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Utah and Idaho: The Two States That Catch Every Private Lender Off Guard

A Practical Compliance Guide for Business Purpose Lenders Entering the Mountain West A private lender we recently advised had been making business purpose bridge loans on single family investment properties in both Utah and Idaho for the better part of two years without a license in either state. The client...

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A split-desk editorial on the left, a fix-and-flip term sheet with its short timeline; on the

Many private lenders build their business on fix-and-flip financing — a familiar, relatively predictable loan product with established underwriting criteria and manageable risk profiles. At ...

A private lending portfolio leverage analysis existing loan book value

For private and non-conventional lenders, maintaining consistent access to capital is essential for sustaining deal flow and growing origination volume. Market conditions inevitably shift, and ...

A 2023 mortgage fund market report spread on an analyst's desk origination volume charts

Private lending has navigated a turbulent environment since 2020, with rising interest rates, market volatility, and shifting capital flows reshaping how lenders structure and deploy ...

A rental property loan product comparison spread on a lender's desk DSCR threshold, LTV limit

Private lending continues to play a central role in rental property investment, particularly as traditional financing remains difficult for many real estate entrepreneurs to access. ...

A private lender's COVID-era portfolio recovery report modification volumes, loss rates

The COVID-19 pandemic delivered the sharpest economic contraction in modern American history, and commercial real estate absorbed much of that impact. For private lenders, fund ...

A fund formation decision tree spread on a prospective fund manager's desk the 'no' branches

Private lending continues to attract investors seeking portfolio diversification and access to yields that traditional fixed-income instruments often cannot match. As lenders look to scale ...

Seven Strategic Approaches To Lending Litigation And Loss Mitigation 2 - Geraci LLP

A common refrain at private lending conferences suggests that “nobody makes money from litigation.” This observation, while technically accurate, misses the fundamental point: litigation exists ...

The AB-1837 text beside an updated California foreclosure compliance checklist new tenant

California’s foreclosure statutes have undergone significant transformation since SB 1079 was enacted in 2020. Assembly Bill 1837, signed into law in September 2022 and effective ...

Portfolio Risk Management For Private Lenders Strategic Loan File Review In 2025s Economic Environment - Geraci LLP

Published: September 2023 | Updated: January 2025 By Geraci LLP Banking & Finance Team Executive Summary The 2025 economic landscape presents private lenders with a ...

Dramatic painterly illustration of a private fund as a ship navigating a stormy financial sea

REQUIRES HUMAN REVIEW BEFORE PUBLICATION REASON: Original content contained multiple references to former partners (Kevin Kim, Nema Daghbandan). All mentions redacted and rewritten with attribution ...

A California foreclosure injunction motion and a lender's opposition brief spread on a litigation

When a borrower defaults and a lender moves forward with a nonjudicial foreclosure, the legal landscape does not always cooperate. A disturbingly common pattern plays ...

A Regulation D debt fund compliance binder open to the offering document bad actor

Running a private lending fund requires far more than originating quality loans. The moment you raise capital from outside investors, you enter the domain of ...