AAPL's 6th Annual Conference Program

November 8-10, 2015 | Caesars Palace AAPLConference.com

#AAPLAnnual

2015 Annual Conference & Exhibition

CONFERENCE

PROGRAM

Key Ways To Generate Passive Income With Capstone Funding Group

Which Investor Are You? Private Lender

You benefit from predictable passive returns and consistent monthly income.

Plus, your investment is secured by real assets.

Fund Investor

As an accredited investor, you provide the capital, we do all the work. Participate with our team of experts in a purely passive investment vehicle. Shared Risks. Shared Rewards.

Note Buyer

Actively build your own real estate note portfolio purchasing assets directly from us.

We offer a variety of assets to help you meet your passive income goals.

Stop By the Capstone Funding Group Booth to Learn More. Or Visit: CapstoneFundingGroup.com

CFG

CAPSTONE

Funding Group

Leveling the Playing Field

PeerStreet is a marketplace for investing in real estate backed loans.

PeerStreet is the leading marketplace-lending platform for real estate debt, allowing investors to easily invest in high-yield real estate loans that were historically very diicult to access.

PeerStreet is secure and intuitive with an easyto-use interface. Now, participating in these deals is as simple as buying stocks. Just fund your account and select your investments.

A better deal for everyone.

TM

www.hiscapitalgroup.com

PeerStreet.com 3

Accelerate your path to passive income...

The 3rd Annual Note Investor Summit LIVE January 20-23, 2016 | San Diego, CA

4 FULL DAYS of NOTE-INVESTING KNOW-HOW

Connect with 300+ High Level Real Estate & Note Investors.

Learn.

•How to Diversify with Notes •How to Quickly Analyze a Deal •How to Create “Win–Win” Workouts

Engage.

•What’s Working Now Panel Discussions •Recent, Real & Relevant Case Studies •Meet the Right People & Service Providers

Profit.

•How to Structure Tax–Free Deals •How to Become Magnetic to Capital •How to Streamline the Note Buying Process ...And Much, Much More.

Use Promo Code ”AAPL15”

for Discounted Pricing

Stop By the Capstone Funding Group Booth Or Register Today at: NoteInvestorSummit.com

5

I

N

T

R

O

D

CAPITAL

U

C

I

N

G

PROVIDER

FOR PRIVATE LENDERS Roc Lending is solely in the business of providing capital to Private Lenders. We have a dedicated team ready to handle your order flow, from origination to construction draws to payoffs. We’re not just a capital provider, we’re your dedicated back office. Less capital raising, more originating. Elevate your return on capital with Roc.

PROGRAM DETAILS:

• Eligible Borrowers: Private Lenders and Investment Funds

• Eligible Collateral: 1-4 Family Non-Owner Occupied Residential Investment Properties • Maximum Account Size: $50 Million • No Up-Front Fees

• Advance Rates Up to 90% • No Personal Recourse

• No Cross-Collateralization

“Roc has been paramount in helping us grow. They table fund our loans with a higher advance rate than any bank. They have a dedicated team on call to process and approve construction draws and payoffs.

With Roc, we can focus on making loans instead of raising money.”

—David Hansel, President, Alpha Funding Solutions

Contact us at info@roclending.com or call 212-607-8314 Learn more at www.roclending.com 40 West 57th Street New York, NY 10019 Roc Lending is a subsidiary of Roc Capital Holdings LLC.

Elevate your return on capital with Roc

FOCUS...

ON YOUR CORE BUSINESS and let us handle your accounting.

Get virtual accounting solutions for private lenders, mortgage pools, and real estate firms tailored to your specific needs.

You’ll have accurate and up-to-date financial information on demand. Your sensitive data is always confidential and secure.

C a ll R C G Today

7 www.RollinsConsultingGroupLLC.com or 386-562-3016

FCI Lender Card 9.11.12_Layout 1 9/11/12 11:33 AM Page 1

Most Loans

Loan Sub Servicing $15 mo/inv.

FCI LENDER SERVICES

Also Available: FORECLOSURE PROCESSING & COORDINATION

SPECIALTY LOAN SERVICING FOR DELINQUENT LOANS REO MANAGEMENT SERVICES

Call us: (800) 931-2424 x203 FCI NMLS # 4920

www.trustfci.com FCI DRE # 01022780

9

10

VETERANS DAY

We Salute You 11

Want to compete in the big leagues?

