private money411 featuring b2r finance

P R I VAT EMoney 411

The Source for Real Estate Finance from Realty411guide.comPhotograph from left to right: GREGOR WATSON, Chief Revenue Officer; DARREN THOMPSON, Chief Financial Officer;

PAUL BEHM, Chief Information Officer; JASON HOGG, Chief Executive Officer; MATT MALANGA, Chief Marketing Officer; KATHARINE BRIGGS, Chief Operating Officer; JOHN BEACHAM, Chief Investment Officer

Here Comes the New GuardB2R Finance Leads Lending Innovation

FALL ISSUE 2015

Join Us for a Finance Expo in Los Angeles, see pg. 8

P R I VAT EMoney411

Join Us for a Finance Expo in Los Angeles, see pg. 8

4 Celebrate Private Money411 Live

6 Fuquan Bilal on Raising Capital

8 Here Comes the New Guard:

B2R Finance Leads Lending Innovation

11 The New Rules of the Fundraising Game

12 Meet Your Creative Finance Experts

14 Disclosing Risk in Funding

17 Meet the Money Minds

28 Benefits of Private Funding

28 Colony American Finance

Wants to Jumpstart Portfolios

CONTACT US: 805.693.1497 [email protected] social, look for Realty411 updates on Facebook, Twitter, LinkedIn, Pinterest, Google+

Important Disclosures for Our Readers:The information and presentations provided herein do not constitute an offer or solicita-tion to buy or sell securities or real estate. Please be aware that real estate investing can be risky. Realty411, the publisher of Private Money411, is not responsible for any information provided and/or statistical data presented, and does not reflect the opinions, advice or research by us. Readers are 100% responsible for their due diligence, for all investment information and for all decisions with respect to any potential investment or transaction. 411 recommends readers seek the advice of a trusted attorney, broker, CPA and/or financial adviser before investing.

PRIVATE MONEY411 Cover: Photograph from Left to Right: Gregor Watson, Chief Revenue Officer; Darren Thompson, Chief Financial Officer; Paul Behm, Chief Information Officer; Jason Hogg, Chief Executive Officer; Matt Malanga, Chief Marketing Officer; Katharine Briggs, Chief Operating Officer; John Beacham, Chief Investment Officer

Below: Mingle with hundreds of active inves-tors in Los Angeles on September 19, 2015. Join us to celebrate our new issue. Private Money411 will be hosting industry gatherings with a focus on technology and finance. For more information, see pages 4 and 5.

Photo left: Rebecca Rice with Rebecca Rice & Associates, pg. 12

CONTENTS

Celebrate Our Financial Supplement and Learn from the Top Leaders of Finance in CA & NY.Private Money411 will be hosting two important events in 2015.

Whether you are based in the West or East Coast, you will have the opportunity to network, learn, and mingle with extraordinary finance leaders and speakers.

Industry Leaders are Welcomedas Our Complimentary Guests.

Reserve Your Participation @805.693.1497 or RSVP by email:

[email protected]

California and New York

WEST - LOS ANGELES - CAReal Estate Finance & Technology Expo

Network with the VIPs of FinanceSaturday, Sept. 19th - 9 am

EAST - MANHATTAN - NEW YORKReal Estate Finance Expo with REIA NYC

Join Us in Manhattan - Visit New York CitySaturday, November 7th - 9 am

Private Money411Finance Conference

For information, visit REALTY411guide.com/events 805.693.1497 [email protected]

California and New York

Realty411Guide.com PAGE 6 2015 Private Money411

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Different Ways to Raise Capital and Buy Notes.BY FUQUAN BILAL

People often think that raising money is the most challenging aspect of the note business when in actuality, once the fundamentals are established, finding money is the easiest part. Raising capital whether you know or not is heavily influenced by cred-ibility, reputation, and strong marketing. If you want to keep generating cash flow, never stop raising money, and never stop marketing.

Getting involved and networking are little things that make a big difference. There are many ways to raise capital, from investors to partnerships, and to make note purchases.

When working with investors, strive to go out of your way because the way you treat them directly affects your capital. Your reputation will precede you. If you pay on time, keep your word, and display re-sponsibility you are showing strong qualities that will make positive impressions on people and especially investors. Investors want to invest with the people they feel they can depend on, trust, and are comfortable with. Therefore, building strong relationships is critical and fundamental in the note business. How you market yourself to other target audiences is also critically im-portant. Sell more than just interest rates and show that your company, or even you, is exclusive and different.

Asset building isnt just accomplished through sin-gle purchases. One can also build collateral by creating partnerships and forming an LLC. In forming an LLC with partners, each person can put x amount of dollars in and then go out and buy notes with the money.

Since note buying is a capital intensive business, most note buyers start off on a smaller scale before

RAISING CAPITAL and Private Money

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the New Guard

THE LEADERS OF FINANCEWith offices nationwide, B2R Finance is a financial tech-nology company founded to address the unique needs and financial goals of single-family rental property investors. The company offers a full suite of lending solutions designed for investors at all stages of port-folio growth. Current products include fix and flip financing, bridge to term loans, portfolio rental loans for refinancing, the Entrepreneurial Lending Program and the Institutional Lending Program.

the New GuardB2R Finance Leads Lending Innovation

What The B2R Finance Lending Lab Is Developing Now

What is the worlds most innovative real estate financing laboratory cooking up next?B2R Finance CEO Jason Hogg has been shaking things up at one of the most exciting lenders weve seen emerge in the new real estate landscape. This is the innovative mortgage lender that brought us new residential buy to rent financ-ing, the industrys first multiborrower securitization and was established by funds managed by Black-stone Tactical Opportunities. Jason shares what new loan products and tools are being rolled out, and how investors can stay ahead of the curve.

THE WAYNE GRETZKY OF MORTGAGE LENDING

A good hockey player plays where the puck is. A great hockey player plays where the puck is going to be. Wayne Gretzky

Gretzky developed a formidable reputation on the ice, by staying ahead of the game. B2R Finance appears to not only wield the physique of a legend-ary hockey player, but is driving the game with its speed skates on, and hitting the puck into the fu-ture.

