PRIVATE LENDER THE OFFICIAL EZINE OF AAPL JULY/AUGUST 2014
IVAN OBERON On Moving Forward & Giving Back Back To Basics: Business Planning 101 How To Avoid Being Blacklisted by Google JOBS Act Crowdfunding and SBRE Funds
oday! Register T m lonline.co www.aap
Professional Training for Private Lending Professionals
AAPL’s East Coast Regional Event offers professionals in the private real estate and peer-topeer lending industry opportunities to gain valuable insight on improving their business practices. This two-day seminar is packed with multiple education opportunities presented by industry experts, including a bonus day with Eddie Speed for just $350! WHY EVERY REAL ESTATE INVESTOR MUST LEARN NOTES In the Next Five Years The bonus day, August 3, 2014, with Eddie Speed is included FREE with your paid registration.
Eddie Speed, NoteSchool Founder Since 1980, W. Eddie Speed has dedicated his professional life to the seller financing and non-performing note industry. Over the years, he has introduced innovative ideas and strategies that have positively impacted the way the industry operates today.
Private Lender July/August 2014
CONTENTS 4
Editor’s Note By: Matt Benson
7
Chairman’s Corner Tales from the other side By: Larry Muck
8
Private Lender Photo Gallery NoteSchool Summer Summit Photos provided by Kristen Repass
10
JOBS Act Crowdfuning and SBRE Funds Critical issues still need resolved for crowdfunding providers to prove they can be viable. By: Matt Burk
13
Investing in Real Estate Find out why real estate investing may be the best choice for private lenders By: Bruce Silverman
13
Lender Limelight Ivan Oberon: Moving Forward by Giving Back
16
Back to Basics: Business Planning 101 Every business needs a plan to be successful By: Elizabeth Morales
20
Wave of Maturing CMBS Loands Spells Out Opportunity for Private Lenders The next several years should bring a steady flow of deals your way. By: Corey Curwick Dutton
22
10 Key Leadership Qualities for Today’s Entrepreneur Going further by blending theoretical, practical, and common sense. By: David Javitch
24
How to Avoid being Blacklisted by Google Being added to a blacklist is a death sentence for marketing your business. By: Chrissey Breault
26
AAPL Member Directory
Editorial
NOTE FROM THE EDITOR “To succeed in business, to reach the top, an individual must know all it is possible to know about that business.” -J. Paul Getty
I
t’s now time, more than ever, for innovative managers and entrepreneurs to come up with ideas that lead to opportunities to launch new ventures. As our economy continues to recover from the financial crisis, the timing may seem inauspicious. In fact, the odds on success of an appropriately directed venture has higher chances of a bust than in a competitive boom. However, we have all recognized how the last few years has created new needs in the financial real estate industry. Getting to a break-even point in a new venture and then to profitable growth is crucial. We know it is even more difficult to grow without the right resources at the right prices. It’s only fitting for recovery to precipitate a fresh round of entrepreneurship and innovations that will help shape the future of the real estate industry. We all will prosper if we are able to fulfill basic business needs. Success in today’s unstable economy is about discipline and disciplines. Acquiring knowledge is the first discipline you should do on a regular basis - that will help you succeed in any market or career path. With that always in mind, we continue to work some initiatives that we feel like will dramatically impact our members and their business. This issue is focuses on our entrepreneurs, but that doesn’t mean that those seasoned professionals shouldn’t take a minute to get back-to-basics. Taking a step back and evaluating where you are and how you got there has the potential to be amazingly motivational. It’s extremely important that you spend at least an hour a day gaining knowledge about everything happening in the markets and industry. Use AAPL as a resource! Not just for education resources, but a way to reach out to colleagues and talk to them regularly so you can gain a consistent impression about what is happening around you.
4
Private Lender
PRIVATE LENDER July/August 2014 CEO Michael Wrenn Executive Director/ Matt Benson Editor-in-Chief Production Manager Chrissey Breault Art & Design Emily Bowers Advertising and Sales Linda Hyde David Lang
Private Lender is published semi-bi-monthly by the American Association of Private Lenders (AAPL). AAPL is not responsible for facts or opinions as presented by authors and advertisers. For Subscriptions: Visit www.facebook.com/aaplonline; email info@aaplonline.com, or follow at www.issuu.com For Back Issues: Visit www.issuu.com, email info@ aaplonline.com, or call 913-888-1250. For Article Reprints or Permission to use Private Lender content including text, photos, illustrations, logos, and video: E-mail info@aaplonline.com or call 913-888-1250. Use of Private Lender content without the express permission of the American Association of Private Lenders is expressly probibited. Copyright © 2014 American Association of Private Lenders. All rights reserved.
B2R
Finance
America’s Buy to Rent Lender
Financing
residential rental
properties
Loan Sizes $500K-$50MM
B2R Finance is a leading provider of buy to rent commercial mortgages for professional property investors.
Portfolios of 5 - 500+ Units Nationwide Financing Up To 75% LTV
We work with investors every day to help take control of their destination and create long-term wealth through their residential rental portfolios.
Non-Recourse Available Acquisition Lines Available (Minimum $10MM)
We offer a simple 3-step process and a fast closing. Call 844-435-5622 or go online today to get started.
Residential Rental Properties (SFR, 1-4 Family, Condos, Townhomes and Multi-family)
Recent Deals $590,000
6 properties located in New York
$1,090,000
13 properties located in North Carolina
$5,700,000
60 properties located in Arizona
Let’s Get Started:
844-435-5622
$4,500,000
97 properties located in Wisconsin
$37,000,000
850 properties located in TN, GA, NC, SC
www.b2rfinance.com info@b2rfinance.com
S D RTE
A T S ET
G O T S Y A OW
TW
Already a member of AAPL? Take advantage of great discounts and receive a business listing!
: G N AVI
Not a member of AAPL, yet? Save with a free 90-day trial ($99 value)!
Click here to enroll or go to communitybuyinggroup.com and redeem Group ID: 90dayaapl327
Click here to enroll or go to communitybuyinggroup.com and redeem Group ID: aaplmember327 Call 816.282.6310 (ext. 105) for assistance
www.communitybuyinggroup.com
Chairman’s Corner
Banker’s Report Tales from the Other Side
By Larry Muck
R
ecent conversations with lending professionals have centered on declining pricing in some overworked markets, particularly California. As prices continue to rise in that state’s major cities, I think we can see the beginning of a capping out of values or at least a slowing down of increases. In the Bay area, prices are defying gravity. It really is only a matter of time before we see some lenders overreach. Most of the lenders say that they continue to actively lend but that there is an increasing level of competition. They have increased vigilance and many are at the point where they would rather walk from a deal than accept current pricing.
at a rate of 6 month Libor + 500bps, or roughly 5.5%. They will do an 80% advance rate on the note amount and are committing funds for up to 3 years. Other money is flooding in that including large Wall Street firms that are providing long term financing for portfolio loans on long term holds. The rates are highly attractive and it would seem that there is an unlimited supply. Wall Street must be very well hedged or they think they can get the Fed to hold down interest rates forever.
