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Ready to start flipping houses?


by Saurabh Shah, Co-founder of InstaLend

L et’s talk frankly at the outset— flipping houses is a huge undertaking. It will require hard work and determination. It will also be one of the most (potentially) lucrative business ventures you’ve undertaken. Success in real estate, as with all success, isn’t guar - anteed. But with the right approach and a few insider secrets, you’ll be ready to build the financial security you’ve dreamed of. In this article we share the lessons we’ve learned at InstaLend—one of the country’s fastest growing private lenders—to help you get started. What Is House Flipping? “House flipping” is a general term. It’s not any single exit strategy, but rather it’s a means to an end: the investor simply connects the original seller with an end buyer. The “flip” refers to the home changing hands. Flipping involves either rehabbing or wholesaling. Rehabbers buy homes under their market value. They typically target distressed homeowners who are moti - vated to sell at a discount, which means higher profit margins and a stronger deal. Once acquired, the home

is brought up to market value through renovations. Some “flips” need a lot more work than others, and the after repair value (ARV) will help you determine how much money should be spent. After renovations, the investor will then proceed to sell the home to an end buyer for more than they’ve spent. Why Flip? There are few better ways to build the life you want. Flipping takes time, patience, and capital. The rewards are time, capital, and the flexibility to live life as you choose. For most of us, that’s more than enough reason to get started. HOWTO STARTYOUR HOUSE-FLIPPING BUSINESS IN FOUR STEPS Starting a house flipping business might feel intimidat - ing, but it shouldn’t. Here’s a proven five-step system to make the process as painless as possible.



Nobody—and I mean nobody—should throw their hat into the house flipping ring without having educated themselves first. You’ve started that journey with this article! You needn’t be an expert by the time you start investing but learning the ins and outs of the industry will set you up for optimal success. Remember: there is no better foundation to a house flipping business than a sound education. STEP 2 ASSEMBLE THE RIGHT TEAM Real estate is a people business. Always has been, always will be. It’s less about properties and more about relationships. Therefore, you can’t expect to make it as a real estate professional without the right supporting cast. If you intend to be a solo investor, the usual rule applies: treat others in the industry how they deserve to be treated. This will pay dividends in the future. If you are going to hire a team, make sure they are a great fit for your goals and bring something new to the table. It’s impossible to start flipping houses without funding. Without capital, there’s no reason to believe you’ll ever be able to land a deal. As a result, you should establish relationships with the right lenders before you even start investing in real estate. Here’s where the “people business” part becomes crucial—start building relationships with a lender now, even before you’re found your first property. At InstaLend there’s nothing we love more than working with investors at the earliest stages of their real estate dreams to figure out what’s possible. These are the kinds of relationships that can make all the difference as you’re getting started. You’d be surprised how many investors we meet who don’t have a clear end goal in mind. What do you want to achieve by the time it’s all over? How much of your life are you willing to invest in success? How will you know when you’ve reached it? The answers to these questions will give you great insight on how to proceed. STEP 3 LINE UP FINANCING STEP 4 IDENTIFY YOUR ENDGAME Learn one segment and learn it well. Become the best in your area. And then build on that success. There’s an old proverb that says “If you chase two rabbits, you won’t catch either one.” Take that lesson to heart as you begin.

Flipping takes time, patience, and capital. The rewards are time, capital, and the flexibility to live life as you choose.