The firm has already been disrupting the me-chanics of the industry, and paving the way with entrepreneurial lending products. But most dont re-alize how much new technology and creative prob-

lem solving is set to reshape real estate investment. We got a peek inside the brain of the finance giant, and the 411 on whats next in an exclusive interview with CEO Jason Hogg

DWELL FINANCE: THE NEW DEALFOR INVESTORS

B2R Finance just acquired Dwell Finance. The big move helps B2R dig deeper with an expanding local market presence and adds new investment loan products. Jason Hogg says the Dwell Finance acquisition is significant on three fronts:

1. New Loan Products for InvestorsJason says it augments the suite of products for customers with fix and flip, and bridge to term lend-ing programs. This includes a single credit line that facilitates rehabbing and reselling houses, acquiring multiple vacant properties for conversion to rentals, and portfolio refinance loans for buy and hold inves-tors.2. Integrating the IndustryNot only does the Dwell move help connect the industry, but few realize that it adds to an expand-ing national footprint with physical regional offices to optimize service for borrowers. This facilitates business relationships, including face-to-face time, which Hogg says is paramount to the organization and developing new products. 3. New Technology PlatformDwell provides a simplified front end portal online. This delivers on what the CEO describes as fast-er, low friction lending. Its not just about beauty in web design either. Behind the curtain is a unified

COVER


BY TIM HOUGHTEN

platform which enhances the lenderinvestor relationship. It even acts as a mobile dashboard for investors to interact and upload documents on the go, as well as monitoring their portfo-lio performance from anywhere in the world. This helps further build the rela-tionship by tapping big and small data to provide users better solutions. This isnt your creepy Facebook stalking-style relationship. It is about getting to know where you want to go, where your portfolio is in relation to that, the DNA of your local market, and how to connect the dots with great financing.

THE BIG IDEA

While some newer real estate in-vestors were griping about access to inventory as we turned the corner into 2015, B2R Finances Dwell acquisition and investments in product develop-ment suggest bullishness on the US markets future. Weve already seen a significant spike in foreclosure ac-tivity and distressed properties being leaked onto the market in early 2015.

Jason Hogg told Realty411 that the firm sees a huge growth opportunity, worth billions of dollars. In fact, Hogg says the firm has seen demand for in-vestment property loans nearly double as of May 2015.

B2R Finances CEO describes the opportunity as being ideal for profes-sionals like doctors, lawyers, dentists, and professors looking to achieve higher yields. He points out the com-bination of yield and income from an appreciating asset as a far better option for these intelligent individual investors, in addition to professional investors and investment firms. He goes on to highlight how the newly

upgraded B2R-Dwell tool chest auto-mates management to make investing radically easier.

THE LENDING LAB

So where does B2R come up with these innovative products, and whats next?

A peek inside the mortgage lend-ers offices reveals that this company

is nothing like the stuffy, dark bankers corner offices of the past. This is more like Airbnb and Uber meets mortgage lending. In addition to the Dwell Fi-nance acquisition, Jason has headed up a three-pronged approach to driving entrepreneurship in mortgage lending in-house.

This includes: 1. Active listening 2. The Idea Incubator 3. The Lending Lab

There are few, if any other firms where youll catch executives, including the CEO, active in the trenches alongside their frontline team members. Hogg

says he loves listening in to the origi-nation team in action in the Charlotte office, as well as sitting next to the due diligence staff clearing loans for fund-ing. It is this connection to the daily me-chanical challenges and client that will certainly help B2R retain an edge.

The Idea Incubator is where team members get to pose their own sug-gestions for improving operations and delivering better solutions. The Lend-

ing Lab is where Hogg has assem-bled a team of experts from a variety of other industries to pioneer new loan programs for investors. It is here that dynamic agile development happens and new pilot programs are launched for live testing with clients.

The CEO says that one of the new game changing product tools coming out of this lab is harnessing the power of predicative analytics, and algorith-mic approvals. By summer 2015, this is expected to be revealed in the form of Instant Pre-Qualification using just seven fields of information. The result is to be an even more effi-

A peek inside the mortgage lenders offices reveals that this company is nothing like the stuffy, dark bankers corner offices of the past. This is more like Airbnb and Uber meets mortgage lending.

Continued on pg. 38

Here Comes the New Guard, pg. 9


The real estate busi-ness is buzzing with talk about fundrais-ing and the SECs new Regulation A+. But what is it really? Is it right for you? Can you test drive it before taking an acciden-tal detour, and how do you stay out of jail?

If anyone knows the answers to these important questions it is Gene Trowbridge, Esq., CCIM. Trowbridges California law firm Trowbridge, Taylor & Sidoti was responsible for almost 50% of Reg-ulation A real estate offerings filed between 2008 and 2013. In fact, Gene Trowbridge has been helping launch real estate syndications for 21 years. The media and real estate circles have be swirling with news of the SECs recent ruling on Regulation A+. Reg. A+ is a part of the JOBS Act. However, Gene warns inves-tors and sponsors not to overlook the ongoing benefits of 506c and Regulation A fundraising. Its really all about finding the right fit for you, and your investors. Unfortunately,

the recent storm of press has often made it sound as if everyone has the green light to just go out and raise money from the crowd for whatever they like from burritos to mortgage notes and apartment buildings. But this California attorney suggests you get some counsel, and do some real planning and budgeting, at least if you want to stay out of jail.

BEFORE YOU RAISE A DOLLAR

It should go without saying, but talk to an expert. As in the real estate industry, many legal firms are rapidly trying to position themselves as pros in this arena. If youve ever done a real estate or note deal, or launched a business, you already know there is a giant gap to bridge between theory and effective execution. When re-searching and interviewing law firms Gene recommends looking for flat fee pricing, and checking references. An attorney that is upfront in telling you even the advice and facts you dont want to hear, rather than just trying to win you as another client can be a good sign too. If you sit down for a consultation on creating a syndication or fundrais-ing with Gene he says hell walk you through which is the best legal entity to use (i.e. an LLC), which regulatory

laws are easiest for you to navigate (Reg. D, A, or A+), and can assist in strategizing the deal structure on both the front and back end.

STAYING SAFE WHEN RAISING FUNDS FROM THE STAGE

Many, many fundraisers have gotten themselves in trouble when publi-cizing their offerings and investment opportunities. More often than not this can be because they simply dont know better, and didnt seek comprehensive legal counsel in advance. Of course, that isnt an excuse that is going to fly with any judge. Nor is the fact that everyone else is doing it. Trowbridge reminds us that breaking securities laws is a serious criminal offense. Many just dont realize that when they

The NEW RULES of the Fundraising GameAn exclusive interview with Gene Trowbridge Esq., CCIM on the New Real Estate Crowdfunding Landscape

CAPITAL


Continued on pg. 38

By Tim Houghten

By Sandy Fox

Our 5th Annual Los Angeles Real Estate In-vestors Expo will feature some remarkable experts. On that day, we will spotlight Rebec-ca Rice and Jim Beam, industry leaders in a little-known financial area. Theyve perfected a way to turn a unique and specific

kind of life insurance policy into a reservoir of money you can use to simplify your real estate investing. More than that, the strategy actually compounds and increases the ROI on your investments.