This pressure is being caused by the flood of funding being forked over by the capital markets to the largest players. I met one of those capital providers in Boca at the IMN Conference. His firm is providing funding to lenders
Feel free to email me at lmuck@ aaplonline.com and check our radio show, Community Investor Radio, on BlogTalkRadio. com. To your health and success.
We are avoiding the needed event that will allow us to profligate printing of fiat and help insure a return to America.
cathartic quit the currency a vibrant
aaplonline.com
7
PRIVATELENDER
PHOTO GALLERY The NoteSchool Summer Summit was held July 11-13 in Grapevine, Texas a the beautiful Gaylord Texan Resort and Convention Center. The attendees were able to learn from experts in the area of Default Title Services and Foreclosure Management, CFPB and Dodd-Frank’s Impact plus bond with other active note investors at the networking reception.
Bob Repass and Eddie Speed
Learning from industry experts
8
Private Lender
Networking Reception
Summer Summit Luncheon
The American Association of Private Lenders serves as a catalyt for professional growth by: • Fostering education • Providing networking • Promoting best practices
Don’t end up like this guy. Join Today!
.com
www.aaplonline
JOBS Act Crowdfunding and SBRE Funds Critical issues still need resolved for crowdfunding providers to prove they can be viable. By: Matt Burk
A
hot topic of conversation lately that I’ve been asked about many times over the last few months is crowdfunding. What do I think about it? Do I think it is applicable to real estate funds? How do I see it impacting the small balance real estate space? Is there a good way to use it? If so, how? These questions and more have been posed to me by clients and others I know in the business. I know people who are passionate about it on both sides of the argument, some thinking it is the greatest thing ever and some thinking it is going to be a disaster. As our business model has evolved and these questions keep coming up, we have looked more and more at the subject and what role it can play in the universe we focus on, that of small balance real estate pooled investment funds. And the more we look at it and consider it, the more interesting the opportunities available via crowdfunding in this space appear to us. Here are some of my observations around the topic in general and how I think it may impact the way in which capital is raised by players in the SBRE pooled investment space.
Crowdfunding is coming to real estate My first observation is that the crowdfunding wave is clearly coming to the real estate space in general, and coming hard. The internet has already demonstrated that it can fundamentally change the way people do business and the way people buy. With the recent passage of the JOBS Act that allows general solicitation and advertising of private investment offerings, I think similar upheavals are
10 Private Lender
in store for the way capital is raised in real estate deals. Entire industries have been altered and in some cases eliminated. What has been accepted as standard practice for decades has been turned completely upside down in a few short years. Think about what Amazon, for example, has done to book pu b l i s h i n g , to how goods are stored and distributed, and to how people purchase products and from whom. It would be naïve in my opinion to think that similar changes are not in store for the real estate business. Crowdfunding sites provide people (investors) with access to information in the way in which they prefer to consume it. Using the internet means they don’t need to deal with a salesperson in order to research something. This fact certainly doesn’t ensure a better decision, but it does afford people the ability to check something out at their own pace, without direct pressure. This is perhaps the most important component to understand in terms of why it is likely to be a popular way for investors to be involved in real estate.
It’s still early in the game My second observation is that it is still very early in the game. People who are trying to build a business around crowdfunding for real estate are in the midst of trying to figure out a viable model. There are a lot of players jumping into what is perceived as a very sexy and attractive space and there will be some winners and some losers. Many of the platforms will not be able to survive as it will take too long for them to create a revenue model that also strikes the right chord with both sponsors and investors.
In many ways, crowdfunding for real estate is still in beta stage which can make it a gamble for the sponsors who are paying money to put their investments on a given platform (not to mention the venture capitalists who are putting up the money to capitalize the infrastructure of many of them). The pioneers are venturing out across the horizon not knowing what they will find and not all of them will make it there alive. To my mind, there are some critical issues that need to be figured out in order for a crowdfunding provider to prove they can be viable and these issues are not quickly or easily solved.
Questions need answered • How does a crowdfunding provider attract quality business (good deals) on an ongoing basis? What is their source of deal flow?
• What level of diligence do they need to do to
them when they invest? How do the investors interface with the platform and the sponsor? Who has what level of access to this group of people?
• What back end services are provided to sponsors
and is there any real value to the sponsors for these services?
These and other questions are going to be very important components of success or failure and of what direction many platforms are going to take. A few weeks back, I attended the IMN Private Real Estate Fund conference in New York. There were several companies there who are heavily involved in the real estate crowdfunding arena and there were some lively panel sessions on the topic. I came away with the distinct impression that this is going to be a subject in the real estate marketplace that gets a lot of attention over the coming years and will have a big impact on the industry, but that people really
vet the viability of the investment? How much responsibility do they think they have to perform this function, either ethically or simply to enhance chances for long term business viability?
continued on page 19
• What
are the consequences if the investments promoted on a given platform do not perform and investors lose money? Of course the platform will disclaim any responsibility or liability for underwriting and will not explicitly recommend or endorse any particular deal. Investors will be required to acknowledge they are making their own decisions, but some crowdfunding platforms will undoubtedly be more diligent than others about making sure the investments they allow on their platform have fundamental merit. To what extent will they do this or not?
• How do they charge the sponsor who is
putting the investment up on the site? What is their revenue model and does it fit with the needs of the sponsor? Much of this is limited, influenced, and determined by legal limitations around how people can be compensated. Platforms are having to compromise and try to get creative to devise revenue models that make sense to the sponsor and which can still ultimately make things financially viable for the provider of the crowdfunding services.