SaurabhShah, Co-founder of InstaLend


The greats all make it seem easy—one amazing deal after another. What’s their secret? Having worked on and observed hundreds of these deals, here’s what we at InstaLend have found that all good investors do: THEY PRIORITIZE RELATIONSHIPS OVER MONEY: Remem - ber the part about real estate being more about people than about properties? Who you know is unequivocally more valuable than any amount of money, and today’s greatest investors know that. All the money in the world won’t do you any good if you can’t foster healthy relationships with others in the indus - try. That’s why the best investors spend time on their rela - tionships… even more time than they do on their deals. THEY OFFER A GENUINE HELPING HAND: Nobody wants to work with someone they don’t respect or trust, and homeowners are no exception. Consequently, homeown - ers are more willing to work with house flippers who gen - uinely lend a helping hand. If you take advantage of people, your reputation will pre - cede you (and you’ll become a loathsome person in gen - eral). If you get into flipping to help people find mutually beneficial deals… well, that reputation will precede you. And you’ll also be able to sleep at night. THEY NEVER STOP NETWORKING: Are you picking up on the theme here? Relationships are everything. The best investors never stop expanding their contacts list. They know everyone is a potential source of insight or a hot tip. You never know who will be the catalyst for your next deal.


THEY UNDERSTAND THE POWER OF LEVERAGE: Money isn’t the only determining factor when buying a home. Sometimes homeowners are motivated by something else, and the smartest investors will uncover their needs. Leverage those needs when you’re making your pitch. Good investors will figure out what the owner wants and find out a way to give it to them. THREE MISTAKES TOAVOIDWHEN STARTINGAHOUSE-FLIPPING BUSINESS Sometimes knowing what not to do is just as import - ant as knowing what to do. Here are four mistakes we see over and over again from beginning investors. Make sure you avoid them! NO. 1 HAVING INSUFFICIENT FUNDS Insufficient funds are perhaps the most common mistake new investors make. Whether it’s underes - timating a project or simply not being able to secure capital in the first place, insufficient funds will derail a deal faster than just about anything else. Secure sturdy relationships with those who have quick access to capital and keep them up to date on your deals. NO. 2 HAVING NO TIME Give this business your full attention or close to it. Flipping takes a lot of time—especially as you get started—which means those who can’t commit will find success hard to come by.

NO. 3 LACK OF EDUCATION We started with education and we’ll end with it too. It’s just that important. Learning your industry is invaluable and can unlock nearly limitless potential. But many investors start out with a book or seminar and expect success. It takes more. Much more. Find an expert who’s willing to work with you on the basics. Learn everything you can. Keep learning and keeping up with rules and regulations. Doing so will help avoid the avoidable mistakes. YOUR NEXT STEP In short, here are your priorities—education, relation - ships, and capital. You should work on them in that order. The good news is that lenders offer all three. That’s because we’re passionate about helping you get start - ed on the right track, because we know that a healthy start means the beginning of a long-lasting and fruitful relationship. At InstaLend we’ll even set up a free consul - tation to answer your questions and give you resources to launch your business, with no strings attached. And because we want to be as accessible as possible, you can even call our Founder at 929-523-8947. If you’re ready to set yourself up for success, give us a call. •


GrowYour Real EstateBusinessNationwideAcross Residential 1-4,Multi-Family&Mixed-UseProperties Fast & Reliable Financing for Fix&Flip, Rentals & New Construction Loans GrowYour Real EstateBusinessNationwideAcross Residential 1-4,Multi-Family&Mixed-UseProperties Fast & Reliable Financing for Fix&Flip, Rentals & New Construction Loans

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“In addition to receiving the best loan programs and rates, the customer service, responsiveness and & high sense of urgency “In addition to receiving the best loan programs and rates, the customer service, responsiveness and & high sense of urgency to fund your deal is like nothing I’ve experienced before with a lender.” to fund your deal is like nothing I’ve experienced before with a lender.”

No upfront fees or income requirements No upfront fees or income requirements

Fast lending for your first or fiftieth real estate investment Fast lending for your first or fiftieth real estate investment Knowledgeable in-house experts help you every step of the way Knowledgeable in-house experts help you every step of the way We customize loans to support your specialized needs We customize loans to support your specialized needs

Michael Lofton Owner CMG Investment Holdings, LLC Owner CMG Investment Holdings, LLC Michael Lofton

InstaLend Corporation . InstaLend Corporation .