A Financial Vehicle That Compounds Your Investments

When you hear from Rice and Beam youll find a finan-cial vehicle beyond what most investors use. Typically investors turn to cash, mortgages, private lending or a combination of the above. Each has its own costs and limitations.

Beam, who started as a real estate investor in Florida said, We worked awfully hard to make our money. And it seemed like someone was always standing there at the end of the day with their hand out to take our money. Clos-ing costs, fees, taxes, interest rates. He felt there had to be a better way.

His search led him to Rice and her specially constructed policies. He learned a way that he could:

Keep his money safe and private Borrow money at low cost or net-zero cost Avoid credit checks and bank approval for loans Gain tax-free retirement income Loan his business money and save on taxes Pay off debt faster Create an emergency fund that earned interest four times higher than most banks pay

He now helps other real estate investors learn how to take advantage of this system. This type of insurance poli-

Meet Your Creative Financing Experts:

Learn more with Rebecca Rices book, Multi-ply Your Wealth: Essential Secrets for Financial Freedom. Contact her directly at (501) 868-3434 or www.rebeccarice.net - You can connect with Jim Beam at (239) 591-3781 or email: [email protected]

Rebecca Rice & Jim Beam

Continued on pg. 22


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Attracting Private MoneyDISCLOSING RISK

risk-factor disclosures in their presentations because they are afraid that they will scare away their prospective private lend-ers. They worry that if their potential lender understood the risks, then that person would decide not to invest with them.

However, just sitting back and hoping that everything goes perfectly is not a strong strategy for success. The truth is that many real estate entrepreneurs have ended up in lawsuits because they failed to provide even the most basic disclosure of potential risks.

You should strongly consider engaging a real estate attorney to advise you if you plan to raise capital from private individuals. I am not an attorney, and this does not constitute legal advice. That being said, I have attended numerous real estate conferences and seminars on the topic of private capital, and I have seen many examples of risk disclosures ranging from simple ones to explanations that were long and compli-cated. As an example, for my mortgage pool fund, I provide prospective investors with a memorandum that includes over twenty pages of risk-factor disclosures.

The fact is that there are basic risks that you should be dis-closing to your investors. Those disclosures should be includ-ed in any write-up you create for the purpose of raising capital from private individuals.

You dont disclose these risks to your potential investor to scare them away. You disclose them so that the investor can make an informed decision. Risk factors you might discuss









An excerpt from The Insiders Guide to Attracting Private Money: Five Secrets to Fast, Unlimited Capital So You Can Save Money, Buy More Real Estate, & Build Wealth, by Mark Hanf, President of Pacific Private Money.

When you seek to attract capital from private investors, you need to disclose the risk in-volved in your proposed project. The reasons you need to do so are several, but one of them is that you are asking people to lend you a portion of their life savings, and they are entitled to know what hap-pens to that money in the event that you exit the picture.

The fifth question we answer in The Five Steps to Mon-ey Method, What happens if you disappear? is asking much more than just What happens if you get hit by a bus? Disclosing risk is a very important yet often over-looked or ignored piece of the private lending equation.

That is, risk disclosure is often overlooked or ignored by borrowers. Your prospective private lender, on the other hand, is absolutely thinking about the risks of investing with you whether you bring them up or not. And what that prospective lender wants to hear from you is, What are the risks, and what are your plans if things go wrong?

You can answer this question by showing your lender how you are structuring your company and what measures you are taking to protect that individuals investment. For example, who on your team is positioned to take over in the event that something happens to you? If you can address this question and others like it, you will show your potential lender that you have thought this through, and that you take the protection of his or her capital investment very seriously.

The level of detail that you go into when disclosing risk is up to you (with sound advice from your real estate attorney). But the most basic risk disclosure essentially boils down to this message:

YOUR INVESTOR COULD LOSE SOME OR ALL OF HIS OR HER MONEY.

That is why disclosing risk is such an important factor when you create your investment opportunity presentation. Addressing and disclosing risks in your presentation will make you look professional and thorough, just as the other important components that we have discussed so far in this book have done.

Many real estate investors dont want to include Continued on pg. 26

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Two of the Best Tactical Minds in Investment Property Financing Team UpThe new Bighaus-Chapman mortgage alliance offers a new capital partner for real estate investors navigating financial purgatory. The new merger brings together two of the best tactical and stra-tegic minds in the mortgage busi-ness, with the backing of one of the largest and fastest-growing mortgage lenders in the U.S. And intelligent investors are finding an interesting match in leveraging the business partnership that packs a ton of value.

YOUR GUIDES THROUGH FINANCIAL PURGATORY

Steve Bighaus, Security National Mortgage Company Branch Man-ager, says that the new underwrit-ing inquisition is here to stay. And it could get worse!

Whether it is new appraisal sys-tems that have been created to generate additional revenues for other providers, or demanding a written, verified, and quality con-trolled confession of your lifes deeds, there is a new status quo in underwriting. While in some ways it has become easier to qualify for a loan on the surface, getting from loan application to closing may take an army of 300 Spartans guid-

ing you home with sharp spears and oversized shields. So while CoreLogic reports there are still some almost 15 million underwater and under-equi-tied homes in America, in addition to a fresh batch of foreclosures in 2015,

real estate investors still need a fearless and wise guide to un-lock the potential out there, and optimize financial leverage.

Continued on pg. 19


STEVE BIGHAUS (IN WHITE) AND AARON CHAPMAN

(IN BLACK) EXPLAIN THEIR VIEWS ON FINANCE.

By Tim Houghten

Steve Bighaus has over 24 years experience in the mortgage industry. He maintains a focus on servicing the real-estate investor by offering aggressive financing options and resources for buyers interested in purchasing or refinancing their investment property. By concentrating on investment properties and the financing that comes with them, Steve is recognized nationally as an industry expert. The knowledge that he has enables him to find financing for people even when they have had difficulty elsewhere.

This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicants eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant. Security National Mortgage Co. is an Equal Opportunity Lender.

NMLS#: 112825

Contact Steve BighausSenior Loan [email protected]

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THIS IS WHERE STEVE BIGHAUS AND AARON CHAPMAN COME IN...

Merging two SNMC branches together these mort-gage masters offer a stark contrast, that stand out on the investment property financing landscape. They are instantly recognizable, have a very unique style, and yet perhaps most notable is the fact that they have been in the mortgage business for longer than anyone else youll probably ever meet. They have both been in the financial industry since well before 2000, which gives them a veritably unrivalled edge in experience in an industry where it is hard to meet anyone that started before 2008. But it is often their mental agility, and refreshing commitment as long-term business partners to their investor clients that make them highly-prized assets.