The Mortgage Office can help you get there. Here’s how:

Increase productivity and accuracy

Used by countless AAPL members

Service multi-lender loans or pools

BRE, RESPA, and CFPB compliant

Attract more investors

Enhanced reporting and forecasting

Online investor access 24/7 Built in Trust Accounting Handle ARM, Construction, and Commercial Loans

Automate payment distribution Automate budget and draw process for rehab loans

800.833.3343 | themortgageoffice.com

MEET YOUR HOSTS

MAKE YOUR CAPITAL GO FARTHER.

Discover the crowdfunding platform everyone is talking about. Scale your business by partnering with Patch of Land.

MATT BENSON EXECUTIVE DIRECTOR

LINDA HYDE DIRECTOR OF OPERATIONS & MEMBER SERVICES

CHRISSEY BREAULT DIRECTOR OF MARKETING & EDUCATION SERVICES

GET STARTED TODAY! SPEAK TO ONE OF OUR SPECIALISTS OR VISIT US ONLINE:

MIKE WRENN CEO

888-503-0263 info@patchofland.com patchofland.com ŠPatch of Land Lending, LLC, a subsidiary of Patch of Land, Inc., is the originator and lender of record.

NMLS#1286539; CFL License 60DBO-45420; Oregon Mortgage Lender License #5384. We currently lend in all states except for the following: AZ, NV, SD. Origination fees and other fees may apply. This is not an offer to lend. Any financing will be subject to a credit evaluation, approval of the subject property, and other restrictions.

Terms and conditions are subject to change.To qualify, a borrower must meet our underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must meet certain conditions. Your actual rate will depend on a variety of factors. Rates and Terms are subject to change at anytime without notice.

EDDIE WILSON PRESIDENT

13

“Creativity is intelligence having FUN!” - Albert Einstein

More 2014 memories can be found at Facebook.com/AAPLonline!

meet the nation’s go to attorney for private lenders.

Jon Hornik, Partner

With over 20 years’ experience in the private lending industry, Jon Hornik has earned the respect of both borrowers and lenders alike. Mr. Hornik currently represents and advises many nationwide private lenders. His expertise includes: •Closing private money deals •Licensing requirements •Usury •Predatory lending •Underwriting •Structuring •Private placements Memories captured by: 732.409.1144 | www.lhrgb.com

14

Capital Provider for Private Lenders Product Details: Eligible Loan Receivables secured by: Single family, multifamily, small balance CRE Amount: $10 - $75 million Limited “bad boy acts� guaranty Locations: Nationwide Lien Positions: First liens Term: 3 - 5 years Eligible Borrowers: Investment funds, bridge lenders, family offices

Taylor Osborn

TOsborn@BofI.com

858-764-2902

15

VE SA 7th Annual

E AT ED

TH p r e s e nt s

CONFERENCE & EXHIBITION November 13-15, 2016

Caesars Palace, Las Vegas AAPLOnline.com 16

17

Powerful “Think Time” with Industry Experts

ERIC ABRAMOVICH Co-Founder, Roc Lending

JIM BEAM Partner, RebeccaRice & Associates

JON HORNIK Founding Partner, LaRocca, Hornik, Rosen, Greenberg & Roca

TIM ROOD Founder, The Collingwood Group

CARRIE COOK CEO, Preferred Trust Company

TOM BRAEGELMANN CEO, GCA Equity Partners

18

EDDIE WILSON President, Affinity Enterprise Group

NEMA DAGHBANDAN Associate Attorney, Geraci Law Firm

ROBERT BUCHANAN Managing Partner, Pride of Austin Capital Partners

DOUG COCHRANE SVP, Acquistions & Underwriting, Patch of Land

MARC HEENAN Head of Commercial Origination & Asset Management, PeerStreet

MIKE HANNA Owner, Investmark Mortgage, LLC

ANTHONY GERACI Principal, Geraci Law Firm

ABHI GOLHAR Managing Partner, Summit & Crowne Partners

AARON HALDERMAN Senior Partner, Capstone Funding Group, Inc.

