Private Money411 - Featuring B2R Finance

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Money411Money411
The Source for Real Estate Finance from Realty411guide.comThe Source for Real Estate Finance from Realty411guide.com
Photograph from left to right: GREGOR WATSON, Chief Revenue Officer; DARREN THOMPSON, Chief Financial Officer;
PAUL BEHM, Chief Information Officer; JASON HOGG, Chief Executive Officer; MATT MALANGA, Chief Marketing
Officer; KATHARINE BRIGGS, Chief Operating Officer; JOHN BEACHAM, Chief Investment Officer
HereComestheNewGuard
B2RFinanceLeadsLendingInnovation
FALL ISSUE 2015

P R I VAT E
Money411
Join Us for a Finance Expo
in Los Angeles, see pg. 8
4 Celebrate Private Money411 Live
6 Fuquan Bilal on Raising Capital
8 Here Comes the New Guard:
B2R Finance Leads Lending Innovation
11 The New Rules of the Fundraising Game
12 Meet Your Creative Finance Experts
14 Disclosing Risk in Funding
17 Meet the Money Minds
28 Benefits of Private Funding
28 Colony American Finance
Wants to Jumpstart Portfolios
CONTACT US:
805.693.1497 or
info@realty411guide.com
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Important Disclosures for Our Readers:
The information and presentations provided
herein do not constitute an offer or solicita-
tion to buy or sell securities or real estate.
Please be aware that real estate investing
can be risky. Realty411, the publisher of
Private Money411, is not responsible for any
information provided and/or statistical data
presented, and does not reflect the opinions,
advice or research by us. Readers are 100%
responsible for their due diligence, for all
investment information and for all decisions
with respect to any potential investment or
transaction. 411 recommends readers seek
the advice of a trusted attorney, broker, CPA
and/or financial adviser before investing.
PRIVATE MONEY411
Cover: Photograph from Left to Right:
Gregor Watson, Chief Revenue Officer;
Darren Thompson, Chief Financial Officer;
Paul Behm, Chief Information Officer;
Jason Hogg, Chief Executive Officer; Matt
Malanga, Chief Marketing Officer;
Katharine Briggs, Chief Operating Officer;
John Beacham, Chief Investment Officer
Below: Mingle with hundreds of active inves-
tors in Los Angeles on September 19, 2015.
Join us to celebrate our new issue. Private
Money411 will be hosting industry gatherings
with a focus on technology and finance. For
more information, see pages 4 and 5.
Photo left: Rebecca Rice with
Rebecca Rice & Associates, pg. 12
CONTENTS

Celebrate Our Financial
Supplement and Learn
from the Top Leaders of
Finance in CA & NY.
Private Money411 will be hosting
two important events in 2015.
Whether you are based in the West
or East Coast, you will have the
opportunity to network, learn, and
mingle with extraordinary finance
leaders and speakers.
Industry Leaders are Welcomed
as Our Complimentary Guests.
Reserve Your Participation @
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WEST - LOS ANGELES - CA
Real Estate Finance & Technology Expo
Network with the VIPs of Finance
Saturday, Sept. 19th - 9 am
EAST - MANHATTAN - NEW YORK
Real Estate Finance Expo with REIA NYC
Join Us in Manhattan - Visit New York City
Saturday, November 7th - 9 am
Private Money411
Finance Conference
Private Money411
Finance Conference
For information, visit REALTY411guide.com/events • 805.693.1497 • info@realty411guide.com
CaliforniaandNewYork

Realty411Guide.com PAGE 6 • 2015 Private Money411
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eople often
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is the most
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of the note business
when in actuality, once
the fundamentals are
established, finding
money is the easiest
part. Raising capital
whether you know or not is heavily influenced by cred-
ibility, reputation, and strong marketing. If you want to
keep generating cash flow, never stop raising money,
and never stop marketing.
Getting involved and networking are little things
that make a big difference. There are many ways to
raise capital, from investors to partnerships, and to
make note purchases.
When working with investors, strive to go out of
your way because the way you treat them directly
affects your capital. Your reputation will precede you.
If you pay on time, keep your word, and display re-
sponsibility you are showing strong qualities that will
make positive impressions on people and especially
investors. Investors want to invest with the people they
feel they can depend on, trust, and are comfortable
with. Therefore, building strong relationships is critical
and fundamental in the note business. How you market
yourself to other target audiences is also critically im-
portant. Sell more than just interest rates and show that
your company, or even you, is exclusive and different.
Asset building isn’t just accomplished through sin-
gle purchases. One can also build collateral by creating
partnerships and forming an LLC. In forming an LLC
with partners, each person can put x amount of dollars
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RAISING CAPITAL
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THE LEADERS OF FINANCE
With offices nationwide, B2R
Finance is a financial tech-
nology company founded to
address the unique needs and
financial goals of single-family
rental property investors. The
company offers a full suite of
lending solutions designed for
investors at all stages of port-
folio growth. Current products
include fix and flip financing,
bridge to term loans, portfolio
rental loans for refinancing,
the Entrepreneurial Lending
Program and the Institutional
Lending Program.

the New Guard
B2R Finance Leads Lending Innovation
What The B2R Finance Lending
Lab Is Developing Now…
W
hat is the world’s most innovative real
estate financing laboratory cooking up
next?
B2R Finance CEO Jason Hogg has
been shaking things up at one of the most exciting
lenders we’ve seen emerge in the new real estate
landscape. This is the innovative mortgage lender
that brought us new residential buy to rent financ-
ing, the industry’s first multiborrower securitization
and was established by funds managed by Black-
stone Tactical Opportunities. Jason shares what
new loan products and tools are being rolled out,
and how investors can stay ahead of the curve.
THE WAYNE GRETZKY OF
MORTGAGE LENDING
“A good hockey player plays where the puck is. A
great hockey player plays where the puck is going
to be.” – Wayne Gretzky
Gretzky developed a formidable reputation on the
ice, by staying ahead of the game. B2R Finance
appears to not only wield the physique of a legend-
ary hockey player, but is driving the game with its
speed skates on, and hitting the puck into the fu-
ture.
The firm has already been disrupting the me-
chanics of the industry, and paving the way with
entrepreneurial lending products. But most don’t re-
alize how much new technology and creative prob-
lem solving is set to reshape real estate investment.
We got a peek inside the brain of the finance giant,
and the 411 on what’s next in an exclusive interview
with CEO Jason Hogg…
DWELL FINANCE: THE NEW DEAL
FOR INVESTORS
B2R Finance just acquired Dwell Finance. The
big move helps B2R dig deeper with an expanding
local market presence and adds new investment
loan products. Jason Hogg says the Dwell Finance
acquisition is significant on three fronts:
1. New Loan Products for Investors
Jason says it “augments the suite of products for
customers with fix and flip, and bridge to term lend-
ing programs.” This includes a single credit line that
facilitates rehabbing and reselling houses, acquiring
multiple vacant properties for conversion to rentals,
and portfolio refinance loans for buy and hold inves-
tors.
2. Integrating the Industry
Not only does the Dwell move help connect the
industry, but few realize that it adds to an expand-
ing national footprint with physical regional offices
to optimize service for borrowers. This facilitates
“business relationships,” including face-to-face time,
which Hogg says is “paramount” to the organization
and developing new products.
3. New Technology Platform
Dwell provides a simplified front end portal online.
This delivers on what the CEO describes as “fast-
er, low friction lending.” It’s not just about beauty in
web design either. Behind the curtain is a unified
COVER
BY TIM HOUGHTEN