THE MINDS BEHIND THE MONEY

To not just survive this long in the mortgage indus-try, but thrive and grow, and have investor clients coming back for dozens of transactions as they grow their income property portfolios, requires a mind that plays on a whole other level than the thousands that have fallen into the abyss.

In fact; there is no question that more real estate investors would have survived and thrived in the last couple of decades if they had paid more attention to how those they chose to do business with kept themselves sharp. Steve Bighaus, who runs opera-tions in Washington state, says he is religious about hitting the gym, as well expanding his love of mu-sic from the drums to learning the vibraphone, and experimenting with jazz improvisation. Aaron Chap-man who heads up the Mesa, Ariz., office survived a crushing motorcycle accident in 2008, yet continues to volunteer with the local Sherriffs Office Volunteer rescue unit. His specialties include technical-high angle, off-road rescue & extrication, as well as be-ing a member of their elite six-man helicopter rappel team.

These are battle-hardened warrior financiers and tacticians that know how to help investors strategize to stay ahead of the game, assess and successfully navigate calculated risks, and win the long race.

THE VALUE OF THESE CAPITAL PARTNERS

The Bighaus-Chapman mortgage team offers intel-ligent property investors a specialized team to aid in optimizing and growing their portfolios, to hit their individual goals, no matter whether that is having un-limited money to make it rain, or fulfilling philanthropic aspirations.

Aaron explains: The business is evolving to need spe-cialists. If one hits their head and has complications as a result, they dont have the family general practitioner perform brain surgery in his office. Their situation re-quires a specialist. Not just any specialist, but they want the best. Investment lending is no different. Why go to a general lender who offers any kind of program available when there are specialists in what they need?

Steve Bighaus describes the mortgage company coa-lition as a holistic service that aids investors in getting from where they are, to where they want to go, and incorporating all of their real estate financing from residences to second homes, to rental properties, and even commercial properties.

Specifically this financial duo act almost as business partners or your CFO, only without having to take on the burden of a giant salary or having to give up a share of your investment portfolio. They provide assistance in financial tactics, the heavy lifting and manpower to get it done, and the capital. Investors just pay the inter-est and borrowing costs.

Discover more about this dynamic team and the in-vestment property loans offered, visit online at http://BighausChapman.com.

Two of the Best Tactical Minds, pg. 17


BAWB & Realty411 Invite You to the:NAPA VALLEY REAL ESTATE EXPO

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REAL ESTATE FINANCE TECHwww.Realty411Guide.com/EVENTS

BAWB & Realty411 Invite You to the:NAPA VALLEY REAL ESTATE EXPO

Embassy Suites Napa Valley1075 California BoulevardNapa, CA 94559 @ 8 am!!

Visit During the Harvest SeasonCRUSH IT in Real Estate,

Business + Life!TOP Companies - Learn NEW Niches Celebrate Our New Issues with Us!

REAL ESTATE - FINANCE - TECHwww.Realty411Guide.com/EVENTS

QUESTIONS? 805.693.1497

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THE PANEL

Realty411-8.5x10.5.indd 1 7/13/2015 10:09:06 AM

cy is not new. Its has been around for centuries andis tried and tested. Currently banks, businesses, and high net worth individuals use it to preserve and grow their money. But Rice and Beam offer a unique struc-ture that makes it a powerful tool for even the small real estate investor.

SHE BROKE THE GLASS CEILING

Rice discovered Nelson Nashs book, Becoming Your Own Banker, over 25 years ago. She recognized the revolutionary technique and became a protg of Nash, building on his philosophy with concrete action plans.

It became her passion to help as many people as possible. I help people see how money really works in the economy. Its often not the way you think it does, Rice says. I love to show my clients how to reduce their debt in an extremely short period of time faster than they ever thought possible.

Through the years shes structured Living Bene-fit policies for people from 21 to 93 years old. Each is unique, Rice says. Ive helped people profit who could only start with $100 a month. And Ive worked with people who wanted to contribute a million dollars a year. Whatever your income or investment goals, you can use this to take control of your money and grow it faster and safer.

Rices passion and dedication to her clients made her extremely successful. She became the first woman to be the top-performing agent at Mutual Trust. Then she went on to break the glass ceiling at Massachu-setts Mutual as the first woman in its 170-year history to become the top life producer. She is also one of only three policy agents endorsed by the Palm Beach

Letter, a financial newsletter.Because she has written thousands of policies

and uses many of them herself she knows every nuance of how to structure it to benefit you.

YOU NEED AN EXPERT

On the owners side, a policy looks deceptive-ly simple and is easy to use. But the creative side takes an act of genius to give you all the benefits and advantages necessary to use it effectively in your business and investing.

Rice always learns what her clients goals are. Then she tailors a Living Benefits policy specifically to meet those goals. Some want a pool of money to run their business. Others need free access to money for real estate investing or hard money lending. And some have their top goal to safeguard their wealth and transfer it to the next generation.

Its possible to accomplish all those goals with-out invading lifestyle money, Rice says. Lifestyle money is what you live on after paying your bills and Uncle Sam. Rices brilliance is that she frees up mon-ey for you to invest from other sources. Often its from the debt payments you are already making.

PUTTING YOUR POLICY TO WORK

FOR YOU

The simplest way to use your Living Benefits pol-icy is with hard money lending, Beam says. There are hundreds and hundreds of folks out there who are in need of hard money lending. Beam works through organizations that send out leads for people who want to borrow the amount of money you have to in-vest whether thats $10,000 or $150,000 or more.

And the Living Benefits policy creates a vehicle to amplify the investment. You borrow against your policy at 5% and you put it out on the street to go to work at 10% or 12% plus points, Beam says. But youre still earning 5% on those same dollars within in your policy! Wow, what a platform to work from!

Beams strength is that he can guide real estate investors in the best ways to take advantage of this platform for their specific goals.

There are a number of ways to take advantage of the policy. One of their clients buys HUD houses to rehab and rent.

Although her Living Benefits policy is only a few years old, shes been able to use money from her policy to cut costs and increase returns. Used for a down payment for a conventional loan

Continued on pg. 36


Meet Your Creative Financing Experts, pg. 12

Vol5No.2.indd 22 8/15/2014 7:57:37 AM

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Attracting Private Money, Disclosing Risk, pg. 15

PAGE 26 2015 Private Money411

could include things such as: changes in the real estate market cash flow problems conflicts of interest an unproven real estate investing company (if youve never done a deal before)

CHANGES IN THE REAL ESTATE MARKET

Your opportunity presentation is based on a set of assumptions. Those assumptions include things like mar-ket demand, potential market appreci-ation, and an estimate of the increase in value as a result of your planned improvements.