#RealEstateDealTalk

KELLEN JONES President, FundingDatabase. com

JOHN HELMICK Co-Founder & CEO, Gorilla Capital

KEVIN KIM Associate Attorney, Geraci Law Firm

WALT HIGGINS II Managing Partner, Summit & Crowne Partners

BRETT IMMEL Senior Partner, Growth Equity Group

See this mark? That indicates members of AAPL’s Ethics Advisory Committee.

19

BENSON MILLER General Legal Counsel, Cache Private Capital

RICK MELERO Co-Founder, HIS Capital Group

DONNA KREISLER Chief Operating Officer, Peak Corporate Network

JEFFREY LEVIN President, Specialty Lending Group

AJ POULIN VP of Sales, Applied Business Software (ABS)

SUSAN NAFTULIN Co-Founder, Rehab Financial Group, LP

20

SCOTT LISMAN Director of Mortgage Rediscount, CapitalSource

REBECCA RICE Founder, RebeccaRice & Associates, LLC

DAVID OWEN Sr. Managing Member, A-List Partners Management

JJ PAWLOWSKI Owner/Manager, Kansas City Investor Funding, LLC

The best part of learning is sharing what you know.

JOSH STECH Founding Partner, LendingHome

BELINDA SAVAGE Business Development, IRA Services Trust Company

JEFFREY TESCH Managing Director, RCN Capital

MATTHEW SULLIVAN Founder, Crowdventure.com

SUNEET SINGAL Principal, First Capital Real Estate Investments

MAKSIM STAVINSKY Co-Founder, Roc Capital

SHAWN WOEDL Vice President, National Real Estate Insurance Group

SALVATORE SALZILLO SVP & Group Head , Lender Finance at BofI Federal Bank

See this mark? That indicates members of AAPL’s Ethics Advisory Committee.

21

SPEED NETWORKING FOR LENDERS, INVESTORS & SERVICE PROVIDERS With energy and enthusiasm, AJ Poulin, VP of Sales, Applied Business Software (makers of The Mortgage Office), will host a speed networking event to help you connect with everyone in the room! Bring your business cards, questions, smile and elevator pitch. You will meet investors, brokers, lenders, and service providers to help you achieve your goals!

Monday, November 9, 2015 4:00 - 5:00 p.m.

Caesars Palace - Promenade Level All Conference Attendees Welcome!

22

 Expand your Network - FAST  New Contacts Every Few Minutes  Maximize your Time  Accelrate your Networking  Meet Face-to-Face with Propective Clients, Partners & Referrals!

SCHEDULE OF EVENTS

PROMENADE LEVEL

SUNDAY, NOVEMBER 8 9:00 a.m. - 5:00 p.m.

Certified Private Lender Class*

9:30 a.m. - 12:00 p.m.

Certified Fund Manager Class*

1:00 p.m. - 5:00 p.m.

Exhibitors’ Check-In & Set-Up

6:00 p.m. - 8:00 p.m.

AAPL VIP Reception (invitation only)

MONDAY, NOVEMBER 9 7:30 a.m. - 5:30 p.m.

Attendee Check-In Open

7:30 a.m. - 7:00 p.m.

Exhibitors’ Hall Open

8:45 a.m. - 9:00 a.m.

Opening Remarks

9:00 a.m. - 10:00 a.m.

Keynote Address

10:15 a.m. - 12:30 p.m.

Conference Sessions

12:30 p.m. - 1:30 p.m.

Lunch Break

1:30 p.m. - 4:00 p.m.

Conference Sessions

4:00 p.m. - 5:00 p.m.

Speed Networking

5:30 p.m - 7:00 p.m.

Networking Reception

TUESDAY, NOVEMBER 10 7:30 a.m. - 5:00 p.m.

9:00 a.m. - 10:00 a.m.

You are here

Exhibitors’ Hall Open Feature Speaker Presentation

10:15 a.m. - 11:15 a.m.

Conference Sessions

11:15 a.m. - 1:00 p.m.

Lunch Break

1:00 p.m. - 4:30 p.m.

Conference Sessions

4:30 p.m. - 5:00 p.m.

Conference Wrap-Up

*The Certified Private Lender Association and Certified Fund Manager Classes require separate registration and are only available to AAPL members.