platform which enhances the lender–
investor relationship. It even acts as
a mobile dashboard for investors to
interact and upload documents on the
go, as well as monitoring their portfo-
lio performance from anywhere in the
world. This helps further build the rela-
tionship by tapping big and small data
to provide users better solutions. This
isn’t your creepy Facebook stalking-
style relationship. It is about getting
to know where you want to go, where
your portfolio is in relation to that, the
DNA of your local market, and how to
connect the dots with great financing.
THE BIG IDEA
While some newer real estate in-
vestors were griping about access to
inventory as we turned the corner into
2015, B2R Finance’s Dwell acquisition
and investments in product develop-
ment suggest bullishness on the US
market’s future. We’ve already seen
a significant spike in foreclosure ac-
tivity and distressed properties being
leaked onto the market in early 2015.
Jason Hogg told Realty411 that the
firm sees a “huge growth opportunity,
worth billions of dollars.” In fact, Hogg
says the firm has seen demand for in-
vestment property loans nearly double
as of May 2015.
B2R Finance’s CEO describes the
opportunity as being “ideal for profes-
sionals like doctors, lawyers, dentists,
and professors looking to achieve
higher yields.” He points out the com-
bination of yield and income from
an appreciating asset as a far better
option for these intelligent individual
investors, in addition to professional
investors and investment firms. He
goes on to highlight how the newly
upgraded B2R-Dwell tool chest auto-
mates management to make investing
“radically easier.”
THE LENDING LAB
So where does B2R come up with
these innovative products, and what’s
next?
A peek inside the mortgage lend-
er’s offices reveals that this company
is nothing like the stuffy, dark bankers’
corner offices of the past. This is more
like Airbnb and Uber meets mortgage
lending. In addition to the Dwell Fi-
nance acquisition, Jason has headed
up a three-pronged approach to driving
entrepreneurship in mortgage lending
in-house.
This includes:
1. Active listening
2. The Idea Incubator
3. The Lending Lab
There are few, if any other firms where
you’ll catch executives, including the
CEO, active in the trenches alongside
their frontline team members. Hogg
says he loves listening in to the origi-
nation team in action in the Charlotte
office, as well as sitting next to the due
diligence staff clearing loans for fund-
ing. It is this connection to the daily me-
chanical challenges and client that will
certainly help B2R retain an edge.
The Idea Incubator is where team
members get to pose their own sug-
gestions for improving operations and
delivering better solutions. The Lend-
ing Lab is where Hogg has assem-
bled a team of experts from a variety
of other industries to pioneer new loan
programs for investors. It is here that
dynamic “agile development” happens
and new pilot programs are launched
for live testing with clients.
The CEO says that one of the new
game changing product tools coming
out of this lab is harnessing the power
of predicative analytics, and algorith-
mic approvals. By summer 2015, this
is expected to be revealed in the form
of ‘Instant Pre-Qualification’ using just
seven fields of information.
The result is to be an even more effi-
A peek inside the mortgage lender’s offices reveals that this company
is nothing like the stuffy, dark bankers’ corner offices of the past.
This is more like Airbnb and Uber meets mortgage lending.
Continued on pg. 38
Here Comes the New Guard, pg. 9

T
he real estate busi-
ness is buzzing with
talk about fundrais-
ing and the SEC’s
new Regulation A+. But
what is it really? Is it right
for you? Can you test drive
it before taking an acciden-
tal detour, and how do you
stay out of jail?
If anyone knows the answers to
these important questions it is Gene
Trowbridge, Esq., CCIM.
Trowbridge’s California law firm
Trowbridge, Taylor & Sidoti was
responsible for almost 50% of Reg-
ulation A real estate offerings filed
between 2008 and 2013. In fact,
Gene Trowbridge has been helping
launch real estate syndications for
21 years.
The media and real estate circles
have be swirling with news of the
SEC’s recent ruling on Regulation
A+. Reg. A+ is a part of the JOBS
Act. However, Gene warns inves-
tors and sponsors not to overlook
the ongoing benefits of 506c and
Regulation A fundraising. It’s really
all about finding the right fit for you,
and your investors. Unfortunately,
the recent storm of press
has often made it sound as
if everyone has the green
light to just go out and raise
money from the crowd for
whatever they like from
burritos to mortgage notes
and apartment buildings.
But this California attorney
suggests you get some
counsel, and do some real
planning and budgeting, at
least if you want to “stay
out of jail.”
BEFORE YOU RAISE
A DOLLAR…
It should go without saying, but talk
to an expert. As in the real estate
industry, many legal firms are rapidly
trying to position themselves as ‘pros’
in this arena. If you’ve ever done a
real estate or note deal, or launched
a business, you already know there is
a giant gap to bridge between theory
and effective execution. When re-
searching and interviewing law firms
Gene recommends looking for “flat
fee pricing, and checking references.”
An attorney that is upfront in telling
you even the advice and facts you
don’t want to hear, rather than just
trying to win you as another client can
be a good sign too.
If you sit down for a consultation
on creating a syndication or fundrais-
ing with Gene he says he’ll walk you
through which is the best legal entity
to use (i.e. an LLC), which regulatory
laws are easiest for you to navigate
(Reg. D, A, or A+), and can assist
in strategizing the deal structure on
both the front and back end.
STAYING SAFE WHEN RAISING
FUNDS FROM THE STAGE
Many, many fundraisers have gotten
themselves in trouble when publi-
cizing their offerings and investment
opportunities. More often than not
this can be because they simply
don’t know better, and didn’t seek
comprehensive legal counsel in
advance. Of course, that isn’t an
excuse that is going to fly with any
judge. Nor is the fact that “everyone
else is doing it.”
Trowbridge reminds us that
“breaking securities laws is a
serious criminal offense.” Many
just don’t realize that when they
The NEW RULES of
the Fundraising Game
An exclusive interview with
Gene Trowbridge Esq., CCIM
on the New Real Estate
Crowdfunding Landscape
CAPITAL
Continued on pg. 38
By Tim Houghten

