Young, Partner at Fortra Law, to learn which states require a licensed to originate private mortgages (aka hard money loans) secured by investment real estate. Fortra Law is the largest law firm in the United States for private lending and offers a variety of legal services - compliance, licensing, securities law, fund formation, loan documents, litigation and more.

Visit Fortra's profile on PrivateLenderLink.com to learn more about their services:
https://privatelenderlink.com/profile/fortra-law/?utm_source=lender-link-podcast

00:00 Intro

00:40 Guest Intro

01:20 Why Licensing Matters

02:00 States Requiring All Licensing

02:40 States Requiring Residential Licensing

03:40 Broker vs Lender Rules

04:20 North Carolina Notes

05:10 California Licensing

07:00 CFL vs DRE

09:30 Nevada Licensing

12:00 Nevada Qualified Employee

13:45 Arizona Licensing

15:05 Broker Compensation Limits

16:50 Oregon Licensing

18:20 Lending in Oregon

19:00 Idaho Licensing

20:20 Utah Licensing

21:30 Minnesota Licensing

22:30 Vermont Licensing

23:40 Dakotas Licensing

24:50 Renewals and Audits

26:30 State Exceptions

28:30 Final Thoughts

29:30 Recap and Sponsor

The Rise of American Heritage Lending

Lender Link — Mon, 25 Nov 2024 08:07:52 -0800

Rocky Butani interviewed Dave Orloff, CEO of American Heritage Lending, a national direct private lending company based in Irvine, California. They offer a variety of financing options to residential real estate investors in 45 states: DSCR 30-year rental loans, fix & flip, ground-up construction and short-term bridge loans. The company has grown immensely in the past 2 years and is now one of the top 10 lenders in the United States in terms of loan volume. Learn about the company's recent growth, their operation and Dave's thoughts on private lending for 2025.

Visit American Heritage Lending's profile on PrivateLenderLink.com to learn more about their lending guidelines:
https://privatelenderlink.com/profile/american-heritage-lending/?utm_source=lender-link-podcast

Loan originators interested in a DSCR third-party origination wholesale program can learn more on this website:
https://ahlendtpo.com/?utm_source=lender-link-podcast

00:00 Intro

01:14 Company Background

02:00 Growth Since 2018

03:57 Loan Volume Surge

05:11 Billion Dollar Milestone

06:54 Q3 2024 Rankings

09:16 High Rates and High Volume

11:17 Industry Demand Trends

13:02 Loan Type Breakdown

14:58 DSCR Popularity

16:26 Wholesale vs Retail

18:49 Wholesale Platform

20:12 Team and Locations

22:19 Michigan Office

24:00 Fix and Flip Outlook

25:30 Short Term Lending Challenges

27:29 DSCR in 2025

28:33 Market Predictions

30:17 Wrap Up

Private Lending Insights Podcast Overview

Lender Link — Wed, 30 Oct 2024 14:18:06 -0700

In the first episode of Private Lending Insights, Rocky Butani, provides an introduction and overview of the podcast, which is hosted by Lender Link. We operate PrivateLenderLink.com, a website were real estate investors and mortgage brokers find direct private lending companies (aka hard money lenders) throughout the United States.