Carey O'Laughlin has extensive experience in real estate development, mortgage banking, and construction project management. He has developed over 15,000 housing units and has experience analyzing, acquiring, developing, constructing, rehabilitating, and managing both single family and multifamily residential projects. Currently, he works as the director of a real estate development organization, providing market research, consulting, and networking services.

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Carey A. O'Laughlin
Professional Builder | Mortgage Banker |Single Family and Affordable Multifamily
Residential Developer |FHA Direct Endorsement and Multifamily Underwriter |
Land/Project Acquisition and Development Expert | Entitlement | Construction Project
Management |General Contracting |Technology
Jupiter, FL 33458
Plymouth, MA 02360
olaughlin.carey@gmail.com
(843) 304-3942
Consistent and substantial contributor to corporate growth and profitability for companies in the
single family and affordable multifamily residential acquisition and development and financial
services industry; analyzing, underwriting, entitling, acquiring, closing, developing, general
contracting, rehabilitating, and complete build out of FHA, Fannie Mae, Freddie Mac, and
commercial Acquisition and Development loans on large multifamily and single family project based
land transactions.
Successful in creating, entitling, acquiring, developing, construction managing, and executing well
targeted, customer-centric affordable residential real estate projects; sales and marketing programs
for 3rd party client project acquisition and then development using financial services that deliver
results. Client driven; fast paced work environment the norm; positive task deadline performance.
Developer of high performance, value-based, long term 3rd party client relations built on trust and
integrity. Expert in determining current and future needs of market developments. Comprehensive
knowledge of industry best business practices, general contracting, construction project
management, general management, sales and marketing, product/service offerings (FHA, Freddie
Mac, and Fannie Mae multifamily DUS, and commercial lenders), regulatory guidelines, and
financial parameters for acquisition and development loans.
A Former Fortune 500 corporate executive (Aetna Life and Casualty, Special Projects, Vice
President of Marketing and Sales and General Manager; Marcor Housing Systems, Sales Manager,
Marcor was the Holding Company of Montgomery Ward and The Container Corporation of America)
responsible for the development, building, sale, and management of over 15,000 housing units.
WORK EXPERIENCE
Founder | Director of Real Estate Development
Real Estate Development Leaders South Florida - West Palm Beach, FL –
January, 2015 to Present
Responsibilities
 Attend networking meetings
 Tracking industry Trends
 Market Research

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 Researching Industry Leaders
 Participating in industry discussions
 Industry consulting
 In Depth Market Analysis and Real Estate Economic Trends
 Acquisition and Development Consulting
Accomplishments
Client outreach, and market/product research identification/acquisition/development/packaging/
distribution.
Networking and Consulting with C - level executives.
Skills Used
General Management, Marketing, Sales Management, Corporate Reporting, Argus, Microsoft
Office Suite, DU, LP; FHA connection; MAP; DUS (Fannie Mae, FHA, and Freddie Mac)
commercial, multifamily submittal; quality control, appraisal, valuation, construction costing,
demographics, home buyer educator, development of market research feasibility reports, reporting
to client senior management, sales and marketing, general contracting; land acquisition and project
development, multifamily affordable housing development for Investors
President and CEO | Affordable Multifamily Project Development | Acquisition |
General Management | Construction
National Housing Capital, a 501(c)(3) Community Development Corporation(CDC) –
Plymouth, MA –
October 2013 to Present
Responsibilities
 Senior FHA Direct Endorsement Underwriter; CHUMS ID AZ03
 Single family and multifamily GSE DUS (Fannie Mae and Freddie Mac) commercial mixed
use, affordable, multifamily residential underwriting/development specialist.
 FHA MAP specialist
 GSE DUS (Fannie Mae and Freddie Mac) regulatory and product specialist; using financial
products as socioeconomic revitalization and community development tools.
 National non-profit technical assistance intermediary to community based local not for
profits for development of affordable housing
 Perform complicated financial modeling and spreadsheet analysis in Excel.
 Translate creative and complex financing solutions into financial models for presentations
to clients as community development tools
 Prepare market analysis reports, including vacancy, absorption, and comparable rents and
sales.
 Review and analyze legal documents and third party reports as part of the due diligence
and closing process
 Construction, acquisition and development, entitlement, and management of multifamily
apartment projects
Accomplishments
FHA Direct Endorsement Underwriter CHUMS ID # AZ03; multifamily FHA approved Underwriter