The American Association of Private Lenders (AAPL) and its related affiliates (including but not limited to: AGM, AEG, NREIG, Caesars Palace) and all cosponsors 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 to members that fail to comply with the AAPL Code of Ethics. Management reserves the right to make final interpretation of all rules.

23

PRE-CONFERENCE | SUNDAY, NOVEMBER 8 AAPL is dedicated to educating its members and having relevant designations is one way to increase your credibility, knowledge, and success.

WHEN?

WHAT?

WHO?

WHERE?

Certified Private Lender Associate Designation Courses 9:00 a.m. - 10:00 a.m.

Private Lending-Loan Underwriting

Robert Buchanan

Florentine III

Kellen Jones & Benson Miller

Florentine III

Nema Daghbandan

Florentine III

Commercial & Residential Loan Documentation

David Owen & Nema Daghbandan

Florentine III

Mortgage Pools and Fractional Whole Loan Sales

Kevin Kim

Florentine III

Nema Daghbandan

Florentine III

10:15 a..m.- 11:15 a.m. Loan Servicing & Collections

11:30 a.m. - 12:30 p.m.

Federal Private Lending Compliance

12:30 p.m. - 1:45 p.m. Lunch Break

1:45 p.m. - 2:45 p.m.

3:00 p.m. - 4:00 p.m.

4:15 p.m. - 5:00 p.m. AAPL Code of Ethics

Certified Fund Manager Designation Courses Anthony Geraci & Kevin Kim

Florentine IV

1:00 p.m. - 5:00 p.m. Exhibitor Check-In & Set-Up

AAPL & Caesars Palace

Florentine IV

6:00 p.m. - 8:00 p.m. VIP Reception

AAPL Members & Sponsors

9:30 a.m. - 12:30 p.m.

Mortgage Pool Fundamentals

Other Activities

24

The LINQ High Roller Wheelhouse

DAY 1 | MONDAY, NOVEMBER 9 Learn how to build, manage, and grow a successful private lending team with help from our industry experts.

WHEN?

WHAT?

WHO?

WHERE?

8:45 a.m. - 9:00 a.m

Opening Remarks

Eddie Wilson

Florentine I & II

9:00 a.m. - 10:00 a.m.

Keynote Address: Housing Outlook 2016: A Washington View

Tim Rood

Florentine I & II

10:15 a.m. - 11:15 a.m.

Building a Timeless Brand for Your Business

Eddie Wilson

Florentine I & II

Don’t let the Market Cycle Dictate Your Life Cycle

Rick Melero

Florentine III

5 Winning Strategies to Dominate Your Next Deal

Abhi Golhar & Walt Higgins II

Florentive IV

Raising Capital & Deploying it Efficiently

Nema Daghbandan & Kevin Kim

Florentine I & II

11:30 a.m. - 12:30 p.m.

Funding Commercial & Residential Hard Jeffrey Tesch, Money Foreclosures Gene Clark

Florentine III

How to Avoid the 21 Mistakes Borrowers Make When Working with Hard Money Lenders

JJ Pawlowski

Florentive IV

Josh Stech

Florentine I & II

12:30 p.m. - 1:30 p.m.

Lunch (on your own)

1:30 p.m. - 2:30 p.m.

Re-Thinking Mortgage with Technology

Mike Hanna, Susan Naftulin, Nema Championing Ethics: Industry Viewpoint Daghbandan, Kellen Jones, Jeffrey Tesch

Florentine III

The 13 Insurance Myths for the Real Estate Investor

Shawn Woedl

Florentive IV

Crowdfunded Lending: Fad or Future?

Doug Cochrane

Florentinve I & II

How to Upscale Your Operation

Eric Abramovich & Maksim Stavinsky

Florentine III

How to Leverage your Lending Dollars

Rebecca Rice & Jim Beam

Florentive IV

4:00 p.m. - 5:00 p.m

Diversify your Investment Portfolio: Learn How to Make Money 3 Ways with One Investment Vehicle

Brett Immel

Florentine I & II

.

Speed Networking

A.J. Poulin

Hallway

5:30 p.m. - 7:00 p.m.

Networking Reception

Everyone!

Roman I-IV

2:45 p.m. - 3:45 p.m.