. 929-523-8947


. 929-523-8947



by Marco Santarelli, Norada Real Estate Investments

So many people do not obtain financial freedombecause they do not have one thing: the right mindset. The rich and the poor not only differ in howmuch they have in their pocket, but also in how they think.

The Rich Believe “I Create My Life.” The Poor believe “Life happens to me.” If you want to create wealth, it is imperative that you believe that you are at the steering wheel of your life; that you create every moment of your life. The Rich Play the Money Game to Win. The Poor play the money game not to lose. Your goal is to have massive wealth and abundance. Be intentional.

Rich Mindsets Always Focus on Positive Attitude. Poor people lack a positive attitude. Focus only on the positive; a negative attitude can hinder good things to happen to you. Rich Mindsets Do Not Flaunt Their Wealth. Poor people show off and live beyond their means. Be content with what you have while you build businesses and portfolios. Rich Mindsets Understand the Value of Education. Poor mindsets are oblivious to the importance of constant learning. You must always learn and update your skills throughout your life. Rich Mindsets Are Better at Risk Management. Poor mindsets often live in fear of taking risks. Be careful to manage risk. Protect yourself from over - spending money on wants. Rich People Build Multiple Streams of Income. Poor people put all their eggs in one basket by being depen- dent on one stream of income. Devote your time to planning your financial future. Rich Mindsets Believe in Saving, Investing, and Multiplying. Poor mindsets splurge on materialistic things and end up saving nothing to invest. You should save about 10 to 20 percent of your net income every year to invest. Do not put off saving for the future.

Rich Mindsets Are Committed to Being Rich. Poor mindsets are uncommitted to being rich.

Be totally clear and committed to creating wealth. Do “whatever it takes” to have wealth as long as it is moral, legal, and ethical. Rich People Think Big! Poor people think small. It is time to stop hiding out and start stepping out. It is time to stop needing and start leading.

Rich Mindsets Are Bigger Than Their Problems. Poor people are smaller than their problems.

The secret to success is not to try to avoid or shrink your problems; it is to grow yourself so you’re bigger than any problem.

Rich People Focus on Opportunities. Poor people focus on problems.

Take responsibility for creating your life and have the mindset, “It will work because I’ll make it work.”

If youwant to get rich, then you need to change yourmindset and begin to see things from the perspective of thewealthy.


Successful Lenders Solve for Exits, Not Payments

by Chase Scott, AlphaFlow

T he chief concern for lenders servicing an existing loan is to create a positive experience for the borrower. That begins at the application process, but it doesn’t end with the funding of the loan. In fact, the borrower experience doesn’t end until the loan is paid in full. The first thing to consider is the exit. As the lender, your focus should be on helping the borrower exit the loan successfully. That requires, to some extent, putting yourself in the borrower’s shoes. With fix-and- flip loans, there are two primary ways borrowers make the exit. One way is to sell the property and the other way is to refinance the loan. In the first instance, the investor has made the necessary repairs and put the house on the market. In that case, they line up a buyer, sell the house, and pay off the loan. In the case of refinancing, many times, the borrower has missed a payment for some reason. More often than not, it isn’t their fault. Either they’ve had a subcontractor miss a deadline, they’ve got an issue with materials and supplies, or some other unforeseen situation has delayed them. Maybe there was a delayed shipment or weather destroyed critical construction materials.

In cases like these, it’s important not to come off like a payment collector. If you’re a borrower and you’re trying to get your crew back to work again, acquire your materials on time, and get your project back on track, you don’t have time to talk to bill collectors. But if someone is calling to help you with solving your problems, you’re more likely to take that call. And you’ll be more cooperative. The goal is not to get the borrower to make an interest payment on the loan. It’s to get them out of the loan so they can get into the next one. HURDLES REAL ESTATE FIX-AND-FLIPPERS MUSTJUMPTHROUGH Property rehabilitation isn’t easy. The fix-and-flipper has a dozen or more concerns going through their head all the time. Property acquisition is the first step. Investors must ensure they buy the right property at the right price. While doing that, they must assess the repairs necessary to get the house back on the market and estimate what those will be. Then they have to manage the construction project. If they do their own repairs, they have to buy materials and make sure they’re delivered on time.