• How will they attract investors to the site and what, if anything, do they charge
aaplonline.com
11
aaplonline.com
12
IVAN OBERON Moving Forward by Giving Back Ivan Oberon started his insurance career as a dually licensed independent consultant in 2003 and after eight years in the business he began his real estate investing career, in San Diego. His passion for real estate investing and desire to work with and help other investors grew quickly. After nearly ten years, he resigned from his consultant position to fulfill his desire to help other real estate investors and partnered with the National Real Estate Insurance Group (NREIG.) He is a devoted father of three amazing children and a doting husband, a full-time entrepreneur, speaker, Co-Founder of Coast to Coast REIA, and radio talk show co-host of Investing Coast 2 Coast with Pete Asmus and Ivan Oberon on Bloomberg Radio. During his last visit to Kansas City, we had a chance to talk to him about his life, career, and his new role as the exclusive insurance consultant for the American Association of Private Lenders with NREIG. After he entered the office and we all finished with the round of hugs (he is a big hugger) we got down to business: PL: Thanks for taking some time to hang out with us. We know you’re busy with a new project. What can you tell us about what you are working on now? IO: While working in the private lender and investor space, we realized there is a need in the industry to address the specific and unique Professional Liability or E&O needs of the private lender. Although there is coverage out there in the industry it is very restrictive in nature as it relates to Private Lenders. Combine that with an improperly priced
policy for the true coverage afforded and you have a real issue. So, in an effort to cure this problem, we are working on actually scripting a policy from scratch; based on direct feedback from our private money lenders specific to what they feel their actual exposures and concerns really are. The ultimate goal being the creation of a much needed policy offering which does offer the correct set of coverage, at a fair price, for that coverage with reasonable retention options. PL: Why (do you think you) were you chosen? IO: I believe our private lenders and varying investors in our industry need and deserve to have someone who is dedicated to add value to their businesses and investing activities. I have also been networking in this industry for several years and I have an absolute level of conviction regarding the programs we can offer via NREIG and the value AAPL offers to their member base and the real estate investing community. PL: We certainly think you were a great choice and are glad to be able to work with you! What made you choose this business as one to be in? IO: Even though my original background is in insurance, I have been an active real estate investor for several years now and I love the people in this industry. I have been out there networking and connecting with other real estate investors, private and hard money lenders for several years and my goal has always been to find ways I can add value to others. When I was offered the opportunity to work with a company of people that is by investors for investors and who share my same philosophy
aaplonline.com
13
of adding value to this industry, I jumped at the chance. PL: You’ve spent quite a bit of time working within real estate and insurance, what kinds of mistakes have you seen professionals make when it comes to their investments? IO: I have seen a variety of mistakes made across various investment strategies. Everything from rehabbers purchasing homes in the wrong location or using incorrect comparables, cash flow investors purchasing properties that do not technically “cash flow” and the deadly mistakes of investing in their own names instead of a proper entity or using the wrong type of insurance, which could potentially wipe someone out. PL: What do you think are some of the biggest mistakes you made and how did you overcome them? IO: Some of the biggest mistakes I believe I’ve made are: Trusting too blindly at times, not performing adequate due diligence on either a person, organization or project and ignoring a “gut feeling” for the sake of getting a deal done. The only way to really “overcome” those mistakes is through the endurance of some pain, time and by making sure I focused my attention to the lessons that were contained in and by going through those experiences.
IO: Of course! I was awarded the Agent Consultant of Distinction Award in 2008 and Pete and I were just awarded Best Breakout Radio Show of 2014 by Icon Builder Media for our radio show on Business, Entrepreneurship and Real Estate Investing called Investing Coast 2 Coast with Pete Asmus and Ivan Oberon, on Bloomberg Radio. PL: Our computers are always streaming while we work (hard). We sing along on good days and pretend we are rock stars. If you could sing one song on The Voice, what would it be? IO: Bon Jovi’s Wanted Dead of Alive. I chose this song simply because it is a great song and I can actually hold the tune. PL: If you were 80 years old, what would you tell your children? IO: I would tell them how proud I am of them, how amazing they still are and that I still love them bigger than the sky. I would remind them of the lessons I taught regarding integrity, being diligent, always believing in themselves and the importance of being a good steward with every blessing they have come their way. I would encourage them to continue to write down their goals and affirmations and to make sure they are passing on successful habits to their own children.
PL: What is the funniest thing that has happened to you recently? ! PL: After making you’re own day, Ivan h irt B IO: This was probably more y p p a H mistakes, what motivates or even funny for others than it was influences you? for me but when I arrived IO: Other successful people in at the last AAPL event in Kansas City, my life and the true champions Missouri, a nice group of friends from AAPL and 3rd of success and continual self-improvement out Story Communications had a nice birthday surprise there, like Brian Tracy. I make it a daily practice to for me in the form of a random photo shoot with study and implement their teachings and of course, pink balloons and tiara. My business partner, Pete, write my major goals down daily. had a great time watching! PL: If you could do it all over again, what would you PL: (Laughing) You took it in stride! What type of do differently? things do you complain about? IO: I would have begun my financial literacy and IO: I make it a standing rule in my life not to complain education and put my long-term financial plan in about anything. Every experience and situation motion much earlier in life. carries with it a value of some kind. In addition, when we take responsibility and accountability for PL: What you’re really saying is that people should everything that happens in our lives, the only one’s join AAPL to start their education earlier, right? we’d have to complain to is ourselves. What kind of recognitions have you received? continued on page 19
14 Private Lender
Powerful Lending Solutions
Private Money Lending Software Powerful, Flexible, and Easy to Use Used by most CMA Members DRE and RESPA Compliant Service multi-lender loans or pools with ease Automate budget and draw process for rehab loans Handle ARM, Construction, and Commercial loans Built in Trust Accounting Enhanced reporting and forecasting Online investor access 24/7 Increase productivity and accuracy
800 . 833 . 3343 | www.The Mortgage Office.com 15 Private Lender
Business Strategy
Back to Basics: Business Planning 101 Every business needs a plan to be successful. By: Elizabeth Morales hether you are a small or large business, or you have been around for a few years, or the idea just popped in your head, there are key strategic factors you must have to move forward. Formalizing how you are going to run your business will keep you focused and lead to a more successful business in the long-run.
W
new visions as their individual business goals have evolved. They continue to be powerhouses in their individual markets year after year.
Mission and Vision
them all the time.
It is a great idea to include your employees as part of your mission statement. Even if you only have a handful of employees, you cannot do the work of all of
Mission: Your Business creates, provides, develops, and constructs X Service/Product to solve an issue.
Example: If your mission is to provide your customers, investors, borrowers, and lenders with up-to-the-minute information on their investments, why not give your employees the tools needed to provide your customers, investors, borrowers, lenders, brokers the up-to-the-minute information they need and be their trusted partner for all their needs? Remember your employees are your greatest resource.
Vision: Your Business will be operating in 10 cities/states/countries, employing x number of folks, doing X number of things.