By Sandy Fox
O
ur 5th Annual Los Angeles Real Estate In-
vestors’ Expo will feature some remarkable
experts. On that day, we will spotlight Rebec-
ca Rice and Jim Beam, industry leaders in a
little-known financial area.
They’ve perfected a way to turn a unique and specific
kind of life insurance policy into a reservoir of money you
can use to simplify your real estate investing. More than
that, the strategy actually compounds and increases the
ROI on your investments.
A Financial Vehicle That
Compounds Your Investments
When you hear from Rice and Beam you’ll find a finan-
cial vehicle beyond what most investors use. Typically
investors turn to cash, mortgages, private lending or a
combination of the above. Each has its own costs and
limitations.
Beam, who started as a real estate investor in Florida
said, “We worked awfully hard to make our money. And it
seemed like someone was always standing there at the
end of the day with their hand out to take our money. Clos-
ing costs, fees, taxes, interest rates.” He felt there had to
be a better way.
His search led him to Rice and her specially constructed
policies. He learned a way that he could:
• Keep his money safe and private
• Borrow money at low cost or net-zero cost
• Avoid credit checks and bank approval for loans
• Gain tax-free retirement income
• Loan his business money and save on taxes
• Pay off debt faster
• Create an emergency fund that earned interest
four times higher than most banks pay
He now helps other real estate investors learn how to
take advantage of this system. This type of insurance poli-
Meet Your Creative
Financing Experts:
Learn more with Rebecca Rice’s book, “Multi-
ply Your Wealth: Essential Secrets for Financial
Freedom.” Contact her directly at (501) 868-3434
or www.rebeccarice.net - You can connect with
Jim Beam at (239) 591-3781 or email:
jbeam@lifewayadvisors.com
Rebecca Rice & Jim Beam
Continued on pg. 22

LOS ANGELES - CA$HFLOW Expo West Coast
Network with investors from around the nation!
September 19th - 9 am, Complimentary Book
REALTY411 EVENTSREALTY411 EVENTS
LAS VEGAS, NV - 2nd Viva Las Vegas Expo
Event hosted with Real Estate Insider’s Club
October 24th - 9 am, Play & Learn in Vegas
SEATTLE, WA - Network in the Northwest
With Real Estate Association of Puget Sound
August 15th - 9 am in Bellevue, Washington
NAPA VALLEY, CA - CRUSH It Expo 2015
Hosted by BAWB, Bay Area Wealth Builders
October 3rd - 8 am, It’s Harvest Time
NEW YORK CITY, NY - CA$HFLOW Expo East
Hosted with REIA NYC - Meet Us in Manhattan
November 7th - 9 am, Focus on Finance
DALLAS, TX - Giving Thanks / Giving Back
Lone Star State Expo with Dennis Henson, AREA
November 21st - 9 am to 5 pm, Charity Expo!
Our expos recently received exposure here:

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Attracting Private Money
DISCLOSING RISK
Attracting Private Money
DISCLOSING RISK
risk-factor disclosures in their presentations because they are
afraid that they will scare away their prospective private lend-
ers. They worry that if their potential lender understood the
risks, then that person would decide not to invest with them.
However, just sitting back and hoping that everything
goes perfectly is not a strong strategy for success. The truth is
that many real estate entrepreneurs have ended up in lawsuits
because they failed to provide even the most basic disclosure
of potential risks.
You should strongly consider engaging a real estate
attorney to advise you if you plan to raise capital from private
individuals. I am not an attorney, and this does not constitute
legal advice. That being said, I have attended numerous real
estate conferences and seminars on the topic of private capital,
and I have seen many examples of risk disclosures ranging
from simple ones to explanations that were long and compli-
cated. As an example, for my mortgage pool fund, I provide
prospective investors with a memorandum that includes over
twenty pages of risk-factor disclosures.
The fact is that there are basic risks that you should be dis-
closing to your investors. Those disclosures should be includ-
ed in any write-up you create for the purpose of raising capital
from private individuals.
You don’t disclose these risks to your potential investor to
scare them away. You disclose them so that the investor can
make an informed decision. Risk factors you might discuss
An excerpt from “The Insider’s Guide to Attracting Private
Money: Five Secrets to Fast, Unlimited Capital So You Can
Save Money, Buy More Real Estate, & Build Wealth,” by
Mark Hanf, President of Pacific Private Money.
W
hen you seek to attract capital from private
investors, you need to disclose the risk in-
volved in your proposed project. The reasons
you need to do so are several, but one of
them is that you are asking people to lend you a portion of
their life savings, and they are entitled to know what hap-
pens to that money in the event that you exit the picture.
The fifth question we answer in The Five Steps to Mon-
ey Method™, “What happens if you disappear?” is asking
much more than just “What happens if you get hit by a
bus?” Disclosing risk is a very important yet often over-
looked or ignored piece of the private lending equation.
That is, risk disclosure is often overlooked or ignored
by borrowers. Your prospective private lender, on the other
hand, is absolutely thinking about the risks of investing
with you whether you bring them up or not. And what that
prospective lender wants to hear from you is, “What are the
risks, and what are your plans if things go wrong?”
You can answer this question by showing your lender
how you are structuring your company and what measures
you are taking to protect that individual’s investment. For
example, who on your team is positioned to take over in the
event that something happens to you? If you can address
this question and others like it, you will show your potential
lender that you have thought this through, and that you take
the protection of his or her capital investment very seriously.
The level of detail that you go into when disclosing
risk is up to you (with sound advice from your real estate
attorney). But the most basic risk disclosure essentially boils
down to this message:
YOUR INVESTOR COULD LOSE SOME OR
ALL OF HIS OR HER MONEY.
That is why disclosing risk is such an important factor
when you create your investment opportunity presentation.
Addressing and disclosing risks in your presentation will
make you look professional and thorough, just as the other
important components that we have discussed so far in this
book have done.
Many real estate investors don’t want to include
Continued on pg. 26

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Two of the Best Tactical
Minds in Investment Property
Financing Team Up
The new Bighaus-Chapman
mortgage alliance offers a
new capital partner for real
estate investors navigating
financial purgatory.
The new merger brings together
two of the best tactical and stra-
tegic minds in the mortgage busi-
ness, with the backing of one of
the largest and fastest-growing
mortgage lenders in the U.S. And
intelligent investors are finding an
interesting match in leveraging the
business partnership that packs a
ton of value.
YOUR GUIDES THROUGH
FINANCIAL PURGATORY
Steve Bighaus, Security National
Mortgage Company Branch Man-
ager, says that the new underwrit-
ing inquisition is here to stay. And
it could get worse!
Whether it is new appraisal sys-
tems that have been created to
generate additional revenues for
other providers, or demanding a
written, verified, and quality con-
trolled ‘confession’ of your life’s
deeds, there is a new status quo in
underwriting. While in some ways
it has become easier to qualify for
a loan on the surface, getting from
loan application to closing may
take an army of 300 Spartans guid-
ing you home with sharp spears and
oversized shields. So while CoreLogic
reports there are still some almost 15
million underwater and ‘under-equi-
tied’ homes in America, in addition to
a fresh batch of foreclosures in 2015,
real estate investors still need a
fearless and wise guide to un-
lock the potential out there, and
optimize financial leverage.
Continued on pg. 19
STEVE BIGHAUS (IN WHITE)
AND AARON CHAPMAN
(IN BLACK) EXPLAIN THEIR
VIEWS ON FINANCE.
By Tim Houghten