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Real Estate Developer | Multifamily Residential Land Acquisitions | Senior Financial
Advisor | GSE (Fannie Mae and Freddie Mac) and FHA Financial Modeling for Multifamily
Residential Market Dynamics | Project Construction Management | Financing and
Valuation for Client Project Acquisitions and Development Loans | Construction
America One Acceptance Corp.
Chicago, IL - February 2011 to June 2013
Responsibilities
 Single family and multifamily builder and developer
 Primary responsibilities of a consultant/project underwriter will be to provide day-to-day
financial, market, and underwriting analysis of multifamily and land development loans to
clients
 Fast-paced environment of multifamily and acquisition and development mortgage
underwriting and placement
 Extensive contact with clients and to assist in the use of multifamily, commercial, and
industrial financing and management programs.
 Ability to work closely with the Senior Credit team and Originators on the structuring and
underwriting of transactions for acquisition and DUS and commercial lending submittal
 Analyze, interpret and underwrite complex commercial, industrial, and multifamily real
estate transactions incompliance with respective agency guidelines (Fannie Mae and FHA)
and commercial bank offerings
 Conduct detailed economic and demographic research to determine feasibility of
transactions
 Prepare and present comprehensive loan approval package to credit committee
 Conduct comprehensive inspections of physical real-estate assets
 Commercial underwriting, specifically dealing with large project based Acquisition and
development loans – GSE multifamily experience; commercial and industrial
 Highly developed analytical, research and written/oral presentation skills
 Ability to problem-solve and exercise independent judgment while displaying a high degree
of initiative and accuracy on loan analysis and packaging
 Demonstrated ability to organize & prioritize projects; complete multiple tasks on schedule
 Ability to work productively under minimal supervision
 Strong work ethic and pro-active team player able to work effectively in a fast-paced
environment
Skills Used
Microsoft Office Suite (Word, Excel, Power Point); AUS, DU, LP; FHA Connection; quality control,
appraisal, market research, construction costing, demographics, transaction feasibility, HUD,
Fannie Mae certified home buyer educator; MAP processing; all phases of the development
process; single family, commercial, industrial, and multifamily acquisition and development,
construction, financing, and general management
Independent Sabbatical
Institutional - Chicago, IL – PhD research Candidate
September 2008 to December 2010
Responsibilities
University of Birmingham Edgbaston, UK worked on PhD dissertation,
"Karl Rahner, S.J., Conversion to the Phantasm As Seen In the Works of ST. Ignatius Loyola".

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President& CEO | Real Estate Development | Community Development | Project
Acquisition | Mortgage Banker | Senior Commercial Multifamily Loan Analyst | Underwriter
| Project Development | Land Acquisition and Development | Entitlement | Project
Construction Management | General Construction | Technology
Applied Research Capital Corp., (ARCC MORTGAGE) an Illinois Mortgage Bank Licensee;
Certified Community Development Financial Institution (CDFI)
Schaumburg, IL;
July 1995 to September 2008
 Developed and managed company.
 Obtained Community Development Financial Institution (CDFI) status;
 Established full eagle FHA mortgage bank.
 Created market research firm;
 Contracted with Freddie Mac in three markets for market research reports giving
demographics and comparable to determine financial product for percentage of market
share.
 Worked in mortgage bank as the Senior FHA DE and Commercial, Industrial, Multifamily
Mortgage Analyst/Underwriter
 Originations and closings averaged $175 to $200 million annually.
 FHA Senior Direct Endorsement Underwriter; FHA and Fannie Mae Multifamily underwriter
and developer. CHUMS ID. # AZ03
 National Technical Assistance Intermediary to other local community development not for
profits
 Entered into multiple community development partnerships with national and local not for
profit community development corporations providing affordable housing technical,
construction management, and project financial placement
 Based on “Jobs, Jobs creation, socioeconomic revitalization”: participated in numerous
multifamily community development projects. Focus was the use of section 8 housing
vouchers for qualifying clients for single family project based home - ownership.
 Initiated strategic socioeconomic affordable housing programs for community revitalization
using mixed use commercial, industrial, and multifamily projects; helped our communities
by empowering community residents.
 Acknowledged as an Illinois 501 (c) 3 corporation with Group Exemption capacity. HUD
and Fannie Mae certified home buyer educator and affordable housing provider. Market
feasibility expert
 HUD approved, unlimited, non-recourse FHA multifamily (project) and single family
borrower; 203b, 203k, section 221(d) (4), 232/223(f).
 Developed and built 85 multifamily mixed use, commercial, industrial, and single family
community development projects. Largest single family rehabilitation contractor/developer
in the City of Chicago by number of building permits pulled for the years 2000 and 2001.
 Provided $19,000,000 in down payment assistance for entry level market rate buyers.
Accomplishments
Worked with the Illinois Development Housing Authority on a $300 million Bond Issuance in
conjunction with the AFL/CIO Carpenters Union to provide 300 single family factory built housing
units for the South Side of Chicago, IL using Apprentice carpenters for labor.
Skills Used