The borrower may be behind on the construction timeline due to unforeseen circumstances. In that case, we offer solutions.

They may even hire a crew to help. Some investors hire a construction crew and serve as their own general contractor. The driving motivation is getting the property back to market as soon as possible. Throughout the process, a variety of different scenarios could interrupt the workflow. A pandemic, for instance, might shut down construction for several weeks or months. In order to start construction, investors must secure permits and licenses. Those cost money, but if government offices are shut down, the process grinds to a halt. Delays could happen for other reasons. General contractors can bail on a project. Or the construction crew can quit. When a project veers from the straight and narrow, it isn’t just the borrower’s problem. It’s also the lender’s problem. And the lender who approaches the situation as a helping hand, to assist in solving the problem for the borrower, is a wise lender. Sometimes, a little creativity is required to help the borrower overcome their hurdles and get back on the right track. HOWTO BEAPROBLEM-SOLVING LENDER AND NOTAPAYMENT COLLECTOR If a borrower falls behind on a payment, it’s important to reach out to that borrower quickly. We don’t wait two or three months and watch the loan go into default. We contact the borrower right away to understand what obstacles they are facing. The better we can understand their situation, the more we can help them. Most borrowers never miss a payment. In that case, we wait until month 10 on a 12-month loan term to contact that borrower. The goal is to prepare them for the exit. The first question we ask is, “What’s your exit strategy?” If they want to sell the property, we get into a series of questions about their vision for that process. We want to know if it’s listed, are they using an agent, and how much they’re listing it for. We also want to know if they have it under contract. If so, we want to know the closing date. We ask these questions to get a handle on where the borrower is in the selling process. Of course, we hope everything is smooth sailing for the investor, but we sometimes find that it isn’t. The borrower may be behind on the construction timeline due to unforeseen circumstances. In that case, we offer solutions. One of the potential solutions is refinancing the construction loan. We can introduce the borrower to our network of lenders ready to refinance fix-and-flip loans. We also know brokers who can find a lender suitable for the project. And we have a list of other investors who can buy a property mid-construction.

Chase Scott, AlphaFlow

AlphaFlow has found that about 20 percent of borrowers will encounter delays that could potentially lead to missed loan payments. Because we approach borrowers as an interested party ready to assist solving their problems, we see the majority of these distressed borrowers exit their loans successfully and survive to take on another project—and another loan. Every Borrower and Every Project is a Unique Situation Borrowers sometimes need other assistance. For instance, when it comes to listing properties, borrowers may find themselves without the necessary resources to list at the right price. If they are independent investors or don’t have access to a real estate agent, they can’t access MLS data. We can educate them on how long properties typically stay on the market in their local area and help them navigate the market by reducing their holding costs and selling at the right price. In New Jersey, for instance, there are zip codes where the average number of days a house is on the market is over 100 days. Some house flippers think they can take on a project, get it rehabbed in 11 months and sell it in 30 days. That rarely happens. With accurate forecasting, we steer investors toward faster selling times, better market prices, and higher margins. And we do this, unlike a real estate agent, without taking a commission on the back end. If a borrower requests to refinance, we go to the original lender first. If that lender isn’t interested, we can direct the borrower to another lender that is a better fit. Our goal is to be a resource for the borrower to ensure a successful exit on their loan. When the borrower exits the loan successfully, the lender wins too. •

Chase Scott is the VP of Operations at AlphaFlow, where he is responsible for all loan servicing and asset management operations at AlphaFlow. As a 10-year mortgage servicing and asset management veteran, Chase specializes in establishing operations and building high-performing teams. Chase graduated from Texas State University.