Steve Bighaus has over 24 years experience in the mortgage industry. He maintains a
focus on servicing the real-estate investor by offering aggressive financing options and
resources for buyers interested in purchasing or refinancing their investment property.
By concentrating on investment properties and the financing that comes with them,
Steve is recognized nationally as an industry expert. The knowledge that he has enables
him to find financing for people even when they have had difficulty elsewhere.
This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation,
sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting
guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and
market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in
payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant. Security
National Mortgage Co. is an Equal Opportunity Lender.
NMLS#: 112825
Contact Steve Bighaus
Senior Loan Officer
206.930.1801
steve.bighaus@snmc.com
Attention Investors:
Pre-Qualify Today!
It’s about time we show you
A REAL HERO
Close your loan in as little as 30 days!
NMLS# 3116

THIS IS WHERE STEVE BIGHAUS AND
AARON CHAPMAN COME IN...
Merging two SNMC branches together these mort-
gage masters offer a stark contrast, that stand out
on the investment property financing landscape.
They are instantly recognizable, have a very unique
style, and yet perhaps most notable is the fact that
they have been in the mortgage business for longer
than anyone else you’ll probably ever meet. They
have both been in the financial industry since well
before 2000, which gives them a veritably unrivalled
edge in experience in an industry where it is hard to
meet anyone that started before 2008. But it is often
their mental agility, and refreshing commitment as
long-term business partners to their investor clients
that make them highly-prized assets.
THE MINDS BEHIND THE MONEY
To not just survive this long in the mortgage indus-
try, but thrive and grow, and have investor clients
coming back for dozens of transactions as they grow
their income property portfolios, requires a mind
that plays on a whole other level than the thousands
that have fallen into the abyss.
In fact; there is no question that more real estate
investors would have survived and thrived in the last
couple of decades if they had paid more attention
to how those they chose to do business with kept
themselves sharp. Steve Bighaus, who runs opera-
tions in Washington state, says he is religious about
hitting the gym, as well expanding his love of mu-
sic from the drums to learning the vibraphone, and
experimenting with jazz improvisation. Aaron Chap-
man who heads up the Mesa, Ariz., office survived a
crushing motorcycle accident in 2008, yet continues
to volunteer with the local Sherriff’s Office Volunteer
rescue unit. His specialties include technical-high
angle, off-road rescue & extrication, as well as be-
ing a member of their elite six-man helicopter rappel
team.
These are battle-hardened warrior financiers and
tacticians that know how to help investors strategize
to stay ahead of the game, assess and successfully
navigate calculated risks, and win the long race.
THE VALUE OF THESE CAPITAL PARTNERS
The Bighaus-Chapman mortgage team offers intel-
ligent property investors a specialized team to aid in
optimizing and growing their portfolios, to hit their
individual goals, no matter whether that is having un-
limited money to make it rain, or fulfilling philanthropic
aspirations.
Aaron explains: “The business is evolving to need spe-
cialists. If one hits their head and has complications as
a result, they don’t have the family general practitioner
perform brain surgery in his office. Their situation re-
quires a specialist. Not just any specialist, but they want
the best. Investment lending is no different. Why go
to a general lender who offers any kind of program
available when there are specialists in what they need?”
Steve Bighaus describes the mortgage company coa-
lition as a holistic service that aids investors in getting
from where they are, to where they want to go, and
incorporating all of their real estate financing from
residences to second homes, to rental properties, and
even commercial properties.
Specifically this financial duo act almost as business
partners or your CFO, only without having to take on
the burden of a giant salary or having to give up a share
of your investment portfolio. They provide assistance
in financial tactics, the heavy lifting and manpower to
get it done, and the capital. Investors just pay the inter-
est and borrowing costs.
Discover more about this dynamic team and the in-
vestment property loans offered, visit online at http://
BighausChapman.com.
Two of the Best Tactical Minds, pg. 17

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cy is not new. It’s has been around for centuries and
is tried and tested. Currently banks, businesses, and
high net worth individuals use it to preserve and grow
their money. But Rice and Beam offer a unique struc-
ture that makes it a powerful tool for even the small
real estate investor.
SHE BROKE THE GLASS CEILING
Rice discovered Nelson Nash’s book, “Becoming
Your Own Banker,” over 25 years ago. She recognized
the revolutionary technique and became a protégé of
Nash, building on his philosophy with concrete action
plans.
It became her passion to help as many people as
possible. “I help people see how money really works in
the economy. It’s often not the way you think it does,”
Rice says. “I love to show my clients how to reduce
their debt in an extremely short period of time — faster
than they ever thought possible.”
Through the years she’s structured Living Bene-
fit policies for people from 21 to 93 years old. “Each
is unique,” Rice says. “I’ve helped people profit who
could only start with $100 a month. And I’ve worked
with people who wanted to contribute a million dollars
a year. Whatever your income or investment goals,
you can use this to take control of your money and
grow it faster and safer.”
Rice’s passion and dedication to her clients made
her extremely successful. She became the first woman
to be the top-performing agent at Mutual Trust. Then
she went on to break the glass ceiling at Massachu-
setts Mutual as the first woman in its 170-year history
to become the top life producer. She is also one of
only three policy agents endorsed by the Palm Beach
Letter, a financial newsletter.
Because she has written thousands of policies—
and uses many of them herself — she knows every
nuance of how to structure it to benefit you.
YOU NEED AN EXPERT
On the owner’s side, a policy looks deceptive-
ly simple and is easy to use. But the creative side
takes an act of genius to give you all the benefits and
advantages necessary to use it effectively in your
business and investing.
Rice always learns what her client’s goals are.
Then she tailors a Living Benefits policy specifically
to meet those goals. Some want a pool of money to
run their business. Others need free access to money
for real estate investing or hard money lending. And
some have their top goal to safeguard their wealth
and transfer it to the next generation.
“It’s possible to accomplish all those goals with-
out invading lifestyle money,” Rice says. Lifestyle
money is what you live on after paying your bills and
Uncle Sam. Rice’s brilliance is that she frees up mon-
ey for you to invest from other sources. Often it’s from
the debt payments you are already making.
PUTTING YOUR
POLICY TO WORK
FOR YOU
“The simplest way to use your Living Benefits pol-
icy is with hard money lending,” Beam says. “There
are hundreds and hundreds of folks out there who are
in need of hard money lending.” Beam works through
organizations that send out leads for people who
want to borrow the amount of money you have to in-
vest — whether that’s $10,000 or $150,000 or more.
And the Living Benefits policy creates a vehicle
to amplify the investment. “You borrow against your
policy at 5% and you put it out on the street to go to
work at 10% or 12% plus points,” Beam says. “But
you’re still earning 5% on those same dollars within in
your policy! Wow, what a platform to work from!”
Beam’s strength is that he can guide real estate
investors in the best ways to take advantage of this
platform for their specific goals.
There are a number of ways to take advantage
of the policy. One of their clients buys HUD houses to
rehab and rent.
Although her Living Benefits policy is only a few
years old, she’s been able to use money from her
policy to cut costs and increase returns.
• Used for a down payment for a conventional loan
Continued on pg. 36
Meet Your Creative Financing Experts, pg. 12

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So, be a big boy or girl and grow your business model up. See you in Florida!