25

DAY 2 | TUESDAY, NOVEMBER 10 We know it’s Vegas and you are having fun, but don’t foget we are here to expand your capabilities, find your inspiration, and build on your success...and we don’t mean at the Blackjack table!

WHEN?

WHAT?

WHO?

WHERE?

9:00 a.m. - 10:00 a.m.

Getting Hard Money Deals Done in 2015

Jon Hornik

Florentine I & II

10:15 a.m. - 11:15 a.m.

Private Lending: Where is the Industry Heading?

Jeff Levin, Jeff Tesch, David Owen, Eric Abramovich

Florentine I & II

How to Build your Passive Income Investing in Real Estate Notes

Travis Tollestrup

Florentine III

Raising Capital and Lending Dos and Don’ts: A Practical Guide

Kevin Kim, Nema Daghbandan, Robert Buchanan

Florentive IV

11:15 a.m. - 1:00 p.m.

Lunch (on your own)

1:00 p.m. - 2:00 p.m.

Alternative Funding for Fix and Flip

John Helmick

Florentine I & II

Creative Disruption: Adapting to Change in Evolving Real Estate Markets

Tom Braegelmann, Suneet Singal, Matthew Sullivan

Florentine III

Susan Naftulin, Belinda The Perception of Entrepreneurial Savage, Carrie Cook, Florentine IV Genius: Unlocking a Seat at the Table Donna Kreisler 2:15 p.m. - 3:15 p.m.

3:30 p.m. - 4:00 p.m.

26

Crowdfunding and Marketplace Lending: A New Source of Capital

Marc Heenan

Florentinve I & II

Bank Financing for Private Real Estate “Fix and Flip” Lenders

Salvitore Salzillo,

Florentine III

Make your Lending Dollars Do Triple Duty

Rebecca Rice & Jim Beam

Florentive IV

Conference Wrap-Up

Mike Wrenn & Matt Benson

Florentive I & II

let’s talk

(866) 904-3336

MAKING REAL ESTATE INVESTING AS EASY AS BUYING STOCK Growth Equity Group makes investing in real estate easy by offering inventory, non-recourse financing and management services.

Get

%

20 NON-RECOURSE FINANCING . You’re Approved! . Asset Based Loans In-Place . No Credit Checks

IRR*

NON-RECOURSE FINANCING

PRE-APPROVED

TENANTS IN-PLACE

24/7 MANAGEMENT

ONGOING COMMITMENT

. Pre-screened Tenants In-Place . Turn-key Cash-flow from Day 1 . Vacancy Protection

. Full Property Management . GEGManager.com Access . Around the Clock Protection

. Weekly webinars, phone calls, . newsletters and webinars give . you peace of mind.

PIONEERS AND VISIONARIES

SELF-DIRECTED IRA REAL ESTATE INVESTING Senior Partners Brett Immel & Preston Despenas

et i f g *INTENDED FOR THE PURPOSE OF ILLUSTRATIVE PROJECTIONS TO FACILITATE ANALYSIS

27

SESSION DESCRIPTIONS AAPL is dedicated to educating its members and having relevant designations is one way to increase your credibility, knowledge, and success.

MONDAY, NOVEMBER 9 KEYNOTE | Housing Outlook 2016: A Washington View In his keynote address, The Collingwood Group Chairman Tim Rood, will discuss the state of the US housing finance industry. His presentation will include an update on Fannie Mae and Freddie Mac today, new entrants, and an analysis of the key players in Washington, their priorities, and considerations for reform in 2016 and beyond.

Building a Timeless Brand for Your Business When it comes to your company one of the most important things that you deal with is your Brand. This is also one of the most over used words in the corporate work place today. It has become a catch phrase. Your brand is what your customer perceives you to be when they walk away from an experience with you. Yes it is your logo and aesthetics, but even more than that it is the experience of the customer. This session will deal with how to build and maintain a brand correctly.

Don’t Let the Market Cycle Dictate Your Life Cycle The rhythm of cyclical fluctuations in the economy has followed similar patterns since the dawn of America. As a result, the approaches and strategies used to thrive during lean economic times has been relegated to those that have become students of history; as lenders and investors performance across asset categories typically rotates in line with different phases of each cycle. Critical facts about our economic history and key indicators that have followed the trends of each cycle will dictate your chances of withstanding the next storm.