However, the real estate market is subject to cycles that can affect the marketability, pricing, and days-on-market estimate of your project. Real estate can and does decline in value as a result of certain market forces. Ris-ing interest rates, job growth, jobless-ness, new inventory, and other factors can contribute to a drop in demand and prices for real estate in a given market. Your prediction of how well your proposed project will do should be based on a careful review of local market conditions, but you cannot

guarantee that the results you predict will be realized.

CASH FLOW PROBLEMS

You have proposed a budget and a spreadsheet to your lender that shows your sources and uses of funds. But what if you come across significant and unexpected cost increases? Do you have the ability to cover them? Typically, your money partner will not be under any obligation to fund addi-tional costs beyond the agreed-upon budget unless you bring this up in your written agreement beforehand. If the project stops as a result of running out of cash, you could be faced with mounting costs and declining profits as time goes on.

CONFLICTS OF INTEREST

Are you planning to dedicate 100 per-cent of your time to this one project with your prospective money partner? Or do you have other projects or work obligations that might be construed as conflicts of interest? You can make a statement in your presentation that gives your lender notice that, while you are dedicated to the success of this endeavor, you are nonetheless free to pursue other business ventures or obligations, as well.

UNPROVEN REAL ESTATE INVESTING COMPANY

If you are new to real estate investing or if you have formed a new compa-ny to pursue real estate investments, you may not have a track record of success. In that case, your business model is unproven.

Changes in the market, cash flow problems, conflicts of interest, and an unproven real estate company are just a few examples of the risks that you may want to disclose to your lender. There are many others that you can

identify and include in your propos-al to give your investor a complete picture of what the project will entail. A qualified real estate attorney is an integral component to your team and should be consulted to assist you in drafting an appropriate disclosure statement.

I have been telling you to always put the best interests of your private lender first, but the fact of the matter is that a primary purpose of your dis-closure statement is to protect you in case your lender chooses to sue you. If you can demonstrate that you dis-closed material risks to your private lender before that individual invested with you, should things not work out as planned, you will be much better protected in a court of law.

Excerpted from the book The In-siders Guide to Attracting Private Money by Mark Hanf, available at www.AttractingPrivateMoneyBook.com. Mark is president of Pacific Pri-vate Money Inc., a California-based hard money lender who has raised over $200 million in private capital since 2009.

Realty411EXCLUSIVE

MEDIASPONSOR

Getting started as a new Real Estate Investor or to bring your existing business to the next level of success will generally require investment capital. More and more investors are taking advantage of using private lenders to achieve their business goals. The advantages of using a Private Lender over conventional lenders or Hard Money lenders can be summarized as follows:

You may be able to agree to terms more suitable to you

You may be able to finance 100% of the project plus expenses (many tra-

ditional banks and lenders will require you to have some skin in the game)

Less underwriting scrutiny of you and the particular project

Quicker response Avoid the oversight that many

lenders are now putting in place during the life cycle of the project

Private lenders may not require you to have any documented experi-

enceFinding Your

Private Lenders Once you have decided that using a private lender is the right and perhaps the only possible direction for you to take, it is now time to ex-plore your oppor-tunities of locating people who may be interested in funding your projects. Generally, a great place to start looking is among your

personal and business circle of influence. This may include the following: Family Friends Co-workers Acquaintances Local real estate groups

I do get some push-back from people when I suggest that they approach family and friends for investment capi-tal because some feel uneasy asking them for money and the possible implications if things

dont work out exactly to plan. Just keep this in mind, you are asking them to participate in a business opportunity, not a hand out. Furthermore, many of these people are already taking some form of investment risk; so why not in you?

Keep it Legal and Get it Down on Paper

Just because using a private lender may be a simpler and less formal pro-

cess than what you would typically experience with either a Hard Money lender or conventional lender, this does not mean you will forgo all of the required docu-ments and due diligence that will protect both you and your private lenders. Make sure to discuss the terms and conditions of the private loan with your attorney and have them

prepare all of the necessary documents. It is always advisable to encourage your lender to also have their attorney review the documents.

Positioning Yourself as a Solid Borrower

Even if you personally know the people who will be providing the capital to fund your project, this does not take you off the hook from properly prepar-ing yourself as a reputable borrower. There are some characteristics that your lenders will be expecting from you and include the following:

Knowledge of the Business Even as a new investor, it will be critical for you to have the basic skill set in order to effectively analyze opportu-nities that may come your way. In the excitement of the hunt for your project, you will need to know when it is time to move forward or pass on an opportuni-ty.

In fact, as part of your discussions with your lender, you should illus-trate why the project is a solid deal by sharing the assumptions and results you

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Vol5No.2.indd 54 7/4/2014 9:37:59 PM

pletely achieved, you should elaborate on the root cause. Evaluating lessons learned can be a great way to mitigating future errors on the next project.

Have an Exit Strategy

As part of your overall project or business plan, you may need to consid-er your exit strategy from the private lender in advance of moving forward

with them. There are generally a few options to consider when

exiting private money that include: Selling the property upon completion of a ren-ovation, the lender will be paid from the proceeds (this is common with a

Rehab and Flip project) Refinance the property

with a cash out conventional mortgage (this is very common on

a Hold to Rent property) Repaying the loan from the sale of other assets or investment sources

In conclusion, building a solid base of reliable private lenders will help set the stage for you to respond very quick-ly to the opportunities presented, This can clearly be the path for you to scale the business as large as you want! Once the people in your network actually see that you have the bandwidth to move forward they will bring you even more opportunities.

Carl Schiovone is a Performance Coach with over 33 years of experience and is President of Carl Schiovone & Associ-ates Real Estate Coaching Inc. In addi-tion Carl is the President of East Coast Real Estate Investors Association. For information, visit http://EastCoastREIA.net or http://CarlSchiovone.com

have made. In addition, you should pro-actively identify the barriers and risks you may face and how you plan on mitigating them.

Remember, by identifying this upfront you will go a long way. Keep in mind that most lenders (or their at-torney) will inquire about risks anyway, and it looks much better coming from you without being asked. As part of your Business Plan, you should have identified all skill set shortfalls you may have and include a specific action plan on over-coming the deficien-cy. If you are a new investor with no or limited experience, it is advisable to have someone who can shadow your decisions and path and guide you along the way.