If you are having a hard time with the vision, keep in mind Disney’s, “To Make People Happy.� One-liners make good visions too!
Start by developing a mission and vision for your company. What is the difference? Think of it as the mission is what you do and the vision is where you are going. Tap into your heart, love what you do, and look at the following template:
Once you reach your vision you must change it, they change every five years or so. Let me give you a couple examples to put it into perspective: Vision from two big companies circa 1995: Microsoft: A computer on every desk and in every home all running Microsoft software. Wal-Mart: Become a $125 billion company by the year 2000. They achieved their visions and have developed
16 Private Lender
Once you have a mission and a vision, do an analysis of your business, idea, product, etc. A common and helpful tool is a SWOT Analysis. Make a column for each letter and list the strengths, weaknesses, opportunities and threats. If your strength column is not the longest of the four, you need to work on the weaknesses right away. Threats are not always under your control and your goal is to strengthen your product and create opportunities.
Business Objectives
What are the long term goals of your company? What
Business Strategy
key initiatives will you put in place to achieve them? What specific, attainable goals will every employee have to reach them? Share the business objectives with ALL departments, if you don’t your employees will never know what you goals are or how to achieve them. Why? Because everyone is on board not just top management. Communicate your ideas and goals to your team, have meetings, let them hear it directly from the CEO, and let them know they matter. Have marketing and advertising plans even when money is low. Research shows that companies that invested in advertising during recession times stayed afloat and did better than their counterparts who chose not to. Why? Because people buy what they see. Be social and do it right! Pick a couple social media tools and run with them. Make sure you’re keeping up with the times. Remember the craze about MySpace? Do you know anyone with a MySpace account these days? Exactly, keep up with the times! How do you that? Do some quick internet research to see what others are using... or ask a teenager! If you are going to put anything out there through social media use the right language and strive to be the leader in your industry. Please remember people don’t have time to read meaningless stuff.
If Gandhi was still among us what do you think he would have tweeted: @Gandhi: #OMG! I am so hungry, when will these people ever get that things have to change so I can go eat something. or @Gandhi: #be the change you wish to see in the world.
Measure Accomplishments
Keep a monthly dashboard and hold weekly meetings. Everyone’s goals need to be aligned with the business objectives and key strategies. Assist those in your department draft their own goals, it will be their accomplishment. If they don’t make their goal there is always next month, quarter, or year. Make a big deal when a companywide objective is reached, it is everyone’s win. Everyone put in their little grain of sand and it is reflected in the company moving forward. Remind your team they are the soul of the business and make them feel appreciated.
Elizabeth is the Business Development Director for Applied Business Software, the leader in private lending loan servicing software and creators of The Mortgage Office software and The Loan Office software. You may email Elizabeth at elizabeth@ absnetwork.com
aaplonline.com
17
Finance
aaplonline.com
18
do not know how at this point. My personal opinion is that niche players will do better than generalists. A dominant generalist is likely to emerge and many will be forced to consolidate, sell or disappear. Many more niche players are likely to succeed, I believe, simply because of the way people like to buy. There are not too many who compete with Amazon successfully, but there are plenty of specialty online retailers that do very well on a smaller scale. This will likely be the landscape going forward, after a lot more bleeding edge players blaze the trail in this frenzied post JOBS Act marketplace. Matt Burk is the founder and CEO of Fairway America, a boutique real estate finance advisory and investment firm providing strategic business planning services nationwide to select private money lenders around the structure, architecture, and administration of proprietary mortgage pool funds. He is also the Chief Investment Officer and Manager of Fairway America Fund VI, LLC, a nationwide real estate based mortgage pool fund. This editorial was originally published on FairwayAmerica.com, July 2014.
Ivan Oberon
(continued from page 14) PL: Who’s your hero and why? IO: My Dad. He has lived a life unlike most and seen terrible things most could never imagine and yet he always remained true to himself and his family. His actions have always shown his commitment and love for us and his love for my Mom has always been unquestionable. PL: What did you want to be when you grew up? IO: I am still unsure of what I want to be when I grow up! I mostly like helping people and I am not even certain I want to grow up. Where is the fun in that? PL: What’s the best advice you’ve ever received? From whom? IO: My Dad once told me, “Take everything in stride. Learn from every situation and try not to dig a hole so deep that it becomes to difficult to dig oneself out of.”
19 Private Lender
Finance
Wave of Maturing CMBS Loans Spells Out Opportunity for Private Lenders The next several years should bring a steady flow of deals your way. By: Corey Curwick Dutton
I
f you are a private money lender who lends on commercial properties, pay attention. An estimated $1.4 trillion in commercial loans are set to mature between 2014 to 2017. Approximately 25% of all maturing commercial loans are CMBS loans, approximately $346 billion. (Source: Trepp Report 2013). This avalanche of maturing commercial loans represents a huge opportunity for private money lenders who will step up to refinance many of them. Because the ten-year CMBS loans were originated during 2005 to 2007 when commercial property values were at their highest, these same loans may have difficulty meeting the LTV requirements of conventional lenders when seeking out refinances. The property types that will be most affected by LTV issues like this are retail and industrial, with multifamily properties being less affected. Because commercial bridge lenders and other private money lenders will lend at much higher LTV ratios than conventional lenders, many of these commercial refinances will enter the private money lending space seeking commercial bridge loans. Another reason private money lenders will see tremendous opportunity in this wave of maturing CMBS loans has to do with a property’s location.
20
aaplonline.com
Banks are only lending in the top-tier markets, whereas commercial bridge lenders are far more flexible and are willing lend on properties in second and third tier markets. Private money lenders who lend in the Northeast will see the most opportunities for refinances between 2014 to 2017. The largest number of commercial loan refinances, approximately 30% of all maturing loans, are in the Northeast region. Private money lenders who lend in the Pacific region and Southeast will see close to 20% of all maturing loans during this same time period. If you are a private money lender who focuses on commercial loans, the next several years should bring a steady flow of deals your way.
Corey Curwick Dutton is a private money lender and Founder of Private Money Utah. Corey is from Austin, Texas and is an MBA Graduate of the prestigious Thunderbird School of International Management. In her spare time, Mrs. Dutton enjoys skiing and mountain biking in the beautiful Utah outdoors.
aaplonline.com
21
Manage and Lead
10 Key Leadership Qualities for Today’s Entrepreneur Going further by blending theoretical, practical, and common sense. By: Dr. David Javitch 1. The successful leader has a vision: Think things through and know where you want to go and how you want to get there. Work with others to ensure a vision is followed through. Direct the actions and resources toward making it a reality.
