Private lenders face economic headwinds in 2025, but challenging markets create significant opportunities for those who maintain discipline and execute strategic collection initiatives. This analysis ...

Economic uncertainty creates challenges for private lenders—but also opportunities for those who act decisively. Experienced lenders understand that recessions require different strategies than boom periods. ...

California’s usury law creates a complex regulatory landscape for private lenders, with constitutional interest rate limits that would render most private loans illegal—except for carefully ...

California’s anti-deficiency statutes create powerful borrower protections that significantly limit lenders’ ability to pursue deficiency judgments after foreclosure. When lenders attempt to circumvent these protections ...

The intersection of state-legal cannabis operations and federally regulated banking has long been one of the most challenging compliance environments for financial institutions. Despite California’s ...

Economic crises create cascading effects across lending portfolios as borrowers face revenue disruptions, tenant defaults, and liquidity constraints. Private lenders must develop systematic approaches to ...

Private lenders who structure their real estate transactions through deeds of trust must give careful consideration to one often-overlooked element: the selection of a qualified ...

The January 2025 wildfires that devastated Los Angeles County prompted California lawmakers to introduce Assembly Bill 238 (AB 238), also referred to as the Mortgage ...

Economic disruptions, whether triggered by a pandemic, interest rate shocks, or broader recessionary pressures, create unique challenges for commercial mortgage lenders and their borrowers. When ...

Receiving notice that a borrower or business customer has filed for bankruptcy creates immediate uncertainty for any creditor. The process is governed by a dense ...

In wrongful foreclosure and lender liability litigation, borrower plaintiffs frequently seek cancellation of written instruments—deeds of trust, notices of default, notices of trustee’s sale, and ...

The passage of the Tax Cuts and Jobs Act (TCJA) introduced a wave of tax planning opportunities across virtually every sector of the economy. For ...