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Attracting Private Money, Disclosing Risk, pg. 15
PAGE 26 • 2015 Private Money411
could include things such as:
• changes in the real estate market
• cash flow problems
• conflicts of interest
• an unproven real estate investing
company (if you’ve never done a deal
before)
CHANGES IN THE REAL
ESTATE MARKET
Your opportunity presentation is
based on a set of assumptions. Those
assumptions include things like mar-
ket demand, potential market appreci-
ation, and an estimate of the increase
in value as a result of your planned
improvements.
However, the real estate market is
subject to cycles that can affect the
marketability, pricing, and days-on-
market estimate of your project. Real
estate can and does decline in value as
a result of certain market forces. Ris-
ing interest rates, job growth, jobless-
ness, new inventory, and other factors
can contribute to a drop in demand
and prices for real estate in a given
market. Your prediction of how well
your proposed project will do should
be based on a careful review of local
market conditions, but you cannot
guarantee that the results you predict
will be realized.
CASH FLOW PROBLEMS
You have proposed a budget and a
spreadsheet to your lender that shows
your sources and uses of funds. But
what if you come across significant
and unexpected cost increases? Do
you have the ability to cover them?
Typically, your money partner will not
be under any obligation to fund addi-
tional costs beyond the agreed-upon
budget unless you bring this up in
your written agreement beforehand. If
the project stops as a result of running
out of cash, you could be faced with
mounting costs and declining profits
as time goes on.
CONFLICTS OF INTEREST
Are you planning to dedicate 100 per-
cent of your time to this one project
with your prospective money partner?
Or do you have other projects or work
obligations that might be construed as
“conflicts of interest”? You can make
a statement in your presentation that
gives your lender notice that, while
you are dedicated to the success of
this endeavor, you are nonetheless
free to pursue other business ventures
or obligations, as well.
UNPROVEN REAL ESTATE
INVESTING COMPANY
If you are new to real estate investing
or if you have formed a new compa-
ny to pursue real estate investments,
you may not have a track record of
success. In that case, your business
model is unproven.
Changes in the market, cash flow
problems, conflicts of interest, and an
unproven real estate company are just
a few examples of the risks that you
may want to disclose to your lender.
There are many others that you can
identify and include in your propos-
al to give your investor a complete
picture of what the project will entail.
A qualified real estate attorney is an
integral component to your team and
should be consulted to assist you in
drafting an appropriate disclosure
statement.
I have been telling you to always
put the best interests of your private
lender first, but the fact of the matter
is that a primary purpose of your dis-
closure statement is to protect you in
case your lender chooses to sue you.
If you can demonstrate that you dis-
closed material risks to your private
lender before that individual invested
with you, should things not work out
as planned, you will be much better
protected in a court of law.
Excerpted from the book “The In-
sider’s Guide to Attracting Private
Money” by Mark Hanf, available at
www.AttractingPrivateMoneyBook.
com. Mark is president of Pacific Pri-
vate Money Inc., a California-based
hard money lender who has raised
over $200 million in private capital
since 2009.

Realty411
EXCLUSIVE
MEDIA
SPONSOR

G
etting started as a new
Real Estate Investor or
to bring your existing
business to the next
level of success will
generally require investment capital.
More and more investors are taking
advantage of using private lenders
to achieve their business goals. The
advantages of using a Private Lender
over conventional lenders or Hard
Money lenders can be summarized as
follows:
• You may be able to agree to terms
more suitable to you
• You may be able to finance 100%
of the project plus expenses (many tra-
ditional banks and lenders will require
you to have some “skin in the game”)
• Less underwriting scrutiny of you
and the particular project
• Quicker response
• Avoid the oversight that many
lenders are now putting in place
during the life cycle of the project
• Private lenders may not require
you to have any documented experi-
ence
Finding Your
Private Lenders
Once you have
decided that using
a private lender
is the right and
perhaps the only
possible direction
for you to take, it
is now time to ex-
plore your oppor-
tunities of locating
people who may
be interested in
funding your projects. Generally, a great
place to start looking is among your
personal and business circle of
influence. This may include the
following:
• Family
• Friends
• Co-workers
• Acquaintances
• Local real estate groups
I do get some push-back
from people when I suggest
that they approach family and
friends for investment capi-
tal because some feel uneasy
asking them for money and the
possible implications if things
don’t work out exactly to plan. Just keep
this in mind, you are asking them to
participate in a business opportunity, not
a hand out. Furthermore, many of these
people are already taking some form of
investment risk; so why not in you?
Keep it Legal and Get it
Down on Paper
Just because using a private lender
may be a simpler and less formal pro-
cess than what you would
typically experience with
either a Hard Money
lender or conventional
lender, this does not
mean you will forgo all
of the required docu-
ments and due diligence
that will protect both you
and your private lenders.
Make sure to discuss the
terms and conditions of
the private loan with your
attorney and have them
prepare all of the necessary documents.
It is always advisable to encourage your
lender to also have their attorney review
the documents.
Positioning Yourself as a
Solid Borrower
Even if you personally know the
people who will be providing the capital
to fund your project, this does not take
you off the hook from properly prepar-
ing yourself as a reputable borrower.
There are some characteristics that your
lenders will be expecting from you and
include the following:
Knowledge of the Business
Even as a new investor, it will be
critical for you to have the basic skill set
in order to effectively analyze opportu-
nities that may come your way. In the
excitement of the hunt for your project,
you will need to know when it is time to
move forward or pass on an opportuni-
ty.
In fact, as part of your discussions
with your lender, you should illus-
trate why the project is a solid deal by
sharing the assumptions and results you
The Benefits of Using
a Private Lender
By Carl Schiovone