5 Winning Strategies to Dominate Your Next Deal Join Abhi Golhar & Walt Higgins II as they discuss the five steps to dominate real estate deals plus how you can build a successful real estate team. Stick around to hear real life examples of a new construction deal and lot development before they open up to answer your questions.

Raising and Deploying Capital Efficiently Nationwide Discussion on the various securities regulations that lenders must be aware of when raising capital from investors to fund loans; and in buying, selling trust deed investments. How to fund loans efficiently in all 50 states using investor capital.

Funding Commercial & Residential Hard Money Foreclosures Aside from finding the right property, one of the most difficult aspects of purchasing commercial and residential foreclosures is finding financing. In this panel, top lenders from around the country will delve into what funding options are available for foreclosures and discuss what trends are affecting the foreclosure market and how you can use those trends to your advantage.

How to Avoid the 21 Mistakes Most Borrowers Make When Working with Hard Money Lenders Smooth Processes, Fast Transactions and a Problem-Free Experience: Most seasoned investors understand that financing is one of the most crucial aspects of investing, and while some investors are exclusively cash buyers, most investors will want or need to seek out a loan at some point. Hard money lenders fill a void in the lending business and make loans to investors that many other financial institutions won’t make, but it’s critical for real estate investors to know how to avoid the mistakes that most borrowers make when working with hard money lenders.

Re-Thinking Mortgage with Technology Today’s post-recessionary mortgage market is begging for technological innovation. Traditional banks don’t have the incentive nor flexibility to rise to the challenge. Millennials, the next tidal wave of borrowers, are fed up with the status quo. Nearly half are counting on tech start-ups to overhaul the way banks work and 73%

28

would be more excited about a new offering in financial services from Google, Amazon, Apple, PayPal or Square than from their own nationwide bank. They are embracing a financial services overhaul by turning to online marketplace lenders to refinance their credit cards, student and small business loans. The last domino is about to fall: home loans. LendingHome has created a tech-first mortgage marketplace to offer borrowers, brokers and lenders a transparent, speedy and fair-priced place to do business. Join LendingHome’s Founding Partner and Head of Business Development as we take a glimpse into the future of mortgage.

Championing Ethics: Industry Viewpoint The subject of ethics holds center stage in every facet of the private lending finance chain. The American Association of Private Lenders’ Ethics Advisory Committee will explore the subjective nature of ethics, values and morals; along with how they affect our industry. During this panel discussion you will discover common predatory lending practices and their harmful effects on brokers, lenders, and clients, plus learn more about the AAPL Code of Ethics and the responsibilities and expectations of AAPL members.

The 13 Insurance Myths for the Real Estate Investor During the presentation Shawn will cover common misconceptions about insuring your investment properties with a Homeowners Policy, as well as some of the major differences between Personal and Commercial Lability, and why “Self-Insurance” is too risky. He will also cover why cheaper is not always better for insurance, and why all policies are not created equal.

Crowdfunded Lending: Fad or Future?

Alternate lending platforms - whether for real estate, start-ups, or any other aspect of the economy - don’t appear to be going away anytime soon. We’re seeing it with more accessible, consumer-focused platforms, as well as with the most sophisticated of real estate financing. Innovation in the finance sector hit a major milestone with the passage of the JOBS Act in 2012. It has been three years since it was written into law, and two years since the SEC made a historic decision to enact Title II with Reg D 506(c), which essentially opened up new channels of communication and solicitation around private placements. At that time, a few visionary entrepreneurs launched digital platforms called ‘crowdfunding real estate portals,’ aimed at providing access to capital for real estate financing. Debt financing, private lending and hard money lending have emerged as the largest categories and continue to grow in volume. However, real estate is an industry as old as time, while crowdfunded lending, with only a few years in existence, is only in its infancy. Will this technology-enabled, inthe-cloud model turn out to be a fad, or is it, as many proponents argue, the future?

How to Upscale Your Operation The private lending industry has changed dramatically just in the last few years. Even the name ‘Hard Money Lending’ is a misnomer for much of the volume that is originated today can be institutional in nature, if certain guidelines are adhered to and the loans are packaged appropriately. Like their unsecured counterparts, collateralized loans originated by private lenders are now coveted by the world’s largest financial institutions.