As a Performance Coach, all too often I see new investors jumping into their first project without the proper skill foundation and many experience some challenges that could have been prevented.

Transparency If there is one thing that can ruin any business relationship is holding back in-formation that is critical to your lender. With real estate investing, things may not always go to plan.

However, what is important here is how and when you communicate when there are challenges. Always share information that affects your lenders as soon as possible and during that discussion, communicate possible ways to get back on track and avoid a future re-occurrence.

Credibility In order for your business to grow and

continue to have your lenders coming back for more opportunities, it will be critical to leverage off of the success of prior projects. Once they see what you can do and have performed as planned, you will find that the people around you will be literally throwing more money your way. In addition, they will be ask

ing if they can bring their family and friends along as well. Talk about free marketing, it doesnt get any better than that!

I cant tell you how many times I have seen this play out with my Students. Properly documenting your past performance in your Credibility Report will go a long way in securing new lenders. As a great way to demon-strate your performance is to invite your lenders and potential new lenders to your projects both before you get started with the project and after it is completed.

During this time you can share with them both the initial expectations and how the final results compared. Just think how powerful this can be. During this exchange, if the specific perfor-mance you were planning was not com-

I cant tell you how many times I have seen this play out with my students. Properly documenting your past performance in your Credibility Report will go a long way in securing new lenders.


Colony American Finance Wants to Jumpstart Your SFR PortfolioDo you think that you might have missed the boat to invest in single-family rental homes? The answer is a resounding NO! We all remember 2005-2007 when it seemed that investors couldnt make a mistake in the residential fix and flip market. Investors with little experience were able to outbid the competition, slap some minor paint and carpet improvements and then sell their properties for incredible returns. But then the bubble burst and many investors were left with homes that couldnt be sold or in some cases, even given away. They had two choices: Give up the properties through foreclosure or become a landlord.

RENTAL DEMAND OUTPACES EXPECTATIONS

Statistics show that nearly 35% of Americans now rent instead of own. Drill further into the statistics and youll find that 35% of renters choose single-family homes and 19% choose duplexes, triplexes or fourplex-es. With these two categories encompassing 54% of all rental choices, it makes perfect sense that investors are looking to 1-4 unit properties instead of owning larger multi-family apartment-style buildings; 1-4 unit properties have a lower price point, the ownership risk is spread out among multiple structures and the overall expense ratio is lower. Renters in single family housing tend to pay their own utilities, maintain the landscaping themselves and have access to municipal water/sew-er/garbage at a much lower rate than through private service.

Rental demand is projected to change significantly over the next ten years, primarily driven by the changing nature of the household. Baby boomers are moving in with their children or into senior housing and millennials are favoring renting over owning because of its flexibil-ity and lower commitment level. Being well versed in the changing market is the key to having a profitable portfolio.

Also noteworthy is that there are an estimated 14 million rental homes owned by non-institutional inves-tors in the United States most of which are owned free and clear. Quick math: Using 14 million rental homes at an average value of $100,000 each, thats potential-ly $1.4 trillion in new loans that can be originated and re-invested into the market.

Colony American Finance has multiple financing op-

FINANCE

tions available so you can access your portfolios equity and quickly put it to work to buy additional properties, invest in your childrens education, or simply replenish your cash position.

KNOWLEDGE IS POWER The savviest investor will do three things: research, research and more research. Mortgage brokers and real estate brokers have invaluable information such as market trends and vacancy rates as well as access to properties that might not be listed for sale. But its significantly more critical for investors to have access to capital: Both liquid cash and innovative financing. No longer is the SFR rental market monopolized by private money loans with steep interest rates and fees or the more traditional Fannie/Freddie product that caps out at 5-10 properties. Colony American Finance pro-vides non-recourse term loans for stabilized portfolios and fix and flip lines of credit for acquisition funding.

FIX/FLIP LINES OF CREDIT If you want to grow your portfolio or perhaps dont yet own a rental portfolio, a line of credit is definitely the right choice. Colony American Finance offers two differ-ent line of credit options depending on investor experi-ence and short-term/long-term goals.

Our Entrepreneurial Line of Credit is a non-revolving, declining line designed for the investor who does less


Continued on pg. 34

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are dealing in mortgage notes, and pools of properties in different jurisdictions, that they can unknowingly be trading securities. If you think its a joke go ask Bernie Madoff who is serving a 150 year prison sentence. And the truth is that this life sentence is nothing compared to the other consequences he is dealing with. If you are working under a Reg. A filing you need a permit. Under a Reg. D Rule 506c filing you need to stick to raising money from accredited investors. And even under Reg. A+ you need to get approval before taking in money from investors. And Gene says that youd be surprised at how many SEC investigators are patrolling investor groups, workshops, the internet, and magazines to look for those violating advertising and fundraising laws.

HERES THE HACK While it is important to stay on the right side of the law, invest in legal counsel, allow sufficient budgeting for marketing and promoting, and to be very careful about staying within the guidelines, there is no question that Regulation A+ does appear to be a huge win for inves-tors, fund operators, and the public. In fact; Trowbridge sees the broker-dealer community embracing Reg. A+ in a big way due to the ability to raise up to $50M a year in mini-IPOs, and favorable auditing rules. The impact is likely to include more cash in the economy, more competitive offerings for investors, and attractive returns. For those that are concerned about the paperwork,

than 20 fix/flip projects per year and only within the 1-4 unit residential arena. Line amounts start at $500,000 and go upwards of $5,000,000. Borrowers have 12 months to utilize the proceeds and 12 months to pay back each draw. This loan has no prepayment penal-ties.

For the more active investor, our Institutional Line of Credit offers additional flexibility as it allows for both residential 1-4 unit properties and commercial prop-erties up to 20 units. The Institutional Line of Credit is also a revolving line, meaning you can access the funds multiple times. Line amounts start at $3,000,000 and can go as high as $50,000,000. Borrowers have 12 months to access the proceeds and typically 9 months to repay each draw. This is a non-recourse loan and has no prepayment penalties.

Also important to note is that you can utilize either the Entrepreneurial or Institutional Line of Credit to build your own personal rental portfolio. Once you have completed the renovations on your fix/flip proper-ties, you can look to refinance your holdings into one of Colony American Finances term loans.

NON-RECOURSE TERM LOAN OPTIONS If your SFR rental portfolio has five or more prop-erties, Colony American Finance is your option for attractive financing options. Our loans are underwritten like a commercial loan, which means no more debt-to-income ratios hurting you when qualifying. Rather, your portfolio is underwritten on the assets and the cash flow generated from those assets. Plus, because we lend across the U.S., a single term loan can be made on portfolios with holdings in multiple states.