A Leader in Self-Directed IRA Education QUEST TRUST COMPANY

20,000 active investor clients across the country

Howdy, from the great state of Texas! We’re happy to introduce ourselves. Retirement Through Top Self-Directed IRA Education Helping People Take Control of Their

2 Billion in assets under administration

Leader in Self-Directed IRA education 100+ employees with 35 Certified IRA Services Professionals

10 : : INVESTOR REV I EW Schedule a Complimentary Consultation with a Certified IRA Specialist today. Ready to get started? Save $50 with Coupon Code ThinkRealty Our specialty is not only account administration, but providing the best SDIRA education, too. We offer several educational weekly classes in our offices and online. In addition, each month Quest holds many presentations, workshops and online seminars across the U.S. to educate people and allow for excellent networking opportunities. Our staff is known for providing expert service, not only for clients, but our business partners, too. Going above and beyond through quality SDIRA education for everyone is what we do best!


Top 5 Reasons Why Americans are Turning to Self-Directed IRAs

by Anne Marie Rogers

W e’re about half way into a new year and it’s time to get serious about your financial outlook for 2021. Self-Directed accounts are changing the traditional ways of investing and helping people take more control by giving them more freedom. I’ve com - piled a list of the top 5 things you need to know about Self-Directed IRAs that is sure to change your views on invest - ing and get you on the path to financial freedom this year.

investments are the only options available to them, as this is typically what the major financial companies offer. However, Self-Directed IRAs open the Narnia-like door for the curious investor to a secret world of investments, filled with entrepre - neurs and real estate investors earn - ing tax-free money. All jokes aside, Self-Directed IRAs have a lot of mysticism around them that is funny to me, as this has been my world for the last 8 years. I’m a big believer in having a vari - ety of investments in your retire - ment account to hedge your bets and hopefully mitigate the risk of losing your nest egg. The beauty of Self-Di - rected IRAs is that you can reach true diversification, by investing in alternative or non-traditional invest - ments, such as a real estate, private companies, oil and gas, promissory notes and much more. Why not have your foot in both the public and pri -

vate side? In addition to having the opportunity to invest in alternative assets, Self-Directed IRAs also give investors the key to their metaphori - cal investment vehicle on the journey to retirement, allowing the account holder to choose all of their own investments. 2 THERE ARE 7 DIFFERENT ACCOUNTS YOU SHOULD CONSIDER FOR SELF- DIRECTION There are so many different accounts available for alternative investments, including Traditional IRAs, Roth IRAs, SEP IRAs, SIMPLE IRAs, Individual 401(k)s, Coverdell Education Savings Accounts (ESAs) and Health Savings Accounts (HSAs). Not only can all of these accounts invest in things like real estate or private companies, but they can also be combined together to purchase



I can’t tell you how often I’ve been at a networking event chatting with someone about Self-Directed IRAs and they are absolutely blown away by the things they never knew were possible inside of these accounts. Many Amer - icans believe the myth that stocks, mutual funds and other traditional


a single investment too. All of the IRAs can be utilized to prepare for retirement and build your nest egg, each with their own unique benefits. Traditional IRAs could offer tax deductions for your contributions and could be a good option for where to move an old 401(k) or other plan from a previous job. Roth IRAs are my personal favorite account, offering the possibility of complete - ly tax-free distributions in retire - ment. Employer plans like the SEP, SIMPLE, and Solo 401(k) are great for small business owners, allowing them to make large contributions. A Coverdell ESA is a great tool for building money tax-free to pay for your children’s educational expenses like tuition, books, or school sup - plies, all the way until they reach age 30. A Health Savings Account can be invested and grown to pay for health expenses for yourself and your fam - ily tax-free. I love having an HSA because I never have to think twice when medical expenses present themselves, big or small. An HSA can be used to pay for vision, dental, medications, x-rays, surgeries and

so much more, all with the big perk of coming out tax-free.

companies and one of the most pop - ular being promissory notes. However, there are some limita - tions for IRA investments outlined in the Internal Revenue Code, including investments in life insurance con - tracts and in “collectibles,” includ - ing things like art, antiques, most coins and alcohol collections. There are also restrictions in regard to the transactions that are permitted when investing your Self-Directed IRA. Disqualified persons are prohibited from engaging in certain transac - tions with the account and spoiler alert – you, most of your family and your companies are considered disqualified. Prohibited transac - tions include things like buying or selling, lending money, or furnish - ing goods or services between the account and the disqualified per - sons, just to name a few of the major transactions to avoid. For example, I couldn’t direct my Self-Directed IRA to purchase a rental property I already owned personally or have my spouse do the fix-ups on my IRA owned property, as this would be considered a prohibited transaction.