2. The successful leader communicates well: Articulate a vision clearly to others. Encourage two-way communication between managers and non-managers and always be available to others. Strive to be succinct and specific about directions and instructions. Above all, a good leader avoids generalizations and ambiguities that can lead to misunderstanding, conflict and poor performance.
3. The successful leader supports and guides the employees: Start by helping others clarify and achieve goals by identifying and removing any obstacles. Provide the resources (time, money, people, information and equipment) needed to complete the task. Don’t reprimand others who make mistakes when taking a well-calculated risk. Instead, critique and analyze what went wrong and what went right. Next, work with the employee to correct the error. Decide whether another attempt at a previous goal is necessary, and offer encouragement if it is. During the entire process, provide appropriate feedback to ensure positive attitudes and actions. Serve as a model of good attitude and use approaches that others can emulate.
4. The successful leader believes in his/ herself: A good leader possesses a strong sense of confidence, built upon years of learning, experimenting and at times failing — but always growing. Be aware of personal strengths and limitations, and demonstrate those skills and talents without boasting. Assume responsibility for faults and personal errors without hiding them or blaming others, and know that if a mistake occurs, it does not equate inadequacy. A successful leader believes that he or she can turn around a negative situation by re-examining the variables and other circumstances — with input from others, when necessary.
5. The successful leader creates the atmosphere that encourages others to grow and thrive:
Know that no one individual possesses all of the answers. By appreciating the role that motivational techniques can play in improving employee performance, you can work with others to increase organizational productivity and improve individual job satisfaction. Here are some tips on how to create a motivational atmosphere:
• Ask people their opinion rather than telling them yours.
• When people ask you for solutions, have them
come up with answers or options rather than telling them the best way to resolve a situation. Discuss the merits of their views and how to make them successful.
• Provide positive feedback when employees 22 Private Lender
Manage and Lead
voice their opinions. Offer suggestions or try to resolve challenges. Reinforcing behavior on your part will encourage more spontaneity, thinking and innovation on their part.
• Ask questions, even when you don’t know the
answer. Ask employees challenging questions that encourage them to think, plan and react. Above all, encourage employees to challenge themselves.
• Encourage employees to take appropriate
risks. Support them when they do and also when the outcome of risk-taking isn’t positive. In those cases, evaluate what went wrong and encourage other, more appropriate risks.
6. The successful leader manages by walking around:
10. The successful successes:
By getting out of the office and walking around the department, plant or building to interact with other employees, you get an opportunity to see people on the line doing daily tasks. Create an opportunity to informally chat with employees and learn something more about their work challenges and lives.
Know that positive outcomes are rarely the result of only one person’s attempts or input. A self-confident entrepreneur shares the limelight and accolades with others who contributed to the final product or service.
7. The successful leader acts and reacts in an honest manner:
Dr. David G. Javitch is an organizational psychologist, leadership specialist, and President of Javitch Associates in Newton, Mass. Author of How to Achieve Power in Your Life, Javitch is in demand as a consultant for his skills in assessment, coaching, training and facilitating groups and retreats.
Authors and creators of The Leadership Challenge program Jim Kouzes and Barry Posner report that honesty is the No. 1 characteristic of superior leaders. Honest leaders easily build trust and confidence. Their employees are more apt to work harder, ask questions and respect leaders who come across as honest. Employees will also accept critiques, whether positive or negative, from leaders they trust and believe.
leader
shares
This article originally appeared on Entrepreneur. com, August 2008.
8. The successful leader creates and fosters a learning environment: Recognize that increased knowledge, more job experience and challenging different mind-sets increases worker satisfaction, motivation and productivity. Frequently encourage others to think outside-the-box and see issues from alternate perspectives.
9. The successful leader perseveres: Don’t deflect from achieving goals simply because obstacles exist or no answer is readily available. Continue in your pursuit of excellence despite barriers and criticism, and encourage the same attitude in others.
Are you
Passionate? Experienced? Compentent?
WRITE FOR PRIVATE LENDER! Contact Chrissey for more information. 913-888-1250
aaplonline.com
23
Tech Tools
How to Avoid being Blacklisted by Google Being added to a blacklist is a death sentence for marketing your business. By Chrissey Breault
W
e all hate spammers and we do everything in our power to not get labeled as spammers, right? We choose to avoid the blacklist; the death sentence for our websites because Google and other search engines stop crawling or even listing it in search results. No blacklist is good to get, because ISPs and many content filtering services access Internet blacklists to figure out not only what email to block, but also what website to lock or mark as potentially dangerous. Scratching your head as to whether your site has ever made the database of blacklisted sites? There are thousands of databases that list “abusive hosts” for email filtering services as well as ISPs. They’re looking for a list of “bad” URLs and IP addresses to block in order to protect against viruses, malware, and generally any nasty online stuff. You could go through every single database and search for your domain, but a much easier approach is to use a service such as BlackListAlert that conducts a search across multiple databases. It’s also the most popular blacklist service available. The odds are that if you’re on a blacklist anywhere out there, this sit will find it. However, not all blacklists
are public. Many of the larger ISPs have their own internal blacklists they use in conjunction with public blacklists. There is no 100 percent complete blacklist monitoring tool out there for that reason. So we are clear: Being added to a blacklist murders any marketing campaign, regardless of how awesome your intentions are. Sometime little things, like overloading your email with graphics, results in immediate blacklisting. Spam filters don’t know that you’re intentions are good. They see you as you are and make a snap judgment. One of the best things you can, other than subscribing to a monitoring service, is to process all email bounces - they usually have indicators of which private blacklists you might be on. Completely avoiding being blacklisted can be mindboggling. No one knows all the answers, each blacklist can have different requirements that could get you listed. But there are some things you can do to help avoid being listed. To get you started:
• Follow the CAN-SPAM Act • Do not allow unsolicited ads and other bulk •
• • • •
e-mails to be sent from your server, by the hosted accounts; Do not run pro spam services like: spam websites, drop mail boxes for replies to spam e-mail ads, DNS for junk mailers, payment processing services for the products advertised in spam messages, junk mail tools (like lists of e-mail addresses); Make sure all your hosts are as secure as possible; Make sure you do not have any spam bots on your systems; Make sure your mail server is not an open relay; Make sure your proxy server is not an open
aaplonline.com
24
proxy;
• Make sure the information provided in the • •
• • • • • • •
domain registration service (whois) is updated and complete; Make sure all your mail servers accept mail from: <> delivery notifications (NDR); Don’t use an ISP that has a bad reputation when it comes to spam. Doing so may get you blacklisted just because your IP address is part of their allotted subnet; Make sure your DNS is properly set up and that you are complying with the RFC rules regarding service configuration; Make sure your mail server does not send poorly-formatted messages; Deploy Domain Keys and SPF for outgoing messages; Use secured connections (SSL/TLS) as much as possible; Do not allow unauthenticated users to send e-mails neither locally nor remotely; Never ever use UPPERCASE for any words n your emails whether its in your subject line or body - those are flags for spamming; and Swear on your life: you will never BCC your list.
But what if you didn’t do anything wrong and still ended up on a blacklist? The many different reasons to get you listed can be surprising. One of the more common issues is that your assigned IP address was recycled and the previous owner of that address abused email. While you can request details from providers that have blacklisted you, they may not always provide them. Before politely requesting that you are removed from a blacklist, be sure that you have resolved any problems that could have led to you being blocked or you’ll end up blacklisted again. Once you’ve dealt with any potential issues, you may be automatically removed from a blacklist after a week or two - you may need to contact the postmaster for the domain that blocked you. A Google search of “postmater domainname.com” will help you locate the contact information for that person or group. Now don’t you feel better just knowing what you should and shouldn’t do? A Pittsburgh native, Chrissey started a part-time photography and design business in 2008, while working full-time in local government communications. She currently is the Director of Marketing and Education Services with the American Association of Private Lenders. Follow Chrissey @CBExpressions on Twitter.
aaplonline.com
25
Highlighted members are AAPL Board of Advisors
ARIZONA
Company Name
First Name
Last Name Phone Number
Type
American Financial Corporation
Byron
Allen
(480) 420-2545
Lender
Avana Capital
Sundip
Patel
(623) 486-0183
Lender
Metropolitan Finacial
Dave
Franecki
(480) 763-8376
Lender
Private Loan Store
Scott
Ferguson
(480) 331-1379
Lender
Tiger Property Investments
Curtis
Stohr
(480) 269-2770
Lender
CALIFORNIA 5 Arch Funding Corp
Gene
Clark
(949) 387-4458
Lender
AAA Investments
Gloria
Woodley
(619) 300-0370
Service Provider
Applied Business Software
AJ
Poulin
(888) 833-3343
Service Provider
Armanino McKenna, LLP
Jason
Gilbert
(925) 790-2600
Service Provider
Armanino McKenna, LLP
Josh
Nevarez
(925) 790-2600
Service Provider
Asset Ventures LLC
Tom
Boren
(310) 798-1400
Lender
Asset Ventures LLC
Tony
Martinez
(855) 798-1411
Lender
BofI Federal Bank
Joel
Kodish
(858) 764-2928
Lender
BofI Federal Bank
Taylor
Osborn
(858) 764-2902
Lender
Bolour Associates
Elliot
Shirwo
(323) 677-0550
Lender
CPR Pacific
Aaron
Chan
(831) 406-1616
Lender
Control Capital Group
Blair
Kenny
(818) 585-3234
Lender
Elares Capital Partners, LLC
Robert
Woodcock
(858) 254-2318
Lender
Elite Mortgage Loans
Constance
Griggs
(559) 436-6880
Lender
Elite Mortgage Loans
Tom
Jarrell
(559) 436-6880
Lender
FCI Lender Services
Gordon
Albrecht
(800) 931-2424
Service Provider
Full Throttle Ventures
Haider
Nazar
(925) 272-4597
Lender
Genesis Capital Partners
Trixy
Weiss
(818) 661-1778
Lender
26 Private Lender
Geraci Law Firm
Anthony
Geraci
(949) 379-2600
Service Provider
IRA Services Trust Company
Belinda
Savage
(650) 591-3335
Service Provider
Jeff Smallowitz
Jeff
Smallowitz
(310) 750-5969
Lender
Live Green Lending
Brian
Derisay
(760) 822-4072
Lender
Main Street
Tyler
Happe
(916) 844-7150
Lender
Main Street
Krissie
Jones
(916) 844-7150
Lender
Mardavsco, LLC
Alan
Weinstock
(800) 266-9094
Lender
MICON Properties LLC
Michael
Vavricek
(916) 525-8240
Lender
MOR Financial Services, Inc
Ajay
Mehra
(213) 784-0731
Lender
MOR Financial Services, Inc
Sean
Morsi
(213) 784-0733
Lender
MPact Wealth
Asa
Patterson
(775) 690-3839
Lender
Nationwide Reconveyance LLC
Jason
Tatman
(844) 252-6972
Service Provider
Pacific Private Money
Lisa
Hanf
(415) 850-5555
Lender
Pacific Private Money
Mark
Hanf
(415) 850-5555
Lender
Presidio Realty Trust
Steven
Flippi
(401) 744-2230
Lender
PrivateLenderLink.com
Rocky
Butani
(415) 513-4400
Lender
Rama Capital Partners, LLC
EJ
Chanin
(818) 914-3000
Lender
Rama Capital Partners, LLC
Alim
Kassam
(818) 914-3000
Lender
ReCap Advisors
Cecil
Chan
(650) 219-7607
Lender
SBS Trust Deed Network
Rory
Cambra
(800) 678-7171
Service Provider
Silver Arrow Investments
Damon
Prouty
(530) 748-9385
Lender
Spinnaker Loans Inc
Guillermo
Nunez
(909) 563-8612
Lender
Spinnaker Loans Inc
Juan Carlos
Quirozi
(916) 844-7150
Lender
Spinnaker Loans Inc
Raul
Ramirez
(909) 563-8612
Lender
Sterling Pacific Financial
Joshua
Fischer
(831) 786-1980
Lender
aaplonline.com
27
Tempo Funding LLC
Mike
Zlotnik
(917) 806-5029
Lender
Top Dekk & Associates
Carolann
Dekker
(858) 245-4349
Lender
The Norris Group
Aaron
Norris
(951) 780-5856
Lender
Tremco Services
Patricia
Hughes
(415) 218-4704
Lender
Trillion Capital
David
Weiner
(858) 530-2251
Lender
Trust Deed Capital, Inc
Ken
Meyer
(949) 481-3266
Lender
Your Valley Bank
Michael
Hair
Lender
COLORADO Company Name
First Name
Last Name
Phone Number
Type
Bridge Capital Resources LLC
Greg
Osborne
(303) 475-5873
Lender
Colorado Federal Savings Bank
Jonathan
Banks
(877) 484-2372
Lender
Colorado Federal Savings Bank
Randy
Ilich
(877) 484-2372
Lender
Forrest Financial Group
Charles
Townsend
(303) 778-0309
Lender
Heritage Capital
Ryan
Parson
(866) 210-0158
Lender
Investors Choice Funding
David
Williams
(303) 500-7088
Lender
Principal Parners Lending
Troy
Blessing
(303) 398-7007
Lender
Redemption Company LLC
Michael
Rosenberg
(970) 259-7501
Lender
Resolve Funding
John
Marshall
(303) 495-3414
Lender
Thousand Hills Capital
Stephen
Ahokas
(701) 212-8757
Lender
David
Griswold
(303) 799-3745
Lender
Michael
Bonn
(888) 876-6732
Lender
TNS Loans
28 Private Lender
CONNECTICUT AJTM Financial Group Inc.