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pletely achieved, you should elaborate
on the root cause. Evaluating lessons
learned can be a great way to mitigating
future errors on the next project.
Have an Exit
Strategy
As part of your overall project or
business plan, you may need to consid-
er your exit strategy from the private
lender in advance of moving forward
with them. There are generally a
few options to consider when
exiting private money that
include:
• Selling the property
upon completion of a ren-
ovation, the lender will
be paid from the proceeds
(this is common with a
Rehab and Flip project)
• Refinance the property
with a cash out conventional
mortgage (this is very common on
a Hold to Rent property)
• Repaying the loan from the sale of
other assets or investment sources
In conclusion, building a solid base
of reliable private lenders will help set
the stage for you to respond very quick-
ly to the opportunities presented, This
can clearly be the path for you to scale
the business as large as you want! Once
the people in your network actually see
that you have the bandwidth to move
forward they will bring you even more
opportunities.
Carl Schiovone is a Performance Coach
with over 33 years of experience and is
President of Carl Schiovone & Associ-
ates Real Estate Coaching Inc. In addi-
tion Carl is the President of East Coast
Real Estate Investors Association. For
information, visit http://EastCoastREIA.
net or http://CarlSchiovone.com
have made. In addition, you should
pro-actively identify the barriers and
risks you may face and how you plan
on mitigating them.
Remember, by identifying this
upfront you will go a long way. Keep
in mind that most lenders (or their at-
torney) will inquire about risks anyway,
and it looks much better coming from
you without being asked. As part of
your Business Plan, you should
have identified all skill set
shortfalls you may have
and include a specific
action plan on over-
coming the deficien-
cy. If you are a new
investor with no or
limited experience,
it is advisable to have
someone who can
shadow your decisions
and path and guide you
along the way.
As a Performance Coach, all
too often I see new investors jumping
into their first project without the proper
skill foundation and many experience
some challenges that could have been
prevented.
Transparency
If there is one thing that can ruin any
business relationship is holding back in-
formation that is critical to your lender.
With real estate investing, things may
not always go to plan.
However, what is important here is
how and when you communicate when
there are challenges. Always share
information that affects your lenders
as soon as possible and during that
discussion, communicate possible ways
to get back on track and avoid a future
re-occurrence.
Credibility
In order for your business to grow and
continue to have your lenders coming
back for more opportunities, it will be
critical to leverage off of the success of
prior projects. Once they see what you
can do and have performed as planned,
you will find that the people around you
will be literally throwing more money
your way. In addition, they will be ask
ing if they can bring their family and
friends along as well. Talk about free
marketing, it doesn’t get any better than
that!
I can’t tell you how many times
I have seen this play out with my
Students. Properly documenting your
past performance in your Credibility
Report will go a long way in securing
new lenders. As a great way to demon-
strate your performance is to invite
your lenders and potential new lenders
to your projects both before you get
started with the project and after it is
completed.
During this time you can share with
them both the initial expectations and
how the final results compared. Just
think how powerful this can be. During
this exchange, if the specific perfor-
mance you were planning was not com-
I can’t tell you how many times I have seen this play out with
my students. Properly documenting your past performance in your
Credibility Report will go a long way in securing new lenders.
“
“

Colony American Finance Wants
to Jumpstart Your SFR Portfolio
Do you think that you might have missed the boat to
invest in single-family rental homes? The answer is
a resounding NO!
We all remember 2005-2007 when it seemed that
investors couldn’t make a mistake in the residential fix
and flip market.  Investors with little experience were
able to outbid the competition, slap some minor paint
and carpet improvements and then sell their properties
for incredible returns. But then the bubble burst and
many investors were left with homes that couldn’t be
sold or in some cases, even given away. They had two
choices: Give up the properties through foreclosure or
become a landlord.
RENTAL DEMAND
OUTPACES EXPECTATIONS
Statistics show that nearly 35% of Americans now
rent instead of own. Drill further into the statistics and
you’ll find that 35% of renters choose single-family
homes and 19% choose duplexes, triplexes or fourplex-
es. With these two categories encompassing 54% of
all rental choices, it makes perfect sense that investors
are looking to 1-4 unit properties instead of owning
larger multi-family apartment-style buildings; 1-4 unit
properties have a lower price point, the ownership risk
is spread out among multiple structures and the overall
expense ratio is lower. Renters in single family housing
tend to pay their own utilities, maintain the landscaping
themselves and have access to municipal water/sew-
er/garbage at a much lower rate than through private
service.
Rental demand is projected to change significantly
over the next ten years, primarily driven by the changing
nature of the household. Baby boomers are moving in
with their children or into senior housing and millennials
are favoring renting over owning because of its flexibil-
ity and lower commitment level. Being well versed in
the changing market is the key to having a profitable
portfolio.
Also noteworthy is that there are an estimated 14
million rental homes owned by non-institutional inves-
tors in the United States – most of which are owned free
and clear. Quick math: Using 14 million rental homes
at an average value of $100,000 each, that’s potential-
ly $1.4 trillion in new loans that can be originated and
re-invested into the market.
Colony American Finance has multiple financing op-
FINANCE
tions available so you can access your portfolio’s equity
and quickly put it to work to buy additional properties,
invest in your children’s education, or simply replenish
your cash position.
KNOWLEDGE IS POWER
The savviest investor will do three things: research,
research and more research. Mortgage brokers and
real estate brokers have invaluable information such
as market trends and vacancy rates as well as access
to properties that might not be listed for sale. But it’s
significantly more critical for investors to have access to
capital: Both liquid cash and innovative financing.
No longer is the SFR rental market monopolized by
private money loans with steep interest rates and fees
or the more traditional Fannie/Freddie product that caps
out at 5-10 properties. Colony American Finance pro-
vides non-recourse term loans for stabilized portfolios
and fix and flip lines of credit for acquisition funding.
FIX/FLIP LINES OF CREDIT
If you want to grow your portfolio or perhaps don’t yet
own a rental portfolio, a line of credit is definitely the
right choice. Colony American Finance offers two differ-
ent line of credit options depending on investor experi-
ence and short-term/long-term goals.
Our Entrepreneurial Line of Credit is a non-revolving,
declining line designed for the investor who does less
Continued on pg. 34
By Jennifer Goralski, Senior Vice President Originations