In this transformational workshop, Roc will discuss methods and strategies for private lenders to capitalize on this paradigm shift. Learn about how you can take your lending business to the next level by working with institutional investors. Key topics will include underwriting framework, servicing, valuation methods, and capital raising.

Diversify your Investment Portfolio: Learn How to Make Money 3 Ways with One Investment Vehicle Learn how you can self-direct your IRA into a TRULY self-directed IRA in which you can purchase assets such as real estate, stocks, and bonds. You’re not limited to letting your money sit in your retirement fund, take control and invest in your future.

How to Leverage your Lending Dollars Unlike traditional savings that offer you nearly zero percent interest and only allow your money to be used in one place at a time, this financial tool allows you to make money like the financial institutions do by collateralizing your cash AND continuing to earn interest while you use other people’s money.

Learn how to make a minor adjustment in the way you think about and treat your cash and make a major impact in the bottom line of your business.

29

SESSION DESCRIPTIONS Only an event of this caliber can bring together the most distinguished speakers and offer the most strategic breakout sessions covering the latest topics in private lending.

TUESDAY, NOVEMBER 10 FEATURED PRESENTATION | Getting Hard Money Deals Done in 2015 This seminar is a must-see for anyone currently engaged in the hard money lending business. This presentation will focus on current underwriting and legal pitfalls affecting hard money loans across the country. The speaker will offer innovative structures and topical discussions from underwriting hard money loans to complying with state and federal licensing requirements, state usury laws, predatory lending concerns and obtaining legal opinions for various loan transactions. The speaker will talk about starting a private placement fund to raise money under the new 2012 Job’s Act Provisions and address the impact on the new TILA-RESPA integrated disclosure rules on commercial lending.

Private Lending: Where is the industry heading?

This panel discussion will focus on where the Private Lending Industry is today and where it is heading. Our panel of industry experts will discuss current loan products, rates, LTV’s, and industry trends. The discussion will also delve into the future regulation of Private Lending and related loan programs, as well as what the future market for our industry looks like.

How to Build Your Passive Income Investing in Real Estate Notes Travis Tollestrup is Managing Director of Capstone Funding Group, Inc., a San Diego based real estate and note investment firm. In his presentation “Fresh Case Studies from the Capstone Funding Group Portfolio: Discover the 6 Most Common Note Investing Profit Models & Which One is Right for You,” Travis will share what’s working now, and more importantly, what didn’t work, so you can avoid those same costly mistakes and increase your passive income.

Raising Capital and Lending Do’s and Don’ts: A Practical Guide This presentation will focus primarily on best practices and common issues faced by private lenders in two arenas: raising capital and lending. We will begin our discussion with practical and realistic suggested practices, along with some common mistakes and pitfalls. We will also present the trending issues, concerns and compliance questions and what you can do to resolve, avoid and prevent them. Our focus will be to present a practical, realistic, business-minded discussion of common legal issues faced by private lenders.

Alternative Funding for Fix and Flip The fix and flip space has evolved drastically the last 5 years. And so have the options available to fix and flip investors when it comes to choosing a capital source. With 10 years of experience as one of the largest fix and flip operators in the nation, Gorilla Capital is now primarily funding other fix and flip investors with equity funding.

Coming in with a team mentality, parameters based on ROI, hold times, and investor experience, Gorilla Capital looks to revolutionize this growing asset class and how projects are funded: fix and flip investors funding other fix and flip investors.

Creative Disruption: Adapting to Change in Evolving Real Estate Markets The Internet has completely changed the way we do business. Whether it is Uber disrupting the transportation sector, or AirBnB revolutionizing the hospitality sector, these new business models offer radical new efficiencies.

Real estate is no exception. Financing mechanisms and access to capital for all real estate asset classes are experiencing rapid changes instigated by internet based platforms. This panel will explore the impact of the internet on the real estate sector, and will discuss whether or not real estate crowdfunding will completely disrupt the way business is done for equity and debt players, large and small.