Our rates are competitive with traditional FNMA loans, are amortized over 30 years and can be fixed for five or ten years. Our loan amounts start at $500,000 and can go up to $100 million and almost all term loans are available on a non-recourse basis. Important too, is that borrowers can have multiple tranches of loans to facilitate estate planning or property manage-ment issues.

REGIONAL STRATEGIES Auction.com recently released data that showed investors are favoring buy-and-hold strategies over fix/flip on a nationwide basis, but that investor intent varies between online/offline investors, regions, and property prices. Midwesterners and Southerners are more likely to buy and hold whereas those in the Northeast are more likely to fix/flip. Investors in the western states are evenly split between fix/flip and buy/hold strategies.

Jumpstart Your SFR Portfolio, pg. 31 The NEW RULES of the Fundraising Game, pg. 11


Continued on pg. 36

GENES QUICK TIPS FOR INVESTORSTO STAY SAFE

These presentations can be extremely attractive for end inves-tors. So far the majority of crowdfunding projects that have been funded seem to be working out. But not all will. So how can you stay safe when investing in these opportunities?

Be thorough in due diligence upfront. Understand what pools of properties or notes include. Look at the track record of promoters. Check them out online, and watch out for SEC Cease and Desist orders. Pick up the phone and talk to sponsors if you get nervous.

Continued on pg. 38

NETWORK, LEARN, GROWThank you for your interest in the Lone Star Real Estate Investors Expo. Since 2006, the Realty411 publishers have owned multifamily rentals in Texas, their mission with this Complimentary Real Estate Investors Expo is to provide those who are interested in learning about

real estate the opportunity to increase their knowledge and contacts in person. Our VIP tickets featuring reserved seating are available for only $49. Plus, in the spirit of Thanksgiving, net ticket proceeds will be donated to the local Salvation Army. Top industry speakers joining us from throughout the country include: Dennis Henson, John Jackson, Dolf de Roos Brad Sumrok, Arnie Abramson, Tom Wilson, Tim Herriage, Merrill Chandler, Randy Hughes, Anthony Patrick, Reggie Brooks, Pat James, Geoge Antone, plus many more soon to be announced.

LONE STARReal Estate ExpoArlington - Nov. 21Give Thanks, Give Back

Successful Investors from Around the Country Unite for ONE DAY in Texas!

The Lone Star Real Estate Expo Raises Awareness and Donations for the Salvation Army.

To Register or Learn More Visit http://Realty411guide.com/events

Realty411Guide.com PAGE 29 2012 reWEALTHmag.com Realty411Guide.com PAGE 28 2012 reWEALTHmag.com

I dont recommend being a real estate investorun-less you have a well-de-fined strategy, quantitative goals and are dedicated to go by the numbers and not by unsup-ported advice or emotions.

My engineering training and 30 years of experience manag-ing high tech profit centers in Silicon Valley taught me how to analyze for the best return on investment in any mar-ket.

Today, the principles of analysis remain the same. Anyone can do it, however, one needs to be very disciplined and educated about the submarkets and products, or ride the coattails of someone who is.

The primary parameters for selecting the best investment markets are:Rent to purchase price ratioPopulation growth and inward migrationEmployment growth and business climateHousing affordabilityLocationCost of livingRental marketCurrent and projected market conditions

Now that speculative investing for fast profit has gone the way of the last super-model, the wise investor is focused on cash flowing assets and safe harbors.

Are there markets that have weathered the down-turn well, are superior in many of the parameters above, and have had rela-tively calmer waters dur-ing these past few tumulus years? Indeed, my experience in more than 1800 unit transactions over 35 years

has revealed that Dallas / Fort Worth is one of the best real estate investment markets in the United States; that is why I chose it for most of my personal portfolio long term holdings.The strengths of Dallas / Ft. Worth are:Business and financial capital of the South. The highest rent per invested dollar for a major economic center in the United States, and therefore, the highest cash flowOne of the lowest risk and safest harbors in the United States for real estateLowest decline housing price from peak; the only US single digit depreciation met-roFourth largest and one of the fastest grow-ing MSAs (Metropolitan Statistical Area) in the United States. Projected to double population to 12 million by 2030Broad-based economy that has had double the employment rate growth of the United States during the past decade

No. 1 ranked business cli-mate in the United StatesNo state in-come tax L e a d i n g MSA for cor-porate head-quarter relo-cations and expansionsSecond lead-ing MSA in US for For-tune 500 cor-

porate revenueMost affordable housing of top 20 cities ($116,000 median Q3 2011)Central location in the United States at-tracts companies desiring time zone and distribution competitive advantagesDFW airport is the third busiest in the worldOne of lowest cost of living major MSAs, yet above average household incomeHighest millionaire growth rate in the United StatesStrong rental market (95% occupancy Q4 2011 for single family homes)Very landlord friendly

Yes, the national economy crisis has affected even DFW, but not significantly compared to other MSAs. Texas is the sec-ond most populous state, so there are in-deed many home foreclosures, especially since there is such low housing costs and consequently a high percentage of govern-ment backed loans, but in spite of this, the Texas delinquency and foreclosure rate is relatively low compared to other states. I believe that these factors are another strong indicator of whether a metro has hit bottom yet, and that many cities and states have farther to go, so selecting the lowest risk metro is as important as seeking high current cash flow.

During the last two decades the appreci-ation average was about 5% per year. With a 5 to 1 leverage with 80% loans investors got a 25% return on their down payments in addition to the high cash flow. Histori-cally, the last economies to slow down, are the first to go back up.

I dont know when DFW will start ap-preciating significantly again, but I believe it will be before many other areas, and our window of opportunity to invest optimally in any leading area may be shorter than we think.

In this economy I prefer to invest in homes over commercial and multifamily products because homes have more liquid-ity, are generally lower risk, appreciate faster, and one can build a mutual fund by buying in various neighborhoods rather

than putting a lot of eggs in one address. Even in a good region, one must be very careful though in selecting the right product, neighborhood and professional service and management team. Make sure you rely on resourc-es that have a lot of investment experience in that region.

If Ive learned anything in investing, it is that variations

Why Dallas / Ft. Worth is One of the Best Metros in the US

in performance from the me-dian can vary tremendously in any general geographical area, and only experienced profes-sionals can help you minimize that risk. I believe that the wise will not wait and see, but act to grasp the best opportunities of our lifetime before they are gone.

by Tom Wilson

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Parachuting surely is a dif-ferent experience than reading about it!