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Land and project acquisition and development, multifamily, and housing valuation; real estate
brokerage; construction costing; architectural design; market research; financial/loan and credit
underwriting for real estate projects; pro-forma analysis; sales and marketing; home buyer
education; down payment assistance for entry level market rate buyers, project development and
general contracting, affordable housing provider
Multifamily Project Valuation | Product Loan Packaging | Project Construction
Management | Consultant to Community Developers
Capital Asset Research Corp. –
West Palm Beach, FL –
July 1994 to July 1995
Responsibilities
 Largest tax lien buyer in the U.S. Funded by $ 1 billion from Lehman Bros.
 Completed multifamily project packaging nationally of commercial, industrial, and
multifamily assets with financial resources provided by FHA, Fannie Mae, Freddie Mac,
and commercial lenders.
 Assets valued and packaged for sale to national and local community development
corporations for affordable housing programs
Commercial Multifamily | Loan Analyst | Underwriter | Project Developer
Waters Mortgage Corp - Fort Lauderdale, FL –
September 1992 to June 1994
 975 203K loans closed; project based not for profit multifamily affordable housing.
 Acquisition and Development | General Contracting
Project Manager
Bay Hill Estates; Estate Course of PGA National
PGA Partnership
Palm Beach Gardens, FL
October 1990 to August 1992
 Partnership to acquire project from owner
 Acquisition | Development | Sale | Building
Managing General Partner | President
CD PARTNERS | Florida Home Group, Inc. –
West Palm Beach, FL –
September 1983 to September 1990
 Acquired land | Entitled | Managed and developed 8 single family and multifamily residential
developments
 Acquisition and Development
 Average loan amount $175,000.
 Annual closings of 400 single family and multifamily homes a year totaling over
$80,000,000.
 Contract for acquisition of Green View Shores Country Club | 300 lots | Wellington, FL
 The Jupiter, FL single family project achieved the number one sales status for single family
residential in Palm Beach County.

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 Acquired and sold large Single Family | multifamily real estate tracts of land and Planned
Unit Developments.
 Packaged and placed all acquisition and development loans.
Managing Director | Owner | Real Estate Developer
Atlantic-Pacific Development Corp. –
San Francisco, CA –
July 1976 to August 1983
 Large project real estate, P.U.D., and tract of land sales |
 Project acquisition and development |
 Largest Savings and Loan in California distressed project workout specialist | consultant |
builder, developer
Underwriting, loan processing, real estate closings
FHA, Freddie Mac, Fannie Mae
Vice President Marketing and Sales, Ponderosa Homes; General Manager McKay Homes
Aetna Life and Casualty –
Santa Clara, CA –
September 1973 to June 1978
 Performance of sales and marketing duties for Ponderosa homes, 2nd largest builder in
California as Vice President Marketing and Sales.
 Responsibilities included market research, product development, all mortgage services;
management of 32 subdivisions and 58 sales personnel, sales plan development and
forecasting, and closing of over 7,500 multifamily and single family homes
MacKay Homes was also a division of Aetna which Ponderosa took over management
Sales Manager
Marcor Housing Systems, Inc. (Holding Company of Montgomery Wards and The Container
Corporation of America)
Denver, Colorado
September 1971 to August 1973
 Started as Assistant Property manager of 475 unit apartment complex
 Marcor built 5 projects; 875 units speculative; I was Sales Manager for 3; 400 units
EDUCATION
Masters, PhD Research Candidate in Theology and Religion
Graduate Institute of Theology and Religion; University of Birmingham, England -
Edgbaston 2003 to 2009
BA in Government
Wesleyan University - Middletown, CT
SKILLS

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General Management, Marketing, Sales Management, Corporate Reporting, Argus, Microsoft
Office Suite, DU, LP; FHA connection; MAP; DUS submittals; quality control, appraisal, valuation,
construction costing, demographics, home buyer educator, development of market research, sales
and marketing, general contracting; land entitlement; land acquisition and project development,
multifamily affordable housing development for Investors
LINKS: https://www.linkedin.com/in/CareyOL
https://www.NationalHousingCapital.org