Lender Lounge with Kevin Kim

Linda Hyde, President of the American Association of Private Lenders (AAPL), joins Kevin Kim to kick off Season 6 of Lender Lounge. In this episode, Linda shares her journey from leading a call center to spearheading one of the most influential organizations in private lending. She reflects on transforming AAPL from a niche "good old boys club" into a national platform for ethics, education, and advocacy in the industry. The conversation explores the association's evolution, grassroots legislative efforts, and its commitment to building a more inclusive, accountable private lending community. Linda also offers a behind-the-scenes look at AAPL's growth, upcoming initiatives, and her personal leadership philosophy.  Linda Hyde serves as the President of the American Association of Private Lenders (AAPL), the nation's leading organization dedicated to supporting and advancing the private lending industry. With a deep commitment to professional standards, advocacy, and education, Linda brings a wealth of leadership experience and industry insight to her role. Under her guidance, AAPL continues to champion ethical practices, foster meaningful connections, and provide valuable resources to private lenders, brokers, and service providers nationwide. Her vision is centered on empowering members and promoting sustainable growth in the evolving landscape of private real estate finance.  Bullet Points:  [00:00:00] Introduction  [00:01:06] Linda Hyde introduces her role as President of AAPL and her early days behind the scenes.  [00:02:26] Record turnout at the 2025 AAPL Annual Conference and reflections on the event's growth.  [00:03:59] How Linda took leadership and shifted AAPL away from exclusionary roots.  [00:06:52] Emphasis on inclusivity and attracting a broad range of companies, from small shops to institutions.  [00:08:34] Key turning point around 2015 as AAPL began offering education and certifications.  [00:11:42] AAPL's year-round programming and expanded member resources beyond the annual event.  [00:13:21] Importance of in-person connections at events and their role in shaping industry direction.  [00:15:23] AAPL's formal ethics complaint process and how it protects the industry.  [00:18:26] The ethics committee's philosophy on accountability and rehabilitation.  [00:19:52] AAPL's grassroots approach to legislation and how it differs from lobbying.  [00:21:35] Growing recognition of private lending's role in affordable housing by policymakers.  [00:24:59] Balancing the needs of institutional players and emerging lenders within AAPL.  [00:28:21] How Linda handles competing priorities and pressures from larger sponsors.  [00:31:31] Linda's background running call centers and how those skills translated into AAPL leadership.  [00:36:25] Linda's approach to learning the industry through observation and asking questions.  [00:39:35] How new lenders and brokers can get involved with AAPL through writing, webinars, and committees.  [00:41:09] Creation of the fraud committee in response to increasing concerns in the market.  [00:43:11] Why AAPL declined to create or support a "blacklist" of industry participants.  [00:46:08] The fraud committee's focus on providing tools and standards—not policing behavior.  [00:47:31] Recognizing the community effort behind AAPL's growth and Linda's appreciation for her team.  [00:50:50] Linda's perspective on the current market cycle and continued opportunity in private lending.  [00:53:05] AAPL's plan to remain nimble and responsive in times of crisis.  [00:54:17] How Fortra and AAPL partnered closely during COVID to support the industry.  [00:56:44] Education and university partnerships as key initiatives for 2026.  [00:57:40] A call for members to volunteer as educators and get more involved with AAPL.   Links:  Learn more about American Association of Private Lenders at: https://aaplonline.com/   Learn more about Geraci Law Firm at: https://www.geracilawfirm.com  Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast  Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up  Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube 

In this solo wrap-up episode, Kevin Kim reflects on key trends and challenges the private lending industry faced in 2025 while sharing predictions and recommendations for 2026. From increased borrower fraud and rising defaults in major markets to the growth of in-house servicing and securitization opportunities for independent lenders, Kevin explores how lenders can adapt to shifting conditions. He also emphasizes operational discipline, compliance, and technology adoption—including blockchain and AI—as essential strategies for staying competitive in the year ahead.   Bullet Points:  [00:00:00] 2025's winners, losers, and the rise of borrower and vendor fraud.  [00:02:08] Regional default trends, with Texas, Florida, and Northeast hit hardest.  [00:03:00] Securitization expands among independent lenders.  [00:04:10] Expansion of verticals like wholesale, table funding, and servicing.  [00:05:10] DSCR lending becomes a borrower retention tool.  [00:06:00] Growth and risk in construction lending.  [00:07:05] Secondary and tertiary markets see rising volume.  [00:08:10] 2026 outlook: cautious Fed, ongoing fraud risk, and use of AI.  [00:09:20] Increased adoption of in-house and third-party servicing.  [00:10:00] Rise of blockchain and tokenization in private lending.  [00:11:00] SEC regulatory shifts: finder's fees, private fund rules, and accredited investor definition.  [00:12:10] Operational discipline: reporting, licensing, and compliance reminders.  [00:13:25] Growth of wholesale programs and the need for licensing clarity.  [00:14:20] Risks of automation: operational errors in document production.  [00:15:00] FortraCon 2026 returns to the Cosmopolitan in Las Vegas.   Links:  Learn more about Geraci Law Firm at: https://www.geracilawfirm.com  Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast  Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up  Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube 

In this episode of Lender Lounge, host Kevin Kim sits down with Brad Laddusaw of SNL Capital Group and Brock VandenBerg of Talamar Financial for a dynamic discussion on the realities of private lending in California. Both guests bring unique perspectives—Brad as the President of the California Mortgage Association (CMA) and Brock as a seasoned fund manager. They explore topics such as the complexities of lending regulation in California, the role and value of CMA in advocacy and education, the evolution of loan products, and the importance of industry collaboration. The episode offers candid insights into the challenges, nuances, and opportunities in one of the country's most tightly regulated yet influential lending markets.  Brad Laddusaw, CPA and CA DRE Broker, graduated CSUF in Accounting & Finance. He began at Ernst & Young, became VP Finance at a private lending firm, and in 2017 co-founded S&L Capital Group, providing asset-based bridge loans in California. He has underwritten $300M+ in trust deed investments and serves as President of the California Mortgage Association.    Brock VandenBerg is President of TaliMar Financial and Fund manager for TaliMar Income Fund I. TaliMar Financial is a leading private lender funding residential and commercial bridge Fix and Flip, Bridge, and New Construction loans throughout California.   Bullet Points:  [00:00:00] Introduction  [00:01:13] Guest introductions and lending model overviews.  [00:03:22] SNL Capital Group's trustee-to-investor lending strategy.  [00:05:30] Growth of Talamar Financial's mortgage fund and investor base.  [00:06:21] Lending focus areas and geographical footprint for both guests.  [00:08:56] California's regulatory environment and its national significance.  [00:10:39] Overview and mission of the California Mortgage Association (CMA).  [00:13:17] Fragmentation in private lending and differences in business models.  [00:14:22] Perception and branding of "hard money" vs. asset-based lending.  [00:16:34] CMA's diverse lender base and its value in bridging niche markets.  [00:18:33] Importance of CMA for both California and national lenders.  [00:19:05] CMA's relevance for mortgage brokers, brokers, and compliance staff.  [00:20:49] California's dominance at national lending conferences.  [00:22:39] Experience and knowledge-sharing among CMA's "old guard."  [00:24:00] Educational value of CMA's legislative panel and private money basics.  [00:25:31] Working relationship with California's DRE and regulatory transparency.  [00:28:03] Importance of proactive compliance to avoid audits and exams.  [00:29:43] Pros and cons of California's transparency vs. regulatory complexity.  [00:31:43] Need for specialized legal counsel in California private lending.  [00:32:25] Risk of regulatory non-compliance and misadvice from general counsel.  [00:33:40] Misconceptions about CMA and expanding national relevance.  [00:35:54] CMA's role in trend forecasting and regional market insights.  [00:37:03] Ground-level issues in ADU projects and construction timelines.  [00:39:09] Conservative underwriting as a safeguard in volatile markets.  [00:40:13] Institutional shops' hesitation toward non-box-conforming loans.  [00:41:48] Strategies for attracting new blood to CMA and growing membership.  [00:42:50] Pop-up events and localized education as membership drivers.  [00:43:31] Positive shift in CMA's atmosphere and member engagement.  [00:46:35] Launch of CMA's Fund Manager Committee for peer discussion.  [00:47:23] Opportunities for institutional involvement and education at CMA.  [00:49:29] Importance of promoting CMA's advocacy wins and impact.  [00:51:18] California's influence on national legislative trends in real estate.  [00:52:50] Overview of CMA's Lobby Day and legislative engagement.  [00:54:22] The importance of direct outreach to local legislators.  [00:56:02] How listeners can get involved in CMA and advocacy efforts.     Links:  Learn more about SNL Capital Group at: https://snlcap.com/   Learn more about Talamar Financial at: https://www.talamarfinancial.com/   Learn more about Geraci Law Firm at: https://www.geracilawfirm.com  Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast  Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up  Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube 

Wes Carpenter, Managing Partner at Stormfield Capital, joins Kevin Kim in this episode of Lender Lounge. With a background in multifamily investing and over a decade in private lending, Wes shares the unique story of building Stormfield into a contrarian, institutional-grade lender. Unlike many of its peers, Stormfield operates as a true balance sheet lender with no structural leverage or loan sales, holding over $750 million in AUM. Wes discusses the evolution from syndicating hard money deals to launching a fully audited, institutional fund, highlighting their focus on durability, disciplined underwriting, and investor-first principles. The conversation covers market shifts, the rise of securitization, and the long-term outlook for residential and commercial lending. Bullet Points: [00:00:00] Introduction [00:01:07] Wes Carpenter introduces Stormfield Capital and their lending strategy. [00:02:32] The firm's origin story and how it differs from other lenders. [00:04:24] From syndicating loans to launching their first fund in 2016. [00:07:06] Why Stormfield committed to being a balance sheet lender. [00:10:06] Avoiding correspondent lending in favor of business independence. [00:12:20] Wes's early background in multifamily and discovering bridge lending. [00:14:23] Strategic CRE lending only when risk is asymmetrical. [00:15:24] Borrower evolution from fix-and-flip to long-term investing. [00:17:18] Transitioning Stormfield into an institutional asset manager. [00:19:52] Staying unlevered and resisting the temptation of selling loans. [00:22:05] Building the fund with full audit and third-party admin from day one. [00:24:30] Avoiding structural leverage to ensure durability in down markets. [00:26:03] Stormfield's growth during periods of market dislocation. [00:28:14] Reaction to widespread leverage and securitization in the market. [00:31:03] Questioning if bond investors are being adequately compensated. [00:33:05] Disconnect between pension/endowment capital and direct originators. [00:34:04] Why RTL's short-term nature challenges traditional securitization. [00:36:57] SMAs may be a more viable path for institutional entry. [00:38:17] Recognition of self-originated securitizations gaining better pricing. [00:40:03] Stormfield's continued commitment to residential lending. [00:42:14] Reducing Florida exposure due to insurance and demographic shifts. [00:44:36] Stormfield's contrarian approach and resisting mainstream trends. [00:46:19] Declining DSCR offerings to stay focused on core strategy. [00:48:42] Gaining traction with endowments through early planning and access. [00:50:08] The hidden challenges and risks of institutional capital. [00:53:33] HNW investors provide stability compared to large institutions. [00:57:20] Wes's market outlook: multifamily trough and market reset. [01:00:59] The lack of permanent agency financing as a long-term concern. [01:01:06] Regional variations and pricing corrections in residential real estate. [01:02:09] Competitive pressure from aggressive lenders versus discipline. [01:02:09] Kiavi's real advantage is borrower experience, not just price. [01:04:34] Tech investment and borrower UX need more industry focus.   Links: Learn more about Stormfield Capital at https://www.stormfieldcapital.com/ Learn more about Geraci Law Firm at https://www.geracilawfirm.com Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube

"Sam" Sarkis Chivitchian is the founder and CEO of Secured Capital Lending, a direct private lending firm specializing in private money and hard money loan products — including fix and flip, construction loans, DSCR, commercial bridge, land loans, and asset-based financing. With over 20 years of experience in real estate and finance and more than 1,200+ transactions closed, Sam has become a recognized voice in the private lending industry. He frequently shares his expertise as a guest speaker at national conferences, podcasts, and industry events. Beyond lending, Sam is a real estate broker, fund manager, and active developer. Outside of work, he enjoys spending time with his wife and three children and coaching professional MMA fighters. Surprisingly Sam is a former UFC fighter and National Judo Champion, he brings the same discipline and focus to helping investors succeed.   Bullet Points: [00:00:00] Introduction [00:01:05] Sam's introduction and early lending background. [00:02:15] Discovering private lending through a short sale flip. [00:03:25] Working at LBC and founding Secured Capital Lending. [00:05:34] How the industry changed from hard money to institutional lending. [00:07:54] The growing divide between residential and commercial lending shops. [00:08:57] Sam's one-stop-shop approach: hard money vs. private money. [00:10:45] Institutionalization's impact on loan structure and underwriting. [00:11:32] Early experience selling loans and market shifts in 2020. [00:13:15] Thriving during COVID through investor-based lending. [00:15:18] Value of asset-based lending during periods of market dislocation. [00:16:06] Addressing gaps in institutional credit boxes with common-sense loans. [00:17:30] Launching Secured Capital from scratch. [00:18:13] Lessons in leadership and scaling slowly. [00:20:47] Keeping the team small, focusing on efficiency and quality. [00:22:40] Balancing origination, funding, and development ventures. [00:23:45] Learning from the 2008 crash and growing organically. [00:25:56] Sam's martial arts background and transition from UFC to lending. [00:28:57] Retiring from professional MMA and starting a real estate career. [00:30:45] How martial arts training shaped Sam's business mindset. [00:32:43] Why discipline, resilience, and team dynamics matter in lending. [00:34:31] Business parallels between sports competition and lending. [00:36:32] Importance of networking, humility, and playing the long game. [00:38:57] Advice for new market entrants and why passion is essential. [00:40:55] The risk of 100% financing models and chasing yield. [00:42:33] Transitioning to balance sheet lending and fund management. [00:45:42] Choosing an LPGP fund structure to expand investor access. [00:48:27] Using capital variety to match each loan to the right strategy. [00:50:34] Thoughts on the current market: volatility, corrections, and inflation. [00:53:35] Why short-term market pain could be healthy for the industry. [00:54:38] Commercial real estate's comeback and new opportunities. [00:56:17] Shifting to more commercial loans at Secured Capital Lending. [00:57:48] Concerns about oversaturation and new entrants in California. [01:00:16] Why quality execution will define success over the next five years. [01:03:11] Caution against extreme lending models and risky strategies. [01:04:22] Sam's closing thoughts on building the right way and long-term vision.   Links: Learn more about Secured Capital Lending at https://securedcaplending.com/  Learn more about Geraci Law Firm at https://www.geracilawfirm.com Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube

Charlie Woo, President of Fidelity Bancorp Funding, joins Kevin Kim in this episode of Lender Lounge. With a deep background in investment banking and a pivotal role in past industry-shaping transactions, Charlie shares why he moved from Wall Street to private lending. Fidelity Bridge Loans focuses on small-balance bridge loans for commercial real estate with an emphasis on multifamily and business-purpose residential properties. Charlie discusses the firm's strategic balance between retail and institutional capital, their selective growth into DSCR and construction lending, and the evolving role of capital markets in the sector. The conversation also addresses underwriting discipline, the impact of rising rates, and Fidelity's vision for long-term, flexible growth.   Bullet Points:  [00:00:00] Charlie introduces himself and her transition from investment banking to Fidelity Bancorp Funding.  [00:02:04] Overview of Fidelity's focus on small-balance commercial and multifamily bridge lending.  [00:03:33] Evolution of Fidelity from a mortgage brokerage to a private lender with its own fund.  [00:04:36] Market shifts driving demand toward multifamily and residential investor deals.  [00:05:11] Impact of tariffs and bifurcation in the industrial market.  [00:06:52] Charlie's unique entry into private lending after advising M&A deals in the industry.  [00:08:52] The firm's focus on building long-term permanence with diversified capital sources.  [00:09:48] Trade-offs between staying independent versus private equity buyouts.  [00:13:59] Introducing institutional flavor while retaining retail investor priority.  [00:15:55] Institutional interest in small-balance commercial lending and originator challenges.  [00:20:53] Underwriting approach: asset coverage and borrower strength.  [00:24:50] The role of banks today and why private lenders are stepping into bridge loan spaces.  [00:28:16] Big banks showing interest in RTL loans and securitization trends.  [00:29:23] Expansion into DSCR products for small multifamily and term lending.  [00:32:25] Market potential and hesitation around institutional DSCR lending for larger multifamily.  [00:33:51] Charlie's Wall Street roots and transition through Genesis and Anchor deals.  [00:38:24] Reflections on M&A deals like Anchor, and why Fidelity is choosing independence.  [00:44:03] Seeking long-term institutional partners without compromising business model flexibility.  [00:52:43] Expansion plans targeting Texas and Pacific Northwest with prudent hiring.  [00:56:30] Upcoming entry into ground-up construction and build-to-rent lending.  [00:57:43] Outlook on commercial real estate recovery and underwriting discipline.    Links: Learn more about Fidelity Bancorp Funding at https://www.fbfloans.com/  Learn more about Geraci Law Firm at https://www.geracilawfirm.com  Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast  Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up  Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube 

In this special pre-Captivate episode of Lender Lounge, Fortra Law Partners Kevin Kim, Jennifer Young, and Nema Daghbandan trade industry insights, leadership philosophies, and plenty of jabs in a no-holds-barred "roast" of their own. Set against the backdrop of Captivate 2025, this episode blends serious economic forecasting with personal stories from the trio's time building Fortra Law. From market expansion and DSCR strategies to parenting styles, grumpiness, and what it means to be a good older sibling (or not), the episode gives listeners an unfiltered, funny, and refreshingly honest look behind the scenes. Whether you're here for private lending predictions or to find out why Kevin doesn't say "good morning," this one's not to be missed.

Kendra Rommel, co-founder of Futures Financial, joins Geraci Partner Jen and Geraci Attorney Nichole for a special "She-Shed" takeover episode of Lender Lounge. Kendra shares her unconventional path from retail to mortgage lending, her early operations experience, and the strategic decisions behind launching Futures with her partner David Rosenberg. The conversation explores balancing personal life and business, building a resilient team, lessons in partnership, and the importance of remaining adaptable in an ever-changing private lending market. Kendra's story reveals the grit, vulnerability, and mindset required to build a private lending business from the ground up.   Bullet Points: [00:00:00] Kendra introduces Futures Financial and its lending focus. [00:03:22] Her start in mortgage at 17 and transition from retail to lending. [00:07:21] The story of meeting and partnering with David Rosenberg. [00:12:37] Early challenges and scaling lessons from small shop lending. [00:15:26] What sets Futures apart and its unique infrastructure approach. [00:17:29] Hiring philosophy and how the team has grown intentionally. [00:20:03] Marketing missteps and learning from early mistakes. [00:22:02] How Futures adapts to market changes without losing identity. [00:25:01] Kendra opens up about the emotional toll of launching a business. [00:27:38] Building trust in a partnership and handling vulnerability. [00:30:09] Balancing parenting, entrepreneurship, and personal time. [00:33:25] Setting boundaries and time-blocking to stay present. [00:35:42] Advice for clients: always have more than one lending option. [00:39:43] How Futures remains transparent and client-focused. [00:42:52] The role of active asset management in borrower retention. [00:46:17] Moments of fulfillment and pride in Futures' progress. [00:50:55] How private lending reshaped her perspective on money. [00:52:29] Vision for Futures: slow growth, strong capital, and tech projects. [00:54:20] Where to find Kendra and connect with Futures Financial.   Links: Learn more about Futures Financial at https://futuresfinancial.com/ Learn more about Geraci Law Firm at https://www.geracilawfirm.com Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube

Kevin Kim hosts a special episode of Lender Lounge on location at Renovo Financial's Top Gun Event in Los Angeles. Joined by Paul Shaughnessy, a top originator at Renovo, and Kevin Werner, CEO of Renovo Financial, the discussion delves into Renovo's culture of employee investment, relationship-driven lending, and long-term growth strategy. The guests highlight Renovo's commitment to local market expertise, continuous learning, and a high-performance team culture that drives their success. Insights into client relationships, the importance of local market presence, and future ambitions for Renovo make this a compelling episode.   Bullet Points: [00:00:00] Introduction to the Lender Lounge podcast with Kevin Kim. [00:00:48] Kevin Kim on location at Renovo Financial's Top Gun Event in Los Angeles. [00:01:19] Paul Shaughnessy introduces himself as an originator at Renovo Financial. [00:01:35] Kevin Werner introduces Renovo's annual Top Gun Event for top performers. [00:02:03] Criteria for Renovo's Top Gun: Originators must close $50 million annually. [00:03:01] Discussion on Renovo's culture of investing in employee happiness and growth. [00:04:21] Renovo's focus on continuous learning and development for the team. [00:06:38] Challenges of expanding into new markets and attracting top talent. [00:08:31] Renovo's approach to lending only in markets where they have a local presence. [00:09:40] Paul Shaughnessy on building Renovo's presence in Massachusetts. [00:12:31] Importance of understanding clients' business goals and challenges. [00:14:27] Relationship-driven lending versus rate-driven competition. [00:16:18] Balancing competitive product offerings with strong client relationships. [00:18:23] Long-term perspective in lending and the value of borrower loyalty. [00:24:14] The consultative approach to client relationships at Renovo. [00:28:13] Navigating competition from legacy hard money lenders. [00:31:04] The importance of character assessment in borrower qualification. [00:33:21] Renovo's diversified product offerings in the Massachusetts market. [00:38:01] Expansion plans for Renovo in California with a focus on local leadership. [00:41:06] Renovo's internal culture-building through events like Renovo Palooza. [00:44:31] Investing in employee development without sacrificing profitability. [00:50:09] Insights from other successful companies like Quicken Loans. [00:54:11] Transparency and accountability at Renovo through public performance metrics. Links: Learn more about Renovo Financial at https://renovofinancial.com/ Learn more about Geraci Law Firm at https://www.geracilawfirm.com Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube  

In this episode of Lender Lounge with Kevin Kim, Briana Hildt, CEO and Founder of Cardinal Capital Group, joins the show to share her remarkable journey in private lending. From starting in asset management to becoming one of Massachusetts' leading private lenders, Briana discusses how she transitioned from a loan broker to launching and scaling her own lending business. She provides insight into the challenges of breaking into the Northeast market, the importance of relationship-driven lending, and how strategic decision-making fueled Cardinal Capital's success. Briana's story highlights resilience, the power of strong partnerships, and a commitment to executing with integrity—valuable lessons for both emerging and established lenders.  Briana Hildt serves as the Founder and CEO of Cardinal Capital Group, a prominent female-owned private lending firm operating on a national scale. With a strong background in real estate lending, she has facilitated over $1Billion in business purpose loans. Under her guidance, CCG has emerged as the top private lender in Massachusetts, Briana's native state. Her pioneering approach and unwavering commitment to excellence have positioned her as a formidable leader in the industry. She emphasizes the core values of Adaptability, Devotion, and Integrity in steering the company toward success. Bullet Points: [00:01:04] Briana Hildt introduces herself and her company, Cardinal Capital Group. [00:02:10] Briana's early career in asset management and real estate before entering private lending. [00:03:54] Transitioning from a loan broker to establishing Cardinal Capital. [00:06:22] Breaking into the Massachusetts private lending market and navigating industry challenges. [00:08:44] The pivotal decision to launch her own lending firm instead of joining an established lender. [00:12:08] Raising seed capital and securing early investors for Cardinal Capital. [00:14:50] The importance of building trust with investors, borrowers, and industry partners. [00:18:30] How Briana built lasting client relationships and a referral-based business model. [00:21:42] The challenges and benefits of intentional, steady growth over rapid expansion. [00:25:10] Cardinal Capital's disciplined approach to underwriting and deal structuring. [00:30:20] Market insights: The Northeast lending landscape and how it differs from California. [00:35:55] How Briana and her team adapted to market volatility in recent years. [00:40:38] The role of trust, transparency, and execution in scaling a lending business. [00:45:12] Briana's advice for brokers looking to transition into direct lending. [00:50:05] The future of Cardinal Capital and key trends in private lending. Links: Learn more about Cardinal Capital Group at https://ccgloans.com/ Learn more about Geraci Law Firm at https://www.geracilawfirm.com Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube

In this episode of Lender Lounge, Kevin Kim interviews Daniel Guimont, CEO of Guimont Capital, and Kirsten Lundell Koester, the company's Chief Legal Officer, at their Bellevue office. Daniel and Kirsten share Guimont Capital's journey from its roots as Las Vegas Loans to becoming a diversified lender focused on high-value, diverse projects across the U.S., from real estate to business acquisitions. They discuss the company's hands-on approach, unique underwriting process, and commitment to borrower relationships, emphasizing both operational experience and the human element in lending. Daniel reflects on lessons from his previous waste management venture, now applied to Guimont Capital's approach, while Kirsten explains how her M&A background supports their current deal-making strategies.  This episode offers insights into balancing growth with careful underwriting, maintaining client relationships, and defining long-term goals in the private lending market.      Bullet Points:  [00:01:15] Introduction to Guimont Capital's background and their transformation from Las Vegas Loans.  [00:04:23] Discussing Captivate 2023 sponsorship and its impact on brand visibility.  [00:06:48] Portfolio diversity: from raw land development to resorts and office spaces.  [00:09:25] Unique underwriting process centered on asset and borrower alignment.  [00:13:55] Leveraging past operational experience in lending practices.  [00:18:34] Focus on genuine, transparent borrower relationships.  [00:21:16] Story of Daniel's early career and growth in waste management.  [00:27:48] The formation of the Guimont family office.  [00:32:53] Strategies for maintaining diversified investments in lending.  [00:37:08] Thoughtful approach to growth and capital sourcing.  [00:43:23] Challenges and benefits of being self-funded.  [00:50:49] The importance of borrower communication in risk management.  [00:55:32] Guimont Capital's plans to maintain a borrower-centered approach while scaling.  [01:01:18] Long-term vision: patient growth and strong client relationships.      Links:    Learn more about Guimont Capital at https://www.guimontcapital.com/  Learn more about Geraci Law Firm at https://www.geracilawfirm.com  Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast  Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up  Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube

Kevin Kim hosts a live episode of Lender Lounge from the Captivate Conference at the Encore Hotel in Las Vegas. Joining him are industry veterans Evan Stone, CEO of Champions Funding and Chairman of Community Savings, Dustin Wells, President of Dominion Financial Services Wholesale, and Dave Orloff, CEO of American Heritage Lending. This discussion explores the evolving landscape of private lending, particularly the intersections of consumer and business-purpose lending. The panelists dive into their experiences transitioning from consumer to business-purpose lending, the distinct challenges of each, and the nuances of RTL and DSCR products. The conversation also highlights the importance of understanding credit risk, borrower psychology, and the growing role of brokers in non-agency lending. The episode provides valuable insights into market trends, capital strategies, and the future of private lending in a rapidly changing economic environment.      Bullet Points:  [00:00:57] Kevin introduces the Captivate Conference and the episode's panel.  [00:03:02] Discussion on the difference between consumer and business-purpose lending.  [00:05:03] Panelists share their preferences between consumer and BPL.  [00:09:01] The evolution of liquidity and secondary markets in BPL since 2018.  [00:12:03] Dominion's unique approach to RTL and partnership with life insurance companies.  [00:16:05] The role of banks in BPL and managing liquidity through term financing.  [00:20:02] Initial reactions of consumer lenders entering BPL and adapting to its unique challenges.  [00:25:04] The critical role of understanding credit risk and the differences in underwriting BPL versus consumer loans.  [00:33:07] Exploring borrower profiles and their impact on RTL underwriting decisions.  [00:39:10] DSCR as a growing product category and its current market conditions.  [00:45:12] The psychology of borrowers and the impact of rate fluctuations on market behavior.  [00:50:06] Discussion on the potential long-term stability of rates and borrower expectations.  [00:55:05] Concerns about commoditization and standardization in the RTL sector.  [01:00:09] Champions Funding's focus on staying specialized and cautious about market overextension.  [01:05:07] Insights into the factors that contribute to the success or failure of consumer shops entering the BPL space.   Links:    Learn more about Champions Funding at https://www.champstpo.com/  Learn more about Dominion Financial Services at https://www.dominionfinancialservices.com  Learn more about American Heritage Lending at https://ahlend.com/  Learn more about Geraci Law Firm at https://www.geracilawfirm.com  Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast  Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up  Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube 

In this episode of Lender Lounge with Kevin Kim, Mike Hoffman, CEO and President of Longhorn Investments, joins Kevin to share his journey into private lending and the growth of Longhorn Investments. Starting from a background in law with no real estate experience, Mike stumbled into the world of hard money lending during the 2008 financial crisis. He shares the origins of Longhorn Investments, its expansion beyond Texas, and the unique challenges of building a successful private lending business. Mike also discusses how the company adapted to market changes, including the decision to start a fund and the impact of institutional competition on their strategy. The conversation dives into the nuances of operating in multiple states, the challenges of raising capital, and the importance of maintaining a solid relationship with investors. Tune in to hear Mike's insights on navigating the evolving private lending landscape, maintaining discipline, and his perspective on future opportunities.   Bullet Points: [00:00:37] Introduction of Mike Hoffman and Longhorn Investments. [00:01:00] Mike's unconventional entry into the lending industry. [00:02:11] Early challenges and learning about hard money lending. [00:03:12] Transition to a fund model and challenges of raising capital. [00:07:00] Expansion strategy to other states and diversifying investments. [00:10:02] Evolution of the Texas market and branching into the Midwest. [00:14:00] Adjusting business strategy to handle increased competition. [00:21:03] Importance of maintaining investor relationships and discipline. [00:28:20] Discussion on institutional partnerships and capital raising. [00:33:57] Mike's perspective on selling notes and loan servicing. [00:38:58] The potential and challenges of securitization in private lending. [00:43:33] Maintaining a single fund strategy versus multiple funds. [00:47:00] Hiring and team development for scaling a lending business. [00:52:22] Focus on growth, new products, and strategic planning for the future. Links: Learn more about Longhorn Investments at https://www.longhorninvestments.com/ Learn more about Geraci Law Firm at https://www.geracilawfirm.com Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube

In this episode of Lender Lounge, Kevin Kim welcomes back Ben Fertig. Ben is the founder and President of Constructive Capital, the leading national capital provider for DSCR Rental Loans and Residential Transitional Loans (RTL or Fix and Flip Loans). Prior to Constructive, Ben led Credit and Asset Management at Finance of America Commercial; and, before that, he served as Chief Operator Officer of Jordan Capital Finance, where he managed originations, credit policy, and capital markets. Ben was instrumental in the sale of the Jordan Capital Finance platform to Blackstone and Finance of America in 2017. Ben began his Mortgage Banking career over 25 years ago and has served in a Senior Leadership role in the Residential Investor Loan Market since 2012.   Ben delves into the rapid growth of Constructive, highlighting the company's journey from its inception in 2017 to becoming a nine-figure monthly producer. The discussion covers key milestones, strategies for risk management, the importance of capital diversification, and how Constructive navigated the challenges posed by the COVID-19 pandemic and subsequent market volatility. Ben also shares insights on leadership, the impact of economic cycles on the lending industry, and the increasing importance of managing fraud and maintaining solid client relationships in today's market.   Bullet Points:   [00:00:50] Introduction of Ben Fertig and Constructive Capital. [00:03:59] Key milestones in Constructive's growth from 2017 to 2021. [00:05:54] Strategies for risk management and capital diversification. [00:08:27] Impact of COVID-19 on Constructive's operations and market conditions. [00:11:02] Constructive's decision to partner with a life insurance company for stable capital. [00:14:57] Managing a lean team and maintaining high production levels. [00:20:11] The importance of client relationships and operational efficiency. [00:28:30] Challenges in the current lending market, including fraud and market volatility. [00:37:41] Technological tools and processes used by Constructive to maintain efficiency. [00:45:55] The impact of rising interest rates and economic uncertainty on loan performance. [00:53:09] Discussion on fraud issues and the need for industry-wide solutions. [01:00:24] The potential for regulatory challenges in the private lending space.   Links: Learn more about Constructive Capital at https://www.constructiveloans.com Learn more about Geraci Law Firm at https://www.geracilawfirm.com Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube

In this concluding episode of Season 4, Kevin Kim reflects on the insights gained from our guests and addresses common questions from our listeners, particularly those new to private lending. Kevin discusses licensing for private lenders, emphasizing the variation in requirements across states and the importance of compliance and understanding securities laws, even when raising funds from family and friends. He also explores the challenges and opportunities of raising capital from international investors and the intricacies of fractionalized loans. He shares his observations on the entrepreneurial spirit, discipline, and focus he witnessed in interviews throughout the season. Kevin highlights the importance of adding value to the marketplace, creating a strong team culture, and maintaining financial discipline to ensure the longevity and success of your private lending business.   Kevin Kim leads Geraci LLP's corporate & securities practice. His expertise lies in fund formation, private placements, and other securities offerings for private lenders, real estate developers, and investors of all sizes. Kevin is also the lead instructor for the American Association of Private Lender (AAPL)'s Certified Fund Manager courses, where he teaches mortgage fund managers throughout the United States on fund management and securities laws. And, of course, he hosts the Lender Lounge with Kevin Kim podcast.   Key Topics:   [00:01:30] Kevin answers frequent questions he receives as a private real estate lending lawyer specializing in corporate and securities law [00:01:40] FAQs on licensing in private lending [00:04:13] FAQs on raising money from family and friends [00:06:20] FAQs on raising money from international investors [00:08:05] FAQs on fractionalized/co-lending/multi-beneficiary loans  [00:10:45] FAQs on being successful in private lending [00:14:40] Kevin talks highlights and takeaways from Season 4 of Lender Lounge  [00:16:22] Embodying the entrepreneurial spirit in private lending [00:20:46] Maintaining focus and discipline in business operations [00:24:02] Cultivating a positive and value-driven team culture [00:25:55] Positivity in the marketplace today   Links   Learn more about Geraci Law Firm at https://www.geracilawfirm.com Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube

Beth O'Brien, a dynamic leader and innovator in the private lending industry, joins Kevin Kim on this episode of Lender Lounge. With her rich background in law, real estate, and securitization, Beth currently spearheads Encore Finance Capital. Her journey encompasses an impressive trajectory from working at renowned institutions like Goldman Sachs and Citi to pioneering her own private lending ventures. Beth's strategic insight and deep understanding of the residential and commercial real estate sectors empower her vision at Encore. This conversation expands on the nuances of private lending, the challenges of market volatility, and the evolution of securitization in private lending. Beth O'Brien is the founder and CEO of Encore Finance. She has over 30 years of experience in almost every aspect of the mortgage industry, as both a principal and an advisor. She has overseen more than $25 billion in transactions and has won numerous industry awards. Beth previously founded CoreVest, serving as CEO and growing the company into the nation's premier private real estate lender. Before that, Beth was Executive Vice President at Auction.com, where she ran residential capital markets, and was President and Co-Founder of AuctionFinance.co. Beth also held prior positions in RMBS trading and securitization at Citigroup and in Real Estate Private Equity at Goldman Sachs. Beth holds degrees from the University of Pennsylvania and Georgetown University Law Center.     Key Points   [00:01:00] Beth's journey from lawyer to private lender [00:03:35] Pioneering institutionalization in private lending and the evolution of the market [00:05:59] Encore's approach to lending [00:07:09] The importance of discipline and consistency in lending practices [00:10:06] Encore's involvement in construction lending, especially in the build-to-rent space [00:14:01] Beth's motivation for re-entering the private lending market [00:16:16] The challenges and strategies in securing the right capital partners [00:20:38] Insights into the entrepreneurial mindset and the decision-making process [00:22:35] Finding alignment with capital partners rather than focusing solely on control [00:29:30] The current state of capital sourcing in private lending [00:33:46] Anticipation and impact of rated securitizations in private lending [00:37:10] Potential benefits of rated securitizations for the investor base [00:39:32] Market trends and the resurgence of specific loan types [00:44:13] Future outlook of the private lending market [00:47:07] The growing interest in workforce housing and revitalization of neighborhoods [00:51:28] Challenges in financing multifamily properties and the current state of the market Links   Learn more about Encore Finance at https://www.encorefinance.com/ Learn more about Geraci Law Firm at www.geracilawfirm.com Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at www.geracilawfirm.com/lender-lounge-podcast Subscribe to the Geraci Law Firm newsletter at www.geracilawfirm.com/sign-up Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube

Adham Sbeih is an exemplary leader in the private lending industry. As CEO of Socotra Capital, he has built the company to a team of 33 and roughly $500 million in capital distributed across four funds, positioning it as a dynamic lender and trusted partner for their clients. In this episode, Kevin Kim and co-host Nema Daghbandan sit down with Adham to discuss where his lending journey began, the inception of Socotra, and his thoughts on business strategy, team culture, and training security dogs! Adham's roots are "all world." His parents met in Beirut where his mother was working for the Red Cross and his father, a recent Yale graduate, was working as an engineer. They moved to Palo Alto, and then later to Roseville. Adham went to Oakmont High School and later Sacramento State University. He was a 4-time national cycling champion including winning the2000 Olympic Cycling Trials. In 2003, he started working for Five Star Bank as a business development officer and then later FCI Commercial Capital as a commercial real estate lender. Adham began working on the creation of Socotra Capital in 2007 in anticipation of the credit crunch. He was Toastmaster of the Year in 2008 and past President of his Toastmasters Club. Adham is on the Sacramento Zoo Board of Directors, and he is an active supporter of the Crocker Art Museum and has been a member of the Director's Circle. Adham's family values and core beliefs make him a champion in all aspects of life, be it at home, on the bike, racing even now, or in making deals at the office. Key Topics [00:01:38] An overview of Socotra Capital and Adham's professional background [00:09:18] The inception of Socotra Capital during a casual dinner discussion [00:17:05] Socotra Capital's expansion strategy [00:19:53] Prioritizing collective accomplishments over individual recognition [00:24:19] Emphasizing detailed performance tracking to drive business efficiency [00:32:46] Embracing their "Hard Money" identity with pride and humor [00:35:32] How Socotra Capital's sales-driven approach evolves with constant 1% improvements [00:44:45] Valuing autonomy and direct investor benefits over debt reliance [00:48:45] Strategic acquisition of Herzer Financial to diversify into residential construction finance [00:51:13] Crafting a future-proof business by empowering the next generation of company leaders [00:54:20] Adham's passion for training Belgian Malinois dogs [00:59:54] Leveraging Toastmasters to master the art of public communication Links Learn more about Socotra Capital at https://socotracapital.com Learn more about Geraci Law Firm at https://www.geracilawfirm.com Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube

In this episode, Kevin Kim engages in a dynamic conversation with Matt Podesto and Brock VandenBerg, two successful private lenders who have taken the leap into fund management. From the early days of local hard money lending to the influx of institutional capital and white label programs, our guests provide valuable insights into the changing landscape and how it has affected the present. They emphasize the importance of proper underwriting and servicing while cautioning against entering new transactions without sufficient knowledge. Matt and Brock also share their invaluable personal experiences, mistakes made, and lessons learned, offering an inside look into their journeys. They dive into the challenges of scaling a lending business, the significance of segmenting functions, the importance of choosing the right partners, and the need for good service and ethical lending practices in the industry. Get ready to dive deep in this captivating episode of Lender Lounge. Brock VandenBerg established TaliMar Financial in response to elevated uncertainty within the banking industry and to provide an innovative alternative to the restrictive practices of traditional lenders. With more than 14 years of experience in real estate finance, Mr. VandenBerg has earned the trust and respect of a strong network of clients and business partners. Mr. VandenBerg's experience includes serving as Vice President of KeyBank's Private Equity Group, where he assisted in funding more than $200 million in mezzanine debt and joint equity investments, and three years with the FDIC, where he supervised the orderly dissolution of failed financial institutions and was responsible for the sale of more than $500 million in performing and non-performing loan assets on behalf of the FDIC. Matt Podesto has been involved in real estate since 2016, where he initially partnered with other investors to fix and flip properties throughout Texas. In 2018, Black Label Capital was founded to deploy personal capital on the side as a true private lender while still being involved in renovations. After gaining the attention of several investors, Black Label Capital eventually evolved into a day-to-day operation deploying personal and investor capital. As the CEO and Fund Manager, Matt manages the debt fund, asset management, loan sales, construction draws, marketing, capital raising and investor relations. Matt is also a former U.S. Marine Corps Scout Sniper, serving several combat deployments overseas, until being Honorably Discharged in 2009. Matt continued his service overseas for the next 7 years, providing Diplomatic Security for the U.S. Department of State, and most notably serving on the U.S. Ambassador's Protective Detail in both Iraq and Afghanistan.   Bullet Points [00:03:11] Matt and Brock explore their entrepreneurial journeys [00:05:19] A lottery winner's successful transition into private lending [00:13:18] High net worth individuals and private lending strategies [00:17:50] Strategies for segmenting business, outsourcing specialized aspects, and employing knowledgeable people [00:21:28] Local lenders are adapting and thriving against growing national competition [00:25:02] Recent transformations in private lending shifting focus from hard money lending to diverse practices [00:29:57] Texas's lending landscape [00:31:42] Borrowers' increasing need for private lenders to fulfill specific requirements [00:36:10] Exploration of capital management, loan strategies, nationwide scalability, and market and portfolio construction [00:41:39] Investors uniting and transitioning seamlessly into a fund model [00:43:23] Successful fund launch with trustee investors and accomplished transition [00:49:16] Wisdom and advice for newcomers to the lending industry [00:53:50] Friendly competition, abundance mindset, camaraderie thriving in the industry   Links Learn more about Black Label Capital at https://blacklabelcapital.com/ Learn more about TaliMar Financial at https://www.talimarfinancial.com/ Learn more about Geraci Law Firm at https://www.geracilawfirm.com Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube

The leadership at Geraci LLP collectively has decades upon decades of private lending industry experience. For this episode, Kevin asked Geraci's seasoned professionals to offer their foresight into the private lending industry for 2024 – what does the industry need to know as we head into the new year? Kevin and the Geraci team explore anticipated economic trends, such as preparing for potential litigation challenges and strategizing for effective hiring in the evolving market landscape. They also delve into innovative lending practices tailored for the year ahead, emphasizing the necessity of rigorous risk management, stringent compliance protocols, and more. This episode features Anthony Geraci, Nema Daghbandan, Melissa Martorella, Dennis Baranowski, Jennifer Young, and Steven Ernest.   Key Topics [00:01:20] Litigation and bankruptcy predictions [00:03:25] The continuation of trends from 2023 [00:05:23] Recession predictions and the likely persistence of high-interest rates [00:06:48] The shift toward balance sheet lending and the necessity for creative loan structures [00:08:45] The importance of proper loan underwriting and compliance [00:13:08] Managing business risks and capital demands [00:17:13] Advice for new market entrants in private lending   Links Learn more about Geraci Law Firm at https://www.geracilawfirm.com Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube

For this episode, our host Kevin Kim welcomes industry experts Erica LaCentra and Rocky Butani for a deep dive into the nuanced world of private lending marketing. They highlight the importance of industry conferences and share insights on how emerging companies and entrepreneurs can smartly use marketing to stand out in a crowded field. With a focus on the power of content marketing, targeted email campaigns, and maintaining transparent communication in challenging times, Erica and Rocky offer strategic tips for building brand recognition, nurturing relationships, and succeeding at industry conferences. Settle in as these industry-known marketing experts delve into the practical and technological facets of marketing within the private lending sector. Erica LaCentra is the Chief Marketing Officer at RCN Capital, one of the largest direct private lenders in the United States. She is responsible for planning, developing, and implementing RCN Capital's strategic marketing plan. Since joining RCN in 2013, her efforts have rapidly expanded RCN's customer base and elevated the company to a national brand. Rocky Butani is the Founder and CEO of PrivateLenderLink.com, a site where brokers & investors find direct private lending companies, and learn valuable insights into private lending. He founded the company in 2010 and has developed relationships with hundreds of companies in the private lending industry.   Bullet Points [00:04:37] Marketing tips for small lending companies [00:10:38] Website, CRM, consistency crucial for marketing success [00:13:21] Marketing is becoming more technical and data-centric [00:20:02] Email marketing, drip campaigns, content marketing, outreach [00:24:07] Valuable content marketing and email marketing [00:32:51] Purposeful marketing is essential for success [00:35:52] High volume of content that lacks value and purpose confuses your audience [00:45:05] Who excels in marketing and why [00:48:50] Business development and conference attendance [00:54:29] Marketing and branding help establish credibility, leading to successful in-person networking and deal closures at conferences [01:01:29] Networking events essential for resources and connections   Links Learn more about RCN Capital at https://rcncapital.com/ Learn more about Private Lender Link at https://privatelenderlink.com/ Learn more about Geraci Law Firm at https://www.geracilawfirm.com Subscribe to the Lender Lounge newsletter for episode notifications and exclusive content at https://www.geracilawfirm.com/lender-lounge-podcast Subscribe to the Geraci Law Firm newsletter at https://www.geracilawfirm.com/sign-up Follow Lender Lounge with Kevin Kim on LinkedIn and YouTube