2015 Annual Conference& Exhibition

November 8-10, 2015 | Caesars Palace

CONFERENCEPROGRAM

AAPLConference.com #AAPLAnnual

CAPSTONEFunding Group

CFG

Note BuyerActively build your own real estate note portfolio purchasing assets directly from us. We offer a variety of assets to help you meet your passive income goals.

Private LenderYou benefit from predictable passive returns and consistent monthly income. Plus, your investment is secured by real assets.

Stop By the CapstoneFunding Group Booth to

Learn More. Or Visit:CapstoneFundingGroup.com

Key Ways To Generate Passive Income With Capstone Funding Group

Which Investor Are You?

Fund InvestorAs an accredited investor, you provide the capital, we do all the work. Participate with our team of experts in a purely passive investment vehicle. Shared Risks. Shared Rewards.

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www.hiscapitalgroup.com

PeerStreet is the leading marketplace-lending

platform for real estate debt, allowing investors

to easily invest in high-yield real estate loans

that were historically very difficult to access.

PeerStreet is secure and intuitive with an easy-

to-use interface. Now, participating in these

deals is as simple as buying stocks. Just fund

your account and select your investments.

A better deal for everyone.TM

Leveling thePlaying Field

PeerStreet is a marketplace for investing in real estate backed loans.

PeerStreet.com

Accelerate your path to passive income... The 3rd Annual Note Investor Summit LIVEJanuary 20-23, 2016 | San Diego, CA

Connect with 300+ High Level Real Estate & Note Investors.

Learn.•How to Diversify with Notes

•How to Quickly Analyze a Deal•How to Create “Win–Win” Workouts

Engage.•What’s Working Now Panel Discussions

•Recent, Real & Relevant Case Studies•Meet the Right People & Service Providers

Profit.•How to Structure Tax–Free Deals

•How to Become Magnetic to Capital•How to Streamline the Note Buying Process

...And Much, Much More.

Stop By the CapstoneFunding Group BoothOr Register Today at:

NoteInvestorSummit.com

4 FULL DAYS of NOTE-INVESTING KNOW-HOW

Use Promo Code”AAPL15”

for Discounted Pricing

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PROGRAM DETAILS: • Eligible Borrowers: Private Lenders and Investment Funds • Eligible Collateral: 1-4 Family Non-Owner Occupied Residential

Investment Properties • Maximum Account Size: $50 Million • No Up-Front Fees • Advance Rates Up to 90% • No Personal Recourse • No Cross-Collateralization

Roc Lending is solely in the business of providing capital to Private Lenders. We have a dedicated team ready to handle your order flow, from origination to construction draws to payoffs. We’re not just a capital provider, we’re your dedicated back office. Less capital raising, more originating. Elevate your return on capital with Roc.

“ Roc has been paramount in helping us grow. They table fund our loans with a higher advance rate than any bank. They have a dedicated team on call to process and approve construction draws and payoffs. With Roc, we can focus on making loans instead of raising money.”

—David Hansel, President, Alpha Funding Solutions

I N T R O D U C I N G

C A P I T A L P R O V I D E R

F O R P R I V A T E L E N D E R S

Contact us at info@roclending.com or call 212-607-8314

Learn more at www.roclending.com

40 West 57th Street New York, NY 10019

Roc Lending is a subsidiary of Roc Capital Holdings LLC.Elevate your return on capital with Roc

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FOCUS...ON YOUR CORE BUSINESS and let us handle your accounting.

Get virtual accounting solutions for private lenders, mortgage pools, and real estate firms tailored to your specific needs.

You’ll have accurate and up-to-date financial information on demand. Your sensitive data is always confidential and secure.

www.RollinsConsultingGroupLLC.com or 386-562-3016

Cal l RCG

Today

FCI NMLS # 4920 FCI DRE # 01022780

Call us: (800) 931-2424 x203 www.trustfci.com

Most Loans

Loan Sub Servicing $15 mo/inv.

FCI LENDER SERVICESFCI LENDER SERVICESAlso Available: FORECLOSURE PROCESSING & COORDINATION

SPECIALTY LOAN SERVICING FOR DELINQUENT LOANS

REO MANAGEMENT SERVICES

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VETERANS DAYWe Salute You

Want to competein the big leagues?

Increase productivity and accuracy

Used by countlessAAPL members

BRE, RESPA, and CFPB compliant

Service multi-lenderloans or pools

Online investor access 24/7

Enhanced reportingand forecasting

Automate budgetand draw processfor rehab loans

Handle ARM,Construction,and CommercialLoans

Automate paymentdistribution

Built in Trust Accounting

Attract more investors

The Mortgage Office can help you get there. Here’s how:

800.833.3343 | themortgageoffice.com

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MAKE YOUR CAPITAL GO FARTHER.

Discover the crowdfunding platform everyone is talking about. Scale your business by

partnering with Patch of Land.

©Patch of Land Lending, LLC, a subsidiary of Patch of Land, Inc., is the originator and lender of record. NMLS#1286539; CFL License 60DBO-45420; Oregon Mortgage Lender License #5384. We currently lend in all states except for the following: AZ, NV, SD. Origination fees and other fees may apply. This is not an offer to

lend. Any financing will be subject to a credit evaluation, approval of the subject property, and other restrictions. Terms and conditions are subject to change.To qualify, a borrower must meet our underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must meet certain conditions. Your actual

rate will depend on a variety of factors. Rates and Terms are subject to change at anytime without notice.

888-503-0263

info@patchofland.com

patchofland.com

GET STARTED TODAY! SPEAK TO ONE OF OUR SPECIALISTS OR VISIT US ONLINE:

MEET YOUR HOSTS

MATT BENSON EXECUTIVE DIRECTOR

MIKE WRENