AAPL's 10th Annual Conference Program

presented by

Assoc American

iation of Private Lender s’

10 TH ANNUAL

CONFERENCE the NATION’S LARGEST PRIVATE LENDING EVENT NOVEMBER 7-9, 2019 CAESARS PALACE LAS VEGAS

featuring B A R N E Y F R A N K as keynote speaker

Table Section Of Contents Name 4 5 7

CONF ERENCE MAP

Your visual guide to navigating Caesars Palace.

EXHIBITOR MAP

Our exhibitors bring their best to AAPL. See what they’re up to with a visit to their booths.

S CHEDUL E

A quick reference for when things happen.

PEAKERS 10 SThe people you’ve come to see. Find more information about them in Whova.

EVENT APP 18 WHOVA Make the most of conference networking and leadgeneration.

G GU I D E 20 NETWORKIN Check out the different AAPL- and Sponsor-hosted happenings.

24 AGENDA Your snapshot to conference sessions and descriptions.

2 TABLE OF CONTENTS \\ #AAPLANNUAL

FI 36 WI Get your connectivity information here.

XCE L L EN C E AWA RDS 38 EThe Who’s Who of Private Lending.

CO N FEREN C E 44 2020 Get the details on next year’s Annual Conference.

O RS 46 SPONS Our thanks to those who support our mission.

THERE’S A REASON AAPL’S ANNUAL CONFERENCE IS KNOWN AS “THE BIG ONE.”

TURIN

Conference Map

PISA

TREVI

PALERMO

MODENA

SIENA Office 1

Registration Desk

CONSUL BOARDROOM

SENATE BOARDROOM

Freight CA E S ARS PAL ACE PROMEElevators NAD E LE V E L

POMPEIAN BALLROOM Office 3

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Elevators

ROMAN BALLROOM GENOA

Escalators

Exhibit Hall

Meeting Services

Registration Desk

Registration

CAPRI

Office 2

MESSINA

Promenade

LIVORNO

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FLORENTINE BALLROOM

IV

Sessions & Classes

ANZIO

DI S C L AIM ER The American Association of Private Lenders (AAPL) and its related affiliates (including but not limited to: Think Realty, Geraci LLP, Caesars Palace) and all sponsors will not be held liable for any and all manners of action, suits, damages, or claims whatsoever arising from any loss, damages, or claims to persons or property during the conference.

AAPL reserves the right to take action with members who fail to comply with the AAPL Code of Ethics. Management reserves the right to make final n on this page are not accurate representations of PANTONE, MADEIRA, FUFU, interpretation of all rules.

RIS color standards. Whatever process or materials you use, please match your NTONE, MADEIRA, FUFU, or PARIS numbers indicated on this page.

4 CONFERENCE MAP \\JUNHUEI #AAPLANNUAL

Exhibitor Section Name Map F I ND AN EX HIBITOR

5arch Activist Legal Alfred AlphaFlow Appraisal Nation Bridge Loan Network Carolina Cap. Mngmt.

Cherrywoord Mortgage Chetu Civic Financial Services CohnReznick Constructive Loans Elmsure Insurance Equity Trust Evergreen Note Srvc.

FCI Lender Services Geraci LLP Grand Coast Capital Group Househacker Pro

210 103 205 313 109 302 504 100 303 208 209 310 403 401 105 405 413 111 107

Ignite Funding Image X Innovation Kennedy Funding LHR&G LLP LendingWise Liquid Logics Mortgage Automator Noble Capital Note Servicing Center PCV Murcor PeerStreet Private Lender Link Private Mortgage Fund ProDeal Prospera Quest Trust Company RCN Capital REI Loans Residential Capital

211 203 104 309 207 308 404 508 408 311 506 305 101 400 202 407 113 301 213

Roc Capital Holdings Scheer Law Group Scotsman Guide Secured Investment Sharestates Smith Graham Spiegel Accountancy Sunset Equity Superior Loan Servicing The Mortgage Office Toorak Capital Partners Total Lender Solutions Triumph Cap. Partners Velocity Mgt. Capital Verus Mgt. Capital Walnut Street Finance We Lend LLC Western Technologies Zinc Financial

502 304 108 204 102 306 510 307 110 410 300 200 411 402 406 206 409 201 112

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5

We’re Picky Too.

Originating Only High Quality Loans.

Visit Us at Booth 206 Real Estate Private Lender

www.walnutstreetfinance.com

Schedule THURSDAY, NOVEMBER 7 9:00AM - 5:00PM

AAPL-Certified Fund Manager Classes

9:00AM - 5:30PM

AAPL-Certified Private Lender Associate Classes

1:00 - 5:00PM

Exhibitors’ Check-In & Setup

7:30 - 10:30PM

VIP Reception [Sponsors & Members]

FRIDAY, NOVEMBER 8 7:30AM - 5:00PM

Registration

7:30AM - 7:30PM

Exhibitors’ Hall Open

8:00AM - 1:00PM

Morning Sessions

1:00 - 2:15PM

Lunch [Not Provided]

2:15 - 4:30PM

Afternoon Sessions

5:00 - 5:45PM

Power Networking

5:30 - 7:30PM

Networking Reception

with The Mortgage Office

with PeerStreet

SATURDAY, NOVEMBER 9 7:30AM - 11:30PM

Registration

9:00 - 11:15AM

Morning Sessions

11:30AM - 12:15PM Excellence Awards

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7

Other Lenders Can't Compete.

5arch is giving the industry something to talk about with some of the lowest rates on loans available from a direct lender.

• SFR loans as low as 3.74% / 3.961% APR1 • Multifamily loans as low as 6.75% / 8.847% APR3

• Fix and Flip loans as low as 6.99% / 8.910% APR2 • Ground Up loan as low as 9.25% / 11.150 APR4

Other investors will be wondering how you grew so fast.

Seize the rate today.

833-411-0596 • info@5archfunding.com • 5arch.com/AAPL2019 5 Arch Funding Corp./NMLS ID # 1039184. 19800 MacArthur Blvd., Ste. 1150, Irvine, CA 92612; Arizona Mortgage Broker License # 0933148; Oregon Mortgage Lending License Number ML-5475; CA Bur of Real Estate – Real Estate Broker Corporation License #01928500; California loans made or arranged pursuant to a California Finance Lenders Law License, # 603K373; Louisiana Loan Broker Notification 43472334F. 5 Arch Funding Corp. makes first lien mortgage loans. In certain states, 5 Arch Funding Corp. only lends to entities. In Nevada, loans are available through 5 Arch Funding Corp.’s business partners; 5 Arch Funding Corp. does not make or arrange loans in Nevada. BorrowBetter is the service mark of 5 Arch Funding Corp. 1 3.961% APR is based on a $500,000 loan at an interest rate of 3.74% with a term of 5 years and an origination fee of 1%. Interest-only payments for 59 months and final payment of all principal, remaining interest and fees. 2 8.910% APR is based on a $500,000 loan with a term of one year at an interest rate of 6.99% and an origination fee of 2%. Interest-only payments for 11 months, with final payment of all principal, remaining interest and fees. 6.99% rate is based on a loan secured by real property in California; higher rates apply to loans secured by real property in states other than California. 3 8.847% APR is based on a loan of $500,000 with a term of one year at an interest rate of 6.75% and an origination fee of 2%. Interest-only payments for 11 months with final payment of all principal, remaining interest and fees. 4 11.150% APR is based on a $500,000 loan with a term of one year at an interest rate of 9.25% and an origination fee of 2%. Interest-only payments for 11 months, with final payment of all principal, remaining interest and fees. Terms may vary based on your particular situation.

Visit our booth at AAPL Conference & Expo Booth #306

LIQUIDITY SOLUTIONS FOR PRIVATE LENDERS Smith Graham Investment Advisors is a dedicated strategic capital partner for private money lenders throughout the United States. Our platform helps lenders, like you, raise capital by efficiently selling loans. Since 2009, we have successfully transacted in over $2 billion of whole loan purchases.

SGIA Private Loan Purchase Program

Collateral:

1-4 Family Residential Investment Properties, Multifamily Properties

Geography:

Nationwide

Loan Types:

Fix and Flip/Rehab Loans, Acquisition, Rental, Multi-family

Rehab Draws:

Finance 100% of Rehab

Servicing:

Originator continues to service the asset after purchase

140 Broadway, New York, New York 10005

contactmre@smithgraham.com 212-487-5086 www.smithgraham.com

Featured Speakers FORMER CONGRESSMAN

Barney Frank

Frank was elected to the Massachusetts House of Representatives in 1972. In 1980, he won a seat in the U.S. House of Representatives. His 32-Year career there included serving as Chairman of the House Committee on Financial Services from January 2007 to January 2011.

PRINCIPAL

Paul Jackson

Residential Capital Partners is a leading hard money lender with a national scope and local presence in each market they service. Their partners affiliates have flipped over 2,500 properties themselves. Paul has led the company for 10 years, helping grow it into the powerhouse lender it is today.

CO-FOUNDER & CEO

Ray Sturm

AlphaFlow is an asset manager that partners with local hard money lenders around the country to purchase loans and provides other services as a capital partner.

10 SPEAKERS \\ #AAPLANNUAL

PARTNER

Nema Daghbandan

As manager of the Real Estate Finance Group at Geraci LLP, Nema’s practice entails all facets of lending matters across the U.S., including preparation of loan documents, loss mitigation, preparation and negotiation of secondary market documents and more.

CEO

Jeffrey Tesch

Jeff oversees the day-to-day operations of RCN Capital, including sales growth initiatives, underwriting review with compliance oversight, and leadership of senior-level strategic planning. Jeff has personally underwritten over 4,500 loans and overseen more than $1B in originations.

CHAIRMAN & CEO

Eddie Wilson

As the head of the American Association of Private Lenders and Think Realty, Wilson has deep experience in both the lending and real estate investment industries.

Speakers continued on page 12.

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11

Speakers

Oliver Austria Triumph Capital Partners

Jeff Carter

Grand Coast Capital Group

Haley Gant

Quest Trust Company

Mike Fallot MM Lending

Cort Chalfant

Chris Fuelling

Henry Chavez

Matthew Gunter

Nexus Private Capital

Spiegel Accountancy Corp

Benjamin Donel Sunset Equity

12 SPEAKERS \\ #AAPLANNUAL

LendingWise

RCN Capital

Mike Hanna

Investmark Mortgage

Greg Hebner Arixa Capital

Jon Hornik, Esq. LaRocca Hornik Rosen & Greenberg LLP

Kat Hungerford

American Assocation of Private Lenders

Ruby Keys Geraci Media

Kevin Kim Geraci LLP

Tae Kim Geraci LLP

Kellen Jones

Erica LaCentra

Sam Kaddah

Stephan Leccese

Prospera

Liquid Logics

RCN Capital

AlphaFlow

Speakers continued on page 14.

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13

Speakers [CONT.] Beeta Lecha

Spiegel Accountancy Corp

Jeff Levin

Specialty Lending Group

Michael Miller 5arch

Robert R. Montagne

Walnut Street Finance

Melissa Martorella

Elizabeth Morales

Valley Matlaga

Susan Naftulin

Whit McCarthy

Cindy Nasser

Geraci LLP

Appraisal Nation

Civic Financial Services

14 SPEAKERS \\ #AAPLANNUAL

The Mortgage Office

Rehab Financial Group

PCV Murcor

Alex Offutt

Rony Rodriguez

Ketan Parekh

Thomas K. Standen, IV

Constructive Loans

Verus Mortgage Capital

Ted Parker

Millennium Trust Company

AJ Poulin

The Mortgage Office

Chris Ragland Noble Capital

CohnReznick

Note Servicing Center

John Tedesco

Appraisal Nation

Michael Tedesco Appraisal Nation

AT #AAPLANNUAL, OUR SPEAKERS ROLL UP THEIR SLEEVES TO GET DEEP INTO TACTICS FOR SUCCESS.

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15

Boost your Investor Loan business As the market for Residential Business Purpose Loans evolves, it’s important that your business is connected to a reliable investor partner. Verus Mortgage Capital is an experienced investor that will help you grow your Bridge, Renovation, Ground Up Construction and Term Rental loan business. You keep the borrower relationship, we buy the loan.

Let Verus give you the expert guidance and support you need.

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Contact Mark Dellovo or Jeff Schaefer Mark Dellovo mdellovo@verusmc.com | Call: 202-780-1093

verusmc.com

Jeff Schaefer jschaefer@verusmc.com | Call: 202-534-1821

Quick. Creative. Flexible.

We are a direct private lending firm that provides creative financing solutions to real estate investors nationwide.

Contact us to learn more about our residential and commercial loan products.

1 (888) 833-0381 | www.grandcoastcapital.com | borrow@grandcoastcapital.com

Pre cis ion

ty yal Lo

Pro fe

Innovativ e

• Online Portals • Multi-lender Loans • ACH & Direct Deposit • No Note Minimum/Maximum • Property Taxes & Insurance payments • 1098’s, 1099’s, and CA 593-I’s • And more! Contact For More Information.

al ion ss

Our Services Include:

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er stom Cu Care

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Whova Event App

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18 WHOVA EVENT APP \\ #AAPLANNUAL

You can send the file to your email or shar with your colleague by putting his/her em

Your Connection to Global Capital Come see us at booth #506 And don’t forget to join us for our hosted cocktail reception at 5:30 p.m. PT on Friday, November 8, 2019, in the exhibit hall!

OPPORTUNITY UNLEASHED. Whether you’re an experienced investor or a first-time borrower, we are here to help you break through traditional lending barriers to unleash ever-increasing success.

CORRESPONDENT � Fix & Flip / Bridge solutions

� Stabilized Rental Program (1-4 units)

� 75-80% LTV

� 5/1, 7/1, 10/1 ARM

� Up to 100% of rehab

� Single asset or portfolio

� No pre-payment penalty on one year loans

� Minimal DSCR requirements

� Closing as fast as 5-10 days

� Speed & leverage

� Back-end revenue opportunity � Warehouse lines provided - $7MM, $10MM, $25MM � Expand your book of business with a new investor product � Originate and close loans in your name � CIVIC prior approval required

� 1 & 2 year terms

Our Money’s On You. (877) 47-CIVIC www.civicfs.com

Networking Guide V I P RECEPTION THU , NOV 7 @ 7:30PM OM N I A NIG HTCL U B To celebrate our 10th anniversary, we’ve rented out the OMNIA Nightclub in Caesar’s Palace. Spend an evening of meeting up with old friends and new acquaintances, snacking on delicious hors d’oeuvres and cocktails — all overlooking the stunning Las Vegas Strip. The reception is complimentary for sponsors and AAPL members, and available for guest purchase during online registration.

POWE R N ETWO RK I N G FRI , NOV 8 @ 5: 00P M CONFE R EN C E FOY ER This fun, fast-paced hour (open to all conference attendees) will put you on a first-name basis — if you can remember them all — with nearly everyone at the conference.

Come prepared with a stack of business cards!

Hosted with energy and enthusiasm

by AJ Poulin, Vice President of Sales for The Mortgage Office.

20 NETWORKING GUIDE \\ #AAPLANNUAL

NETWORKING RECEPTION FRI , NOV 8 @ 5: 30P M E XHI BI T H A L L Continue conversations at this afterhours reception, where attendees, sponsors and speakers can enjoy a special performance from an America’s Got Talent entertainer, complimentary hors d’oeuvres and the happy after-effects of two drink tokens following the first full day of sessions.

A F T E R PARTY F R I , NOV 8 @ 9 P M B E E R PARK L AS V E GAS Join Appraisal Nation and RCN Capital for this special after-party, Private Lending Pledge Night. Bring your best aim, because this collegeparty-themed event will feature an All-Star Beer Pong Tournament, an open bar and small bites.

Pick up your entry card at Appraisal Nation booth 109 or RCN booth 113.

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21

The power of premium. $10/month for everything a real estate investor needs to succeed.

Complimentary entry to Think Realty events • Think Realty Magazine delivered monthly • Think Realty Housing News Report online • Discounts from major suppliers • Articles, webinars, videos and podcasts from top experts on REI education and emerging trends • Lender, wholesaler, and REI Group lists • And more

Sign up today at ThinkRealty.com/join.

First month free with code TRACCESS.

Day 1 Agenda DAY 1 : F RIDAY, NOV E MBE R 8 2019 8:00-8:30AM Florentine I &II

STATE OF THE ASSOCIATI ON Eddie Wilson, American Association of Private Lenders.

From big wins in legislative advocacy to launching new data programs and benefits, learn about how this year, we’ve done more than ever to support the private lending industry.

8:30-9:30AM Florentine I & II

BUSINESS INSIGHTS FROM THE FAIRWAY Paul Jackson, Residential Capital Partners.

Tee yourself up for success by applying these core principals of golf to your lending practices: alignment, integrity, teamwork, and knowledge of the landscape.

9:45-10:45AM Florentine I & II

BEYOND THE HYPE: HOW DATA & TECHNOLOGY CHANGE EVERYTHING Ray Sturm, AlphaFlow.

Gain insights from AlphaFlow’s data analytics to better understand the key drivers of credit performance in the residential bridge loan market and how you can use technology to avoid common hazards.

11:00-11:45AM KEYNOTE FROM FORMER UNITED STATES CONGRESSMAN BARNEY FRANK Florentine I & II Barney Frank, Retired Member of the U.S. House of Representatives for Massachusetts.

12:00-1:00PM BREAKOUTS Florentine I & II

THE YEAR OF THE CORRESPONDENT: PRIVATE LENDING IN 2019 Nema Daghbandan, Esq., and Kevin Kim, Esq., Geraci LLP. The days of brokering loans to investors or solely using a mortgage fund are dead. Are you selling, participating and table-funding? If not, your competition is. Learn tactical ways to understand what your competition is doing.

24 AGENDA \\ #AAPLANNUAL

Florentine III

MARKET & TREND ANALYSIS OF THE REI & PRIVATE LENDING INDUSTRIES Sam Kaddah, Liquid Logics; Stephan Leccese, AlphaFlow; Robert R. Montagne​, Walnut Street Finance.

Moderator: Beeta Lecha, Spiegel Accountancy Corp.

These national leaders have a large-scale snapshot of the private lending and REI industries — along with a depth of experience to forecast coming market trends.

Florentine IV

THE L ATEST IN PRIVATE LENDER TECH Chris Fuelling, LendingWise; Kellen Jones, Prospera; Thomas K. Standen. IV, Note Servicing Center.

Moderator: Sam Kaddah, Liquid Logics.

Learn about the most advanced tools available for loan origination, servicing, disposition, reporting and more.

2:15-3:15PM BREAKOUTS Florentine I & II

MAKING THE LEAP FROM SINGLE FAMILY TO MULTI-FAMILY & COM MERCIAL LENDING Oliver Austria, Triumph Capital Partners; Ben Donel, Sunset Equity; Michael Miller, 5arch.

Moderator: Jeff Carter, Grand Coast Capital Group.

Multi-Family and Commercial lending can be extremely lucrative, but require a different approach. Learn from these industry experts on how to make the transition.

Florentine III

CONVERTING DEBT FUNDS INTO REITs Beeta Lecha, Spiegel Accountancy Corp; Greg Hebner, Arixa Capital; Rony Rodriguez, CohnReznick.

Moderator: Kevin Kim, Geraci LLP. How, when, and why should you consider (or not) converting a private lending fund to a REIT? An attorney, two CPAs, and a fund manager will come together to give you the details.

Day 1 agenda continued on page 28.

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25

Day 1 Agenda [CONT.] DAY 1 : F RIDAY, NOV E MBE R 8 2019 2:15-3:15PM BREAKOUTS Florentine IV

(CON T I N UT E D)

AAPL’s ETHICS COMMITTEE: SCAMS, FRAUD & YOU - OH MY! Mike Hanna, Investmark Mortgage; Kellen Jones, Prospera; Robert R. Montagne, Walnut Street Finance; Susan Naftulin, Rehab Financial Group; Jeff Tesch, RCN Capital.

Moderator: Melissa Martorella, Geraci LLP. Q/A with AAPL’s Ethics Committees on the scams and fraud of which private lenders should be aware.

3:30-4:30PM BREAKOUTS Florentine I & II

MARKETPL ACE DRIVERS: INVESTORS & THE NEW LOAN PRODUCTS TH EY ARE CREATING Jon Hornik, Esq. LaRocca Hornik Rosen & Greenberg LLP. Learn about the innovative new loan products being driven by Wall Street note buyers in the short-term bridge and longerterm lease space, plus legal opinions for loan transactions and title policies.

Florentine III

CROWDFUNDING & OTHER ALTERNATIVE FUNDING METHODS Haley Gant, Quest IRA; Tae Kim, Geraci LLP; Alex Offutt, Constructive Loans; Ketan Parekh, Verus Mortgage Capital.

Moderator: Jeff Levin, Specialty Lending Group.

Sourcing consistent deal capital can be one of the biggest challenges to breaking through into the big time of private lending. Learn how to make it happen with this panel.

Florentine IV

GET TING IT RIGHT ON DUE DILIGENCE & ASSET VALUATION Whit McCarthy, Civic Financial Services; Cindy Nasser, PCV Murcor; Michael Tedesco, Appraisal Nation.

Moderator: Henry Chavez, Spiegel Accountancy Corp.

With increasing pressure to keep interest rates and fees low, absolute accuracy in due diligence and asset valuation can be the difference between amazing profits — or crushing losses.

28 AGENDA \\ #AAPLANNUAL

Day 2 Agenda DAY 2: SAT U RDAY, NOVEMB ER 9 2019 9:00-10:00AM BREAKOUTS Florentine I &II

Q/A WITH MARKETING MASTERMINDS Erica LaCentra, RCN Capital; Ruby Keys, Geraci Media; Valley Matlaga, Appraisal Nation.

Moderator: Elizabeth Morales, The Mortgage Office.

Get inside the minds of these marketing leaders as they share how their decisions and insights have propelled their businesses into industry-leading brands.

Florentine III

AUTOMATION IN BUSINESS: A FIRESIDE CHAT Nema Daghbandan, Geraci LLP; Kat Hungerford, AAPL. Learn how to get more time back in your day by automating tasks that happen on repeat. Nema and Kat will share tools and processes that have helped take their businesses off of manual mode.

Florentine IV

FORECLOSURES & REO DISPOSITION Jeff Levin, Specialty Lending Group; Randy Newman, Total Lender Solutions; Chris Ragland, Noble Capital.

Moderator: Melissa Martorella, Geraci LLP. While it’s not the goal, foreclosure is an aspect of lending that every private lender eventually has to deal with. Learn how to make the best of a less-than-ideal situation: still turning a profit when the borrower stops paying.

Day 2 agenda continued on page 32.

LEARNING DOESN’T END WITH #AAPLANNUAL. MEMBER BENEFITS ARE YEAR-ROUND.

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29

GAPS in FUNDING STRAP your CASH • 10% interest • 3 points rolled into the loan • 9-month loan term

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Day 2 Agenda [CONT.] DAY 2 : SATURDAY, NOVE MBE R 9 2019

(CO N T I NUT E D)

10:15-11:15AM LEGISL ATIVE TOWN HALL WITH AAPL’s GOVERNMENT REL ATIONS COMMIT TEE Florentine I & II Mike Fallot, MM Lending; Matthew Gunter, RCN Capital; Melissa Martorella, Geraci LLP; Ted Parker, Millennium Trust Company; Chris Ragland, Noble Capital; John Tedesco, Appraisal Nation.

Moderator: Cort Chalfant, Nexus Private Capital.

After launching in 2019, the GRC has been busy getting operations and legislative monitoring set up and fighting battles in Florida and New York. Learn what they’ve been up to and help set goals for 2020 in this Annual Town Hall.

11:30-12:15PM AAPL’s EXCELLENCE AWARDS & WRAP UP Linda Hyde & Eddie Wilson, American Association of Private Lenders.

Florentine I & II

32 AGENDA \\ #AAPLANNUAL

Constructive Loans Offers Creative Funding for both New and Experienced Investors We are a National Lender with Flexible Options to meet all of your Needs

Rental Loans • LTVs up to 85% for Purchase and Rate and Term Refinances • Loan Amounts up to $2,000,000 • 30 & 15 Year Fixed, ARMs, Interest Only Options Available on Both

3rd Party Originations Program • Wholesale, Correspondent, & White Label Opportunities • Table Funding • Common Sense Underwriting • Nationwide Lender with Competitive Rates • Fast Turn times

To learn more about what we can do for you call (844) 562-7407 or visit www.constructiveloans.com today!

Loans are available for business purposes only. All programs are subject to borrower and property qualifications. Rates, terms and conditions are subject to change without notice. Loans are provided by Constructive Loans, LLC, except in AZ, CA, ID, MN, NV, ND, OR, SD, UT, VT and VA. Fay Servicing, LLC d/b/a Constructive Mortgage Services originates loans in all of the foregoing states other than ID, NV (wholesale only), ND, UT and VT. NMLS ID 88244.. Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act and the California Financing Law. Georgia Residential Mortgage Licensee #30196 – 440 South La Salle Street, Suite 2000, Chicago, IL 60605. Visit www.nmlscosumeraccess.org for additional licensing information about Fay Servicing, LLC

FAIR FINANCING POWERFUL SOFTWARE RICH INVESTMENTS PROSPERA.FUND

AAPL HONORS ALL WHO SERVED

Veterans Day November 11, 2019

EXECUTIONDESIGNEFFICIENCY Geraci media is a national marketing and design agency specializing in brand development and growth strategy for private lenders and real estate professionals, nationwide.

COMPANY FLYER PR PRESS MATERIAL

LOGO DESIGN PITCH DECK

WEBSITE DESIGN WEBSITE DEVELOPMENT

CONNECT WITH US! HTTPS://GERACIMEDIAGROUP.COM/ Ruby Keys | r.keys@geracillp.com | 949.379.2600 Geraci Media is part of the Geraci LLP family of companies encompassing legal, media and consulting.

For more information, see https://geracillp.com/

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DEEP INDUSTRY CONNECTIONS. We’re partnering to help you build relationships across the REI landscape.

A WEALTH OF EXPERTISE. Looking for a leg up? We have the answers that will catapult your business.

EXPANSIVE MARKET REACH. Step into the spotlight with media that reaches tens of thousands weekly.

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36 WI-FI \\ #AAPLANNUAL

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Excellence Awards 2 0 1 9 EXCEL L ENCE AWAR D S NOMI NE E S As your association, we are pledged to champion the private lending industry as a viable alternative to conventional finance and to promote the industry’s reputation and future growth. We believe, as part of that mission, that it’s crucial to recognize those in the industry who look beyond their own businesses to elevate the private lending profession.

Our Excellence Awards showcase peer-nominated members who have leveraged their resources to solve problems, advance the industry and professional performance, kick-start innovation and improve their communities. We’ll announce winners—by popular vote—at our 10th Annual Conference Awards Ceremony.

Check out the nominees below.

CO MM UNITY IM PACT This award honors dedicated and innovative professionals and their commitment to bettering their local and/or private lending communities through volunteering, programs or civic/legislative efforts.

Edwin Epperson // Vertical Mortgage Fund

“Edwin was absolutely instrumental in fighting — and winning — the Florida mortgage licensing legislation battle, volunteering hundreds of hours to the cause and showing up personally to committee hearings and meetings with legislators.”

— Nema Daghbandan, Geraci LLP

Nathan Shinder // PeerStreet

“Nathan led the charge in opening up a new loan product that has a direct impact on borrowers’ ability to purchase and make more properties available for rent. The widespread impact in communities is palpable.”

— Rebekah Jack, PeerStreet

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R I S I NG STAR Rising Stars are members who have accomplished outstanding growth in their companies over the past year.

Parker Crockett // PeerStreet

“Parker has risen through the ranks to become one of our top senior analysts. He started out as an intern and has moved through the company, driving many of our process improvements and piloting a program that is now one of our most important product lines. He’s a top performer, a mentor to his colleagues and highly collaborative in the face of intense deadlines.”

— Rebekah Jack, PeerStreet

Abhi Golhar // Summit and Crowne

“Abhi is a wealth of knowledge in the real estatespace, whether investing or lending. His willingness to educate others and stay at the forefront of industry trends sets him apart. He is fast making a name for himself as a nationally syndicated radio host, speaker and writer.”

— Carmen Fields, Think Realty

Camilo Niño & Ricardo Uribe // LV Lending

“As founding partners, they have led the firm to represent some of the region’s most highprofile transactions, including Tyler Perry’s former production studio in Atlanta. The company has a current servicing portfolio of $171 million, and since starting operations in 2013, has closed more than $331 million via 460 loan transactions in Florida and Georgia.”

— Jennifer Becker, LV Lending

Jacob Therrien // Bridge Loan Network

“Jacob has been a major factor in the company’s expansion and evolution in the private lending space this year. Bridge Loan Network now has 251 active lenders and close to 2,000 active brokers. He’s worked diligently to ensure users understand everything the platform has to offer.”

— Erica Sikoski, RCN Capital

Awards continued on page 40.

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Excellence Awards [CONT.] M E MBER OF THE YE AR This award goes to one lender and one service provider based on their deep expertise, unique value, and strong commitment to clients and growing the industry.

LENDERS

Bob Eakin // Jcap Private Lending

“Bob has been in the lending industry since the ‘80s, has mentored many people and has started a video series to share his experiences.

He is also committed to partnering with nonprofits around the world, with projects in Vietnam, Peru, India and local urban youth programs.”

— Laurie Medina, Jcap Private Lending

Mark Fossella // Summit Capital

“Mark has helped Summit Capital see 100% growth year over year as an up-and-coming company that made $20 million in loans in 2018, with goals of $35 million for 2019.”

— Summit Capital employee

Chris Ragland // Noble Capital

“This year, more than ever, I have seen AAPL succeed in getting its message out. Though credit is due to the effectiveness of the association’s leadership, this year Chris has been one of those unique variable pieces in the puzzle that has propelled the organization’s value to its members, brand awareness and overall significance.”

— Romney Navarro, Noble Capital

RECOGNITION IS A CORNERSTONE OF WHAT IT MEANS TO BE AN ASSOCIATION. WE TAKE IT SERIOUSLY.

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SERVICE PROVIDERS

Nema Daghbandan // Geraci LLP

“Nema’s commitment to the private lending industry is unmatched.

From speaking at conferences to representing AAPL in front of the Florida mortgage licensing legislative battle, his passion for the industry demonstrates his commitment to advancing its interests.”

— Melissa Martorella, Geraci LLP

Brew Johnson // PeerStreet

“Brew’s work as a founder of PeerStreet has been instrumental in solving a crucial problem for private lenders—access to capital.

Providing a platform that connects lenders to investors around the country has materially improved the mortgage finance ecosystem for lenders, investors and borrowers.”

— Rebekah Jack, PeerStreet

Michael Tedesco // Appraisal Nation

“Michael brings a passion and expertise that is contagious. He’s at the forefront of what’s going on in the industry, bringing his one-stepahead insight to his clients and colleagues and providing a muchneeded service to private lenders and their business processes.”

— Valley Matlaga, Appraisal Nation

2018 AWARD RECIPIENTS

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