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Price $139,000Rent $1,395

Year Built 20014 Bed 2.5 Baths

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TOM WILSON, [email protected] TomWilsonProperties.com

Price: $110,000, fully renovated, built 2005Currently Rented for $1,195

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Tim Rood to Deliver Keynote at Private Lending ConferenceThe American Association of Private Lenders (AAPL) announced that Tim Rood will de-liver the keynote address at the 2015 Amer-ican Association of Private Lenders Annual Conference. The Conference will be held November 8-10, in Las Vegas, Nevada and features over 25 presentations, panels and work-shops addressing a broad spectrum of personal real estate finance topics.

Rood is Chairman of The Collingwood Group, which he co-founded in 2009. Rood was co-founder and managing director of the firms predecessor compa-ny, Capital Financial Solutions. Earlier he was Vice President of First American, where he successfully led the companys professional services group tasked with creating business solutions for the top ten lenders in the country. Rood served as Director and Principal of Fan-nie Maes eBusiness Division. He has more than two decades of mortgage industry experience which has made him a highly sought after speaker and contributor to a variety of national media outlets, including; CNBC, Bloomberg Tele-vision, FOX Business News, Washington Post, New York Times, Wall Street Journal, and the American Banker.

AAPLs Annual Conference is expected to attract a large contingent of real estate professionals including; private lenders, residential and commercial investors, investment firms, note buyer and brokers, CPAs, IRA Servicing Companies, as well as other service advisors.

Registration for the Conference is open. Visit online at: http://aaplonline.com to register today.

Meet Your Creative Financing Experts, pg. 22

and saved the cost of mortgage insurance Used for repair costs on the house and avoided the expense and effort of a construction loan Kept an emergency fund that earns 5% or so on that money instead of a banks pitiful near zero rate Used a regional bank for a 5 year balloon loan with much lower loan origination costs and interest rates. She can do that because this system pays off the bank loan in just a few yearswell before the balloon kicks in and interest rates rise

The client says, The best part is that I end up with a house AND all the money that would have gone to mortgage payments!

Can This Work For You?You can learn more about investing in real es-

tate using a Living Benefits policy when you attend national Realty411 events where Rice and Beam will be featured speakers. Plus, look for future issues with articles explaining in more depth how to increase your real estate returns using a Living Benefit policy.

Whatever your investment style, we have the capital for either strategy. Its an exciting time to be an inves-tor; trends indicate that the rental market will continue to improve over the next decade. Colony American Fi-nance is ready to provide meaningful and cost effective financing options for your portfolio.

Colony American Finance (www.colonyamericanfinance.com) is the leading provider of low cost, non-recourse revolving bridge & permanent mortgage financing for owners of single family rental portfolios. Our affiliate, Colony American Homes, owns more than 22,000 homes across the United States, so we approach lend-ing from the perspective of the landlord-investor. Both companies are owned and controlled by Colony Cap-ital LLC, a real estate investment firm with $54 billion invested, including a publicly-traded mortgage REIT. When you work with Colony American Finance, you are talking to a professional, experienced lender who offers competitive rates, knows how to underwrite and get your deals funded. Please call 1844.CAF-CAF1 and visit us at http://www.colonyamericanfinance.com to refinance your rental portfolio or leverage your buying power with a credit line. We have the capital for either strategy.

Jumpstart Your SFR Portfolio, pg. 34


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Here Comes the New Guard: B2R Finance Leads Lending Innovation, pg. 10

cient lending platform which provides low rates and speed in funding, re-quiring the least amount of data, while retaining sound credit decisions. Be-yond the sunnier math of using single credit lines to flip or rehab and man-age multiple properties, this creates a more turnkey financing solution so that investors can redirect their time to growing their portfolios versus man-aging them.

SCALING YOUR PORTFOLIO WITH LESS FRICTION

Both passive investors and real estate entrepreneurs will find loan solutions like these provide the framework need-ed to scale their portfolios while the market is ripest. Looking forward, it is finance relationships and the opera-tional edge which will divide those with

the best net returns and most time to enjoy their gains from the rest.

Whomever investors have been using for leverage until now, it is worth keeping an eye on whats coming out of the B2R Finance Lending Lab. For more insight into the minds and intelligence being in-jected into this mortgage mavericks DNA, check out B2RFinance.com and DwellFinance.com.

going into pools. The benefits to loan level buying include the ability to cherry pick and purchase equity deals. Loans with equity are usually priced at a premium but are consid-ered to be safer. In due time and with experience youll find more loans and more discounts and will be able to buy pools, of which you can choose high or low equity for exam-ple. Time and experience are barri-ers to entry on large trades mainly because banks want to unload pools to reputable servicers that can show their history in the business.

TRIPLE YOUREARNINGS

Sponsor | Exhibit | RegisterHigh-impact exposure. High-quality results. The American Association of Private Lenders Annual Conference is supported by aggressive marketing and an extensive exhibitor program to ensure that your conference investment is as successful as it can be. Contact us today to learn how we can triple your exposure to the AAPL audience.

2015 AAPL ANNUAL CONFERENCE & EXPONOVEMBER 8-10, 2015 | CAESARS PALACE | LAS VEGAS, NEVADAAAPLCONFERENCE.COM | 913-888-1250 |#AAPLANNUAL

The NEW Rules of Fundraising, pg. 34


time, and financial burden of filing to raise funds like this Trowbridge gives us a smart legal hack. That is, using the ability to test the waters. With the help of a good at-torney you can run tests, and solicit letters of interest, and encourage investors to provide their information to receive an invitation. And you can do it online or live on stage at real estate industry events.

GET THE 411+Find out more about safe and effective capital raising at Syndi-cationLawyers.com, and check out the great articles on So You Want to Be a Hard Money Lender for the 25 questions you should be able to answer first, and Powerful Tools to Raise Big Money for the technical details of Reg. D, Rule 506c, Reg. A, and crowdfunding.

N E W I S S U E!

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Raising Capital and Private Money pg. 6For two years, REI Wealth Monthly has been delivering vital industry news, tips and insider secrets to success.REIWealthmag.com

Co-owned by Realty411Advertise in Our New Issue!

TRIPLE YOUREARNINGS

Sponsor | Exhibit | RegisterHigh-impact exposure. High-quality results. The American Association of Private Lenders Annual Conference is supported by aggressive marketing and an extensive exhibitor program to ensure that your conference investment is as successful as it can be. Contact us today to learn how we can triple your exposure to the AAPL audience.

2015 AAPL ANNUAL CONFERENCE & EXPONOVEMBER 8-10, 2015 | CAESARS PALACE | LAS VEGAS, NEVADAAAPLCONFERENCE.COM | 913-888-1250 |#AAPLANNUAL

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