3  THE INVESTMENT POSSIBILITIES ARE ALMOST ENDLESS, BUT BE SURE TO CONSIDER THE RESTRICTIONS When real estate investors begin to realize the many incredible invest - ment opportunities that exist in these accounts, I always enjoy watching the wheels turn and hearing “So I can do…” or “Wait, so I can do that too?” I’m in full Cady Heron, circa 2004 mode like “the limit does not exist.” Might be showing my age with that reference! Self-Directed IRAs are great for the do-it-yourselfer type, as they allow you to invest in an almost endless variety of alternative assets. From the basic to the unusual investment, there’s some - thing for everyone here. At Quest Trust Company, we process around 1,000 investments a month and see our cli - ents investing in a multitude of things, including rental properties, flips, sell - er financing, apartment complexes, commercial real estate, oil and gas, livestock, shares in all types of private


should all consider more often as we live our day-to-day lives. But, I’ll get off my soap box and tie this back to Self-Directed IRAs now. Investors have needs that we, as Self-Direct - ed IRA custodians, have a respon - sibility to meet. As more and more Americans declare they’re in search of true financial independence and looking for a means to take control of their own future, it seems that Self-Directed IRAs will continue to rise in popularity. But for those on the quest to self-direct, look no further than…Quest – see what I did there? At Quest Trust Company our clients are entitled to special - ized service, account fees that are reasonable, funding timeframes in the shortest time possible and edu - cation of the highest quality. If you didn’t already notice, that spelled out SAFE. So make the SAFE choice and choose Quest Trust Compa - ny. We’re founded by investors, for investors and are constantly shaping our systems, advances and cus - tomer service around what the real investor needs. •

From the basic to the unusual investment, there’s something for everyone here.” –Anne Marie Rogers

However, I can invest in a rental property I don’t already own and hire a non-family member contractor to fix up the property all day long. These rules can certainly get com - plex, which is why we are so focused on not only educating our clients but also in educating our staff to be the best possible resource for Self-Di - rected IRA education in the industry.  SELF-DIRECTED IRAS CAN LEND MONEY, MUTUALLY BENEFITING THE LENDER AND BORROWER I’ve heard Self-Directed IRAs 4 sometimes have the nickname of a “real estate IRA,” as this is one of the most common investments people associate with this type of account. As I mentioned earlier, real estate is really just the tip of the iceberg. One of the most common investments we see our clients do at Quest is lending money out of their IRAs to other investors. You might be thinking, “I would never lend my retirement account to someone,” but if you think about it, banks do it all the time. With the proper due diligence and mutual understanding, private lending can be a great way to passively get involved in real estate without the active management of the toilets, tenants and details that it takes to manage real estate. It goes without saying what the benefit is to the borrower, but essentially,

privately borrowing funds creates your own private bank where you can negotiate the terms of your loan to fit your needs. Imagine having access to almost an unlimited supply of funds available to you for fund - ing all of your deals. Sounds pretty enticing, right? For lenders, imagine being able to have a relatively secure investment, the ability to negotiate the terms of the deal upfront and the peace of mind that you’re perhaps improving the community by lending money to a real estate investor look - ing to fix up a property. It’s great to make profit off of an investment, but it’s an even better feeling to make profit and do good at the same time. That’s the type of investment I can really get behind.  NOT ALL SELF-DIRECTED IRA CUSTODIANS ARE CREATED EQUAL If you think back in the deep 5 recesses of your mind, you might be able to vaguely picture your elementary history teacher writing on the chalkboard and teaching on the Declaration of Independence. I might be grasping here, I didn’t go to elementary school in the United States – ha! Learned something new about me. But, undoubtedly you’ve heard that all men (and women) are created equal and we’re all enti - tled to life, liberty and the pursuit of happiness – a true statement we