30

The Perception of Entrepreneurial Genius: Unlocking a Seat at the Table While the percentage of women at the top of major corporations have stalled for years, the number of women starting, owning and growing their own businesses is rising. One national study found that the number of womenowned businesses rose 68 percent over the past 20 years, compared to an overall growth rate of just 47 percent for all businesses. Organizations that are the most inclusive of women in top management achieve 35 percent higher return on equity and 34 percent better total return to shareholders versus their peers. Entrepreneurship lets women lead the way they want. Learn from successful female entrepreneurs how to face and overcome challenges in a “man’s” world.

Crowdfunding and Marketplace Lending: A New Source of Capital The crowdfunding and marketplace lending industries continue to grow at an exponential rate. It’s becoming increasingly important for private lenders to better understand how these companies fit into their ecosystem.

There are nuanced differences between crowdfunding and marketplace lending, but both platforms have the potential to grow a private lenders’ footprint and more efficiently run their operations. This session will address the differences between crowdfunding and marketplace lending, the benefits provided to private lenders that participate on crowdfunding and/or marketplace lending sites, whether or not these companies are here to stay and, finally, how to evaluate each platform to ensure you’re partnering with the right team.

Bank Financing for Private Real Estate “Fix and Flip” Lenders How do bank lenders underwrite warehouse loans to private real estate lenders? Regional versus national focus? Recourse versus non-recourse structure? Does it matter if you are backed by family office/high net worth individuals versus institutional investors? Does it help to raise equity capital when the private lender has a letter of intent (“LOI”) for bank financing? This presentation will help private real estate lenders seeking to maximize their returns on equity and to ensure timely funding of their loans.

Make your Lending Dollars Do Triple Duty Stop tying up your cash in low paying savings accounts. Learn about an asset that earns you money even as you borrow against it for your real estate investments.

This simple, but sophisticated vehicle acts like money in the bank. But it does much more for you. It frees you from needing to prove your net worth or fill out another credit form, eliminates the need for a public bank, protects your money from creditors, and pays you interest—even on the money you borrow against!

Bankers and the ultra-rich have been using this asset for generations. Rebecca Rice and Jim Beam explain how the Living Benefits of whole life insurance can be used to simplify your investing and increase your wealth. They teach you how thousands of others are using it to purchase real estate and other business assets privately and more profitably. This works for investors of any wealth level.

Take advantage of compounding to increase the ROI of your investment. With this very specific kind of life insurance you can use the same money to earn interest, borrow easily and quickly—while still growing the cash in your insurance policy, tax-free retirement income, and build substantial death benefits.

31

P A L A C A N R SH A E

Want to strengthen friendships AND an industry?

REFER A MEMBER TO AAPL! Help a colleague, friend, or young professional experience the benefits of the American Association of Private Lenders membership.

By providing this offer to a future AAPL member, you are creating savings for both of you!

Current members have the opportunity to receive a 10% referral fee when signing up a friend.

This fee, translated into AAPLCash, can be used for membership dues, marketing services, and event attendance.

Making the right decisions has its rewards! When you are referred by a member, you will receive 20% off of any one AAPL annual membership. Ready to join?

32

Questions? AAPLOnline.com

NOTES

33

NOTES

34

THANK YOU TO THOSE WHO SPONSOR & EXHIBIT

• • • • • • • • • • • •

BlackSquare SafeGuard Business Advantage The PIP Group Land Gorilla Liquid Logics Ignite Funding Preferred Trust Civic Private Money Lending Five Mile MidAtlantic IRA Think Realty Colony American Finance

• • • • • • • • • •

Asset Avenue Specialty Lending Group IRA Services Trust Company Bloomfield Capital Superior Loan Servicing Helix Money Pride of Austin Capital Partners Speigel Accountancy Corp Community Buying Group National Real Estate Insurance Group • RentFax

• • • • • • • • • • • •

LoanMLS GroundFloor Alliled Servicing Corp Mortgage + Care Appraisal Nation Kansas City Investor Funding Thrive Lending 5 Arch Funding ShareStates Private Money Lending Guide Affinity Referral Services GCA Equity Partners

• • • •

NAREI Quest IRA United Bridge Capital Noble Capital

35

American Association of Private Lenders 7509 NW Tiffany Springs Pkwy, Ste 200 Kansas City, MO 64153 www.aaplonline.com

#AAPLAnnual