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are dealing in mortgage notes, and pools of properties
in different jurisdictions, that they can unknowingly be
trading ‘securities’. If you think it’s a joke go ask Bernie
Madoff who is serving a 150 year prison sentence. And
the truth is that this life sentence is nothing compared to
the other consequences he is dealing with.
If you are working under a Reg. A filing you need a
permit. Under a Reg. D Rule 506c filing you need to
stick to raising money from accredited investors. And
even under Reg. A+ you need to get approval before
taking in money from investors. And Gene says that
you’d be surprised at how many SEC investigators are
patrolling investor groups, workshops, the internet, and
magazines to look for those violating advertising and
fundraising laws.
HERE’S THE HACK…
While it is important to stay on the right side of the
law, invest in legal counsel, allow sufficient budgeting for
marketing and promoting, and to be very careful about
staying within the guidelines, there is no question that
Regulation A+ does appear to be a huge win for inves-
tors, fund operators, and the public. In fact; Trowbridge
sees the broker-dealer community embracing Reg. A+
in a big way due to the ability to raise up to $50M a
year in ‘mini-IPOs’, and favorable auditing rules. The
impact is likely to include more cash in the economy,
more competitive offerings for investors, and attractive
returns.
For those that are concerned about the paperwork,
than 20 fix/flip projects per year and only within the 1-4
unit residential arena. Line amounts start at $500,000
and go upwards of $5,000,000. Borrowers have 12
months to utilize the proceeds and 12 months to pay
back each draw. This loan has no prepayment penal-
ties.
For the more active investor, our Institutional Line
of Credit offers additional flexibility as it allows for both
residential 1-4 unit properties and commercial prop-
erties up to 20 units. The Institutional Line of Credit
is also a revolving line, meaning you can access the
funds multiple times. Line amounts start at $3,000,000
and can go as high as $50,000,000. Borrowers have
12 months to access the proceeds and typically 9
months to repay each draw. This is a non-recourse
loan and has no prepayment penalties.
Also important to note is that you can utilize either
the Entrepreneurial or Institutional Line of Credit to
build your own personal rental portfolio. Once you
have completed the renovations on your fix/flip proper-
ties, you can look to refinance your holdings into one of
Colony American Finance’s term loans.
NON-RECOURSE TERM LOAN OPTIONS
If your SFR rental portfolio has five or more prop-
erties, Colony American Finance is your option for
attractive financing options. Our loans are underwritten
like a commercial loan, which means no more debt-to-
income ratios hurting you when qualifying. Rather, your
portfolio is underwritten on the assets and the cash
flow generated from those assets. Plus, because we
lend across the U.S., a single term loan can be made
on portfolios with holdings in multiple states.
Our rates are competitive with traditional FNMA
loans, are amortized over 30 years and can be fixed for
five or ten years. Our loan amounts start at $500,000
and can go up to $100 million – and almost all term
loans are available on a non-recourse basis. Important
too, is that borrowers can have multiple tranches of
loans to facilitate estate planning or property manage-
ment issues.
REGIONAL STRATEGIES
Auction.com recently released data that showed
investors are favoring buy-and-hold strategies over fix/
flip on a nationwide basis, but that investor intent varies
between online/offline investors, regions, and property
prices. Midwesterners and Southerners are more likely
to buy and hold whereas those in the Northeast are
more likely to fix/flip. Investors in the western states
are evenly split between fix/flip and buy/hold strategies.
Jumpstart Your SFR Portfolio, pg. 31 The NEW RULES of the Fundraising Game, pg. 11
Continued on pg. 36
GENE’S QUICK TIPS
FOR INVESTORS
TO STAY SAFE
These presentations
can be extremely
attractive for end inves-
tors. So far the majority
of crowdfunding projects
that have been funded
seem to be working
out. But not all will. So how can you stay safe when
investing in these opportunities?
• Be thorough in due diligence upfront.
• Understand what pools of properties or notes include.
• Look at the track record of promoters.
• Check them out online, and watch out for SEC
‘Cease and Desist’ orders.
• Pick up the phone and talk to sponsors if you
get nervous.
Continued on pg. 38

NETWORK, LEARN, GROW
Thank you for your interest in the
Lone Star Real Estate Investors’
Expo. Since 2006, the Realty411
publishers have owned multifamily
rentals in Texas, their mission with
this Complimentary Real Estate
Investors’ Expo is to provide those
who are interested in learning about
real estate the opportunity to increase their knowledge
and contacts in person. Our VIP tickets featuring reserved
seating are available for only $49. Plus, in the spirit of
Thanksgiving, net ticket proceeds will be donated to the
local Salvation Army. Top industry speakers joining us
from throughout the country include: Dennis Henson, John
Jackson, Dolf de Roos Brad Sumrok, Arnie Abramson,
Tom Wilson, Tim Herriage, Merrill Chandler, Randy
Hughes, Anthony Patrick, Reggie Brooks, Pat James,
Geoge Antone, plus many more soon to be announced.
LONE STAR
Real Estate Expo
Arlington - Nov. 21
Give Thanks, Give Back
Successful Investors from Around the
Country Unite for ONE DAY in Texas!
The Lone Star Real Estate Expo Raises Awareness and Donations for the Salvation Army.
To Register or Learn More Visit http://Realty411guide.com/events
I
don’t recommend being a
real estate investor…un-
less you have a well-de-
fined strategy, quantitative
goals and are dedicated to go by
the numbers and not by unsup-
ported advice or emotions.
My engineering training and
30 years of experience manag-
ing high tech profit centers in
Silicon Valley taught me how to analyze for
the best return on investment in any mar-
ket.
Today, the principles of analysis remain
the same. Anyone can do it, however, one
needs to be very disciplined and educated
about the submarkets and products, or ride
the coattails of someone who is.
The primary parameters for selecting the
best investment markets are:
•Rent to purchase price ratio
•Population growth and inward migration
•Employment growth and business climate
•Housing affordability
•Location
•Cost of living
•Rental market
•Current and projected market conditions
Now that speculative investing for fast
profit has gone the way of the last super-
model, the wise investor is focused on cash
Are there markets that
have weathered the down-
turn well, are superior in
many of the parameters
above, and have had rela-
tively calmer waters dur-
ing these past few tumulus
years?
Indeed, my experience
in more than 1800 unit
transactions over 35 years
has revealed that Dallas / Fort Worth is one
of the best real estate investment markets
in the United States; that is why I chose
it for most of my personal portfolio long
term holdings.
The strengths of Dallas / Ft. Worth are:
•Business and financial capital of the
South.
•The highest rent per invested dollar for a
major economic center in the United States,
and therefore, the highest cash flow
•One of the lowest risk and safest harbors
in the United States for real estate
•Lowest decline housing price from peak;
the only US single digit depreciation met-
ro
•Fourth largest and one of the fastest grow-
ing MSAs (Metropolitan Statistical Area)
in the United States. Projected to double
population to 12 million by 2030
•Broad-based economy that has had double
Why Dallas / Ft. Worth
of the Best Metros in t
by Tom Wilson
Tom Wilson
Hosted & Produced by AREA,
Arlington Real Estate AssociationFREE TICKETS: 805.693.1497
Your Host:
Dennis HensonDolf de Roos
John Jackson
Tom
Wilson
Tim Herriage
Brad Sumrok
Arnie Abramson

Tim Rood to Deliver
Keynote at Private
Lending Conference
T
he American Association of Private Lenders
(AAPL) announced that Tim Rood will de-
liver the keynote address at the 2015 Amer-
ican Association of Private Lenders Annual
Conference. The Conference will
be held November 8-10, in Las
Vegas, Nevada and features over
25 presentations, panels and work-
shops addressing a broad spectrum
of personal real estate finance
topics.
Rood is Chairman of The Collingwood Group, which
he co-founded in 2009. Rood was co-founder and
managing director of the firm’s predecessor compa-
ny, Capital Financial Solutions. Earlier he was Vice
President of First American, where he successfully led
the company’s professional services group tasked with
creating business solutions for the top ten lenders in the
country. Rood served as Director and Principal of Fan-
nie Mae’s eBusiness Division. He has more than two
decades of mortgage industry experience which has
made him a highly sought after speaker and contributor
to a variety of national
media outlets, including;
CNBC, Bloomberg Tele-
vision, FOX Business
News, Washington Post,
New York Times, Wall
Street Journal, and the
American Banker.
AAPL’s Annual Conference is expected to attract a
large contingent of real estate professionals including;
private lenders, residential and commercial investors,
investment firms, note buyer and brokers, CPAs, IRA
Servicing Companies, as well as other service advisors.
Registration for the Conference is open. Visit online at:
http://aaplonline.com to register today.
Meet Your Creative Financing Experts, pg. 22
and saved the cost of mortgage insurance
• Used for repair costs on the house and avoided the
expense and effort of a construction loan
• Kept an “emergency fund” that earns 5% or so on
that money instead of a bank’s pitiful near zero rate
• Used a regional bank for a 5 year balloon loan with
much lower loan origination costs and interest rates.
She can do that because this system pays off the
bank loan in just a few years—well before the balloon
kicks in and interest rates rise
The client says, “The best part is that I end up with
a house AND all the money that would have gone to
mortgage payments!”
Can This Work For You?
You can learn more about investing in real es-
tate using a Living Benefits policy when you attend
national Realty411 events where Rice and Beam will
be featured speakers. Plus, look for future issues
with articles explaining in more depth how to increase
your real estate returns using a Living Benefit policy.
Whatever your investment style, we have the capital
for either strategy. It’s an exciting time to be an inves-
tor; trends indicate that the rental market will continue to
improve over the next decade. Colony American Fi-
nance is ready to provide meaningful and cost effective
financing options for your portfolio.
Colony American Finance (www.colonyamericanfinance.
com) is the leading provider of low cost, non-recourse
revolving bridge & permanent mortgage financing for
owners of single family rental portfolios. Our affiliate,
Colony American Homes, owns more than 22,000
homes across the United States, so we approach lend-
ing from the perspective of the landlord-investor. Both
companies are owned and controlled by Colony Cap-
ital LLC, a real estate investment firm with $54 billion
invested, including a publicly-traded mortgage REIT.
When you work with Colony American Finance, you are
talking to a professional, experienced lender who offers
competitive rates, knows how to underwrite and get your
deals funded.
Please call 1844.CAF-CAF1 and visit us at
http://www.colonyamericanfinance.com to refinance
your rental portfolio or leverage your buying power with
a credit line. We have the capital for either strategy.
Jumpstart Your SFR Portfolio, pg. 34

Join Us for Our CashFlow Expo
Network Your Way to Success!
REAL ESTATE - FINANCE - TAXES - INSURANCE -BUSINESS - CREDIT
RSVP: Realty411guide.com/EVENTS
or Reserve Your Tickets: 310.499.9545
400 Registered!
FREE EXPO for
Investors, Agents
& RE Professionals
OUR GOLD
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Here Comes the New Guard: B2R Finance Leads Lending Innovation, pg. 10
cient lending platform which provides
low rates and speed in funding, re-
quiring the least amount of data, while
retaining sound credit decisions. Be-
yond the sunnier math of using single
credit lines to flip or rehab and man-
age multiple properties, this creates
a more turnkey financing solution so
that investors can redirect their time
to growing their portfolios versus man-
aging them.
SCALING YOUR PORTFOLIO
WITH LESS FRICTION
Both passive investors and real estate
entrepreneurs will find loan solutions
like these provide the framework need-
ed to scale their portfolios while the
market is ripest. Looking forward, it is
finance relationships and the opera-
tional edge which will divide those with
the best net returns and most time to
enjoy their gains from the rest.
Whomever investors have been
using for leverage until now, it is
worth keeping an eye on what’s
coming out of the B2R Finance
Lending Lab. For more insight into
the minds and intelligence being in-
jected into this mortgage maverick’s
DNA, check out B2RFinance.com
and DwellFinance.com.
going into pools. The benefits to
loan level buying include the ability
to cherry pick and purchase equity
deals. Loans with equity are usually
priced at a premium but are consid-
ered to be “safer.” In due time and
with experience you’ll find more
loans and more discounts and will be
able to buy pools, of which you can
choose high or low equity for exam-
ple. Time and experience are barri-
ers to entry on large trades mainly
because banks want to unload pools
to reputable servicers that can show
their history in the business.
The NEW Rules of Fundraising, pg. 34

time, and financial burden of filing
to raise funds like this Trowbridge
gives us a smart legal ‘hack.’ That
is, using the ability to ‘test the
waters.’ With the help of a good at-
torney you can run tests, and solicit
letters of interest, and encourage
investors to provide their information
to receive an invitation. And you can
do it online or live on stage at real
estate industry events.
GET THE 411+
Find out more about safe and
effective capital raising at Syndi-
cationLawyers.com, and check out
the great articles on So You Want
to Be a Hard Money Lender for the
25 questions you should be able to
answer first, and Powerful Tools to
Raise Big Money for the technical
details of Reg. D, Rule 506c, Reg.
A, and crowdfunding.
NEW ISSUE!
Realty411guide.com/
CashFlow-Express
Raising Capital and Private Money pg. 6
For two years, REI Wealth
Monthly has been delivering
vital industry news, tips and
insider secrets to success.
REIWealthmag.com
Co-owned by Realty411
Advertise in Our New Issue!

TRIPLE YOUR
EARNINGS
Sponsor | Exhibit | Register
High-impact exposure. High-quality results. The American Association
of Private Lenders Annual Conference is supported by aggressive
marketing and an extensive exhibitor program to ensure that your
conference investment is as successful as it can be. Contact us today
to learn how we can triple your exposure to the AAPL audience.
2015 AAPL ANNUAL CONFERENCE & EXPO
NOVEMBER 8-10, 2015 | CAESARS PALACE | LAS VEGAS, NEVADA
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Nationwide Financing
Up to 75% LTV
Recourse & Non-Recourse
Aquisition Line Available
Up to 30-Year Amoritization
. . . . . . . . . . . . . . . . . . . . . . . .
PROPERTY TYPES
Single-Family Residences
2-4 Family Units • Condos
Townhomes • Apartments
Mixed-Use
Residential real estate investors aren’t used to having
easy options for financing, re-financing and unlocking
equity from their rental properties. Until now.
At B2R Finance, residential rental mortgages are all
we do. That means we’re committed to finding faster,
easier and smarter options for you. For example,
we provide blanket loans allowing you to eliminate
multiple mortgages and “package” several properties
into a single loan. We also make asset-based loans that
consider the cash flow of your rental property rather
than your personal debt-to-income ratio.
In short, we provide innovative solutions that are tailor-
made for real estate investors.
B2R Finance L.P., NMLS ID # 1133465, 1901 Roxborough Road, Suite 110, Charlotte, NC 28211. B2R Finance L.P. is not a residential mortgage lender. B2R Finance L.P. only
makes loans with a commercial purpose and is not currently authorized to make such loans in all jurisdictions. Your specific facts and circumstances will determine whether
B2R Finance L.P. has the authority to approve loans in your specific jurisdiction. B2R Finance L.P. operates out of several locations, but not all locations conduct business in all
jurisdictions.Arizona Mortgage Banker License BK#0926974. Minnesota: This is not an offer to enter into an agreement.Any such offer may only be made in accordance with the
requirements of Minn. Stat. §47.206(3), (4). Oregon Mortgage Lender #ML-5283.
855.710.0227 B2Rfinance.com
We’ve
been looking
for a way
to refinance
our rental
properties.
B2R was the
answer.
Brian Evans
Investor
Plano, TX
“B2R walked us through the process
and made sure we were
comfortable every step of the way.”
- Brian Evans

Private Money411 - Featuring B2R Finance

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