Anne Marie joined Quest Trust Company in 2013 and currently serves as Sales Officer. After graduating from St. Edward’s University, Anne Marie pursued

a position as an IRA Specialist and in 2014, received the designation of Certified IRA Services Professional from the Institute of Certified Bankers. In 2020, Anne Marie received the Think Realty Honors Award for Real Estate Investing Services and was featured on the 2021 cover of the Think Realty magazine, as a woman to watch in the industry. Anne Marie is one of the lead female educators at Quest Trust Company, with a passion for making the topic of saving and investing fun and approachable, even for the newest investor on the block. She loves to teach people how to take control of their retirement through her experience at Quest and from personal experience doing her own note investments starting in her early 20s. Born in Australia and holding dual citizenship in both Australia and the United States, Anne Marie loves to spend any spare time exploring new places with her husband.


Filmed on location, Titan Talk is a one-on-one interview between you and Eddie Wilson, CEO of Think Realty and the American Association of Private Lenders. This personal endorsement carries extensive publicity, marketing opportunities, and bragging rights, naming you as the exclusive Titan of your real estate sector for a year.

What’s Included


• A One-on-one, 20-minute video interview by Eddie Wilson filmed on location, with B-roll footage of your office shot for use in the video. • A featured article in Think Realty Magazine and Private Lender magazine, with the article publicized as a preview line item on the magazine cover and highlighted in the corresponding newsletter. • A Titan Talk web page dedicated to you as the exclusive Titan of your real estate sector for 12 months. The page will headline your video interview, profile, featured article, and other articles by you. • Your video interview posted on Eddie Wilson’s personal social media pages and website. • Your video interview posted on the Think Realty Podcast page.

• Six social media posts on Think Realty and AAPL’s Facebook and LinkedIn pages. • Presidents’ Circle membership for one year.

Brought to you by:


Where Can You Find Funding You Can Trust?

by Linda Hyde, AAPL

W e at the American Association of Private Lenders field hundreds of emails and phone calls monthly asking for referrals to lenders that real estate investors can trust. We’ve heard the bait-and-switch stories, the haphazard and stressful closings, the exhausting search of shopping a deal around. Real estate investors are looking for experience, partnership, and above all: trust. Every day at AAPL, we work to bring that trust to our industry. We set the standard for professional conduct and are the only organization that enforces a Code of Ethics. We pledge to our members to provide structure and legitimacy to the private lending industry, and in turn, they promise us – and you – that they will uphold the trust you place in them.

• Adhere to all laws with respect to the services in which they engage. • Not discriminate against borrowers based on sex, age, race, sexual orientation, or religion. • Be honest and forthright in all their dealings. • Only change their loan terms with just cause and perform in accordance with the agreed-upon terms. • Not originate loans intending to see the borrower fail in order to obtain title to the property. • Adhere to all advertising laws as defined in the Truth-in-Advertising Act • Respect the intellectual property rights of others and comply with regulation related to copyrights, trademarks, patents, and trade secrets.


Each year, we host the nation’s largest gathering of private lenders in Las Vegas, NV. This year will be our 12th Annual Conference on November 14-16 at Caesar’s Palace. Register at to join more than 400 private lenders dedicated to learning the industry’s latest and best practices and find the trustworthy capital you’re looking for. Our members proudly display the AAPL Member emblem below. Look for it in your lender’s email signature and on their websites, and then visit to verify their membership status. You should be able to trust the people funding your business. Let us help. •

OURMEMBER CODE OF ETHICS To be an AAPL member, members must promise to:


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