Anthony
Tomasi, Jr.
(203) 539-6080
Lender
Maple Bridge Funding
Tim
Oâ&#x20AC;&#x2122;Shea
(203) 831-0601
Lender
Rehab Cash Now
Erica
Lacentra
(860) 533-4049
Lender
Rehab Cash Now
Jeff
Mallus
(860) 533-4049
Lender
Lansing
(703) 407-6886
Lender
DC RevitaLending, LLC
William
DELAWARE Wilmington Investments
Ralph
Marshall
Lender
FLORIDA BGI Financial
Kenneth
Baboun
(305) 775-5765
Equity Trac
Valerie
Longo
(941) 840-1416
Lender
Realiquidators, LLC
Jason
Moding
(855) 873-7325
Service Provider
Rollins Consulting Group
Jack
Rollins
(386) 562-3016
Service Provider
Trowbridge, Taylor & Sidoti, LLP
Kim Lisa
Taylor
(904) 584-4055
Service Provider
Dell
Miller
(407) 340-1227
Lender
GEORGIA Copper River Funding
Michael
Peart
(561) 596-2866
Lender
Equinox Capital Partners
Terrence
Drakes
(678) 591-9009
Lender
Renu
Clark
Cordner
(770) 639-8615
Lender
SMCC Capital LLC
Steve
McCondichie
(678) 673-0321
Lender
aaplonline.com
29
IDAHO Secured Investment Corp
Dean
Hutchins
(208) 209-7185
Lender
ILLINOIS Financial Momentum
(312) 894-1046
Service Provider
HK Creative Investments
Harry
Kunelis
(855) 355-3278
Service Provider
IRA Club
Dennis
Blitz
(888) 795-7950
Service Provider
Skinner & Associates Financial Services Inc
Mars
Skinner
(630) 800-1619
Lender
KANSAS Diversified Equity Advisors, LLC
Mike
Dyer
(913) 402-2513
Lender
Keystone Property Investments
Craig
Walton
(913) 687-7025
Lender
Make it Move! Properties
Adam
Doran
(913) 735-5673
Service Provider
MASSACHUSETTS Grand Coast Capital Group
Randy
Winters
(857) 206-6464
Lender
Wallace Capital
Robert
Wallace
(617) 423-2003
Lender
MARYLAND Advance America Property
Guy
Cook
(443) 946-1289
Lender
MidAtlanticIRA
Scott
Blair
(240) 575-3880 x260
Service Provider
MidAtlanticIRA
Jack
Kiley
(240) 575-3880 x260
Service Provider
RealInvestors, LLC
Sherman
Ragland
(301) 218-4333
Lender
Specialty Lending Group
Jeffrey
Levin
(240) 959-2060
Lender
30 Private Lender
MAINE Amberfields Capital
Marshall
Hughes
(207) 460-2471
Lender
MICHIGAN Dusek Network, Inc
Brenda
Dusek
(248) 760-7612
Lender
Dusek Network, Inc
Rich
Dusek
(248) 760-7612
Lender
E3 Funding
Todd
Burk
(248) 330-1070
Lender
Global Real Estate Services
Terry
Mock
(248) 508-2420
Lender
Metro Street Capital
Mark
Nagy
(248) 660-6518
Lender
MINNESOTA Bortnem Services LLC
Roger
Bortnem
(612) 978-5569
Lender
REAL FIC REALTY, INC
Federico
Amaya
(763) 286-0814
Service Provider
MISSOURI John
Duffy
(816) 785-5258
Lender
Kansas City Investor Funding LLC
JJ
Pawlowski
(816) 877-8230
Lender
National Real Estate Insurance Group (NREIG)
Mike
Wrenn
(888) 741-8454
Service Provider
John
Duffy
(816) 785-5258
Lender
R Investments
Lisa
Rabbe
Springboard Capital
Larry
Muck
Lender (816) 448-5581
Lender
NORTH CAROLINA Connvisions Capital Group
Alex
Arriaga
(919) 244-1007
Lender
Heilstein Lending, LLC
Kimberly
Palmer
(910) 366-0192
Lender
Valley Song Capital Management, Inc
Meg
Winberg
(415) 730-9584
Lender
aaplonline.com
31
NEW JERSEY Alpha Funding Solutions
David
Hansel
Environmental Credit Assistance Program Toll Bridge Capital Partners
Darin
Haft
(732) 657-2014
Lender
(844) 888-3227
Lender
(561) 705-7740
Lender
(505) 344-4734
Lender
NEW MEXICO Kate Southard Real Estate
Kate
Southard
NEVADA Premier Mortgage Lending
Rick
Piette
(702) 485-6600
Lender
Inspired Capital Partners
Alia
Ott
(866) 887-0986
Lender
Investors in Action
Alia
Ott
(858) 774-2542
Service Provider
NEW YORK 1839 Asset Management
Vincent
Spreuwenberg
(917) 797-3452
Service Provider
Credit Circle
David
Shimko
(917) 705-5640
Lender
Credit Circle
Herb
Williams
(917) 705-5640
Lender
Gamma Funding LLC
Jonathan
Kaiikow
(212) 922-9471
Lender
Gemini Capital Managers
Jack
Krupey
(917) 414-7880
Lender
General Service LLC
Bernardo
Torres
(718) 417-6800
Lender
JG Funding
Jeremy
Goldzal
(718) 502-6012
Lender
JG Invests LLC
Jonathan
Gould
(212) 769-3644
Lender
Northern Atlantic
John
Quartararo
(917) 671-8983
Lender
Orange Equity Partners
Marcello
Spulveda
(845) 418-3912
Lender
Private Lender 4 U
Steven
Nye
(646) 459-4301
Lender
32 Private Lender
Red Cardinal Capital Asset
Marucia
Rella
(888) 813-8577
Lender
OHIO Equity Trust Company
John
Bowens
Real Estate Private Funding
(888) 382-4727 x306
Service Provider
(877) 296-4557
Lender
Regis Park
Jacob
Lipzyc
(419) 841-7503
Service Provider
Weltman, Weinberg & Reis Co., LPA
Frank
Veneziano
(513) 723-2204
Service Provider
(405) 512-5626
Lender
OKLAHOMA Red Dirt Lending
Scott
McLain
OREGON Fairway America, LLC
Matt
Burk
(503) 906-9102
Lender
Fairway America, LLC
Darris
Cassidy
(503) 906-9100
Lender
Fairway America, LLC
Lance
Pederson
(503) 906-9108
Lender
Bennu Funding
Court
Trevillyan
(503) 701-2452
Lender
Hill Law PC
Jeff
Hill
(541) 848-4500
Service Provider
Iron Bridge Lending
Gerard
Stascausky
(503) 522-5600
Lender
Matinos Financial, LLC
Curt
Hugo
(503) 784-0841
Lender
North By NorthWest Funding
Dante
Salvati
(503) 702-5992
Lender
Pacific Capital Solutions
Bob
Cox
541-973-2444
Lender
Private Lender
Donald
Burdick
(503) 635-3935
Lender
ScanlanKemperBard Companies
Ian
Formigle
Lender
aaplonline.com
33
Silverado Funding, LLC
David
Scott
(503) 545-8229
Lender
Worcester Investments
Paul
Worcester
(816) 291-4146
Lender
PENNSYLVANIA Conquest Funding
Jeff
Cella
(610) 509-5350
Lender
Crossley Properties, LLC
April
Crossley
(610) 334-0608
Lender
Dalin Financial
David
Morgan
(215) 238-9496
Lender
GMA Factor
Jacob
Sacks
(412) 206-3810
Lender
The Binstead Institute
JT
Binstead
(610) 213-0278
Lender
US Mortgage Resolution
Aaron
Jones
(484) 654-2229
Lender
US Mortgage Resolution
Joseph
Downs
(484) 654-2236
Lender
US Mortgage Resolution
Thomas
Dunkel
(484) 654-2235
Lender
US Mortgage Resolution
Robert
Hytha
(484) 654-2228
Lender
WPREIA
Josh
Caldwell
(412) 592-2146
Service Provider
SOUTH CAROLINA Carolina Hard Money, LLC
Bill
Fairman
(803) 831-2262
Lender
TENNESSEE Heritage Capital
Shelley
Mosher
(866) 210-0158, x1
Lender
TEXAS B2R Finance
Tim
Herriage
(972) 755-1880
Lender
Bay Mountain Capital
Wayne
Corley
(214) 402-0874
Lender
Bay Mountain Capital
Dean
Lontos
(214) 402-0874
Lender
34 Private Lender
Bay Mountain Capital
Phillip
Sanchez
(214) 402-0874
Lender
DLM Family Investments, LP
David
Fenoglio
(940) 894-2000
Lender
HB Equity, LLC
Stephen
Howard
(512) 663-1430
Lender
Invesmark Mortgage
Mike
Hanna
(214) 219-0360
Lender
Karlan Capital
Tina
York
(214) 722-6972
Lender
L2JL Capital
Larry
Long
(214) 269-9217
Lender
Longhorn III Investments LLC
Michael
Hoffman
(214) 420-7304
Lender
NoteSchool
Eddie
Speed
(817) 410-4103
Lender
Pride of Austin Capital Partners, LLC
David
Owen
(512) 687-3456
Lender
Private Mortgage Financing & Investments, LLC
Mitchelle
Vicknair
(832) 577-8838
Lender
Properties Minerals
Paul
Oâ&#x20AC;&#x2122;Dwyer
(940) 257-4282
Lender
Transformation in Progress
Frank
Packard-Reed
(972) 738-8545
Lender
(512) 219-5558
Lender
Stallion Funding US Private Lenders
Cynthia
Wall
(254) 722-9814
Lender
Win-Win Investor Lending, LLC
Derek
Feldman
(309) 706-8465
Lender
UTAH Credit Circle
Perikles
Konstantinides
The Aclaime Group
(917) 705-5940
Lender
(801) 836-5985
Lender
Private Money Utah
Corey
Dutton
(435) 565-1768
Lender
WDB Funding LLC
Jennifer
Watkins
(801) 244-0312
Lender
VIRGINIA Asset-Based Wealth and Capital, LLC
Jennifer
Skeete
(877) 666-4745
Lender
BG Real Estate
Jerry
Bouchard
(703) 477-9211
Lender
aaplonline.com
35
Blue Ocean Mortgage
Jim
Sexton
(540) 353-7077
Lender
Christina
Dangler
(703) 405-5438
Lender
WASHINGTON Anderson Legal, Business &
Clint
Coons
(800) 706-4741
Service Provider
Legacy Group Capital LLC
Brent
Eley
(425) 818-2225
Lender
Nemo-A Investment Corp
Annie
Liu
(425) 772-0328
Lender
Rain City Capital, LLC
Fred
Rea
(206) 355-4969
Lender
Glenn
Froehlich
(206) 818-0388
Lender
Kirk
Sperry
(206) 396-8559
Lender
Sperry and Sons Capital Investment
WISCONSIN The Fresh Corp
Eric
Jones
(414) 334-5766
Lender
(304) 345-2694
Lender
WEST VIRGINIA TIC Investments
Terry
Moore
QUEENSLAND, AUSTRALIA Biddle Lawyers
Russell
Biddle
+61 417578879
Service Provider
Biddle Lawyers
Stacey
Davidson
+61 417578879
Service Provider
Biddle Lawyers
Stephanie
Murray
+61 417578879
Service Provider
ONTARIO, CANADA Atlmore
Ian
McSeveny
(905) 481-3674
Lender
Maple Investments
Dean
Jessop
(916) 844-7150
Lender
Vector Management
Mickey
Boratz
(416) 483-8018
Lender
36 Private Lender
www.aaplonline.com
37 Private Lender
The American Association of Private Lenders reaches the most tightly targeted audience of Lenders, Fund Managers, Brokers, Investors, Property Managers, and Service Providers in the peer-to-peer lending community. It is the voice of the private lending industry. As such, advertising with the American Association of Private Lenders is an excellent investment and the ideal medium to reach anyone in the private lending industry. Contact us today for more information!
s U with
m o c e . e s n i t li n r O e L AP dv
A .888.1250 | A 913
38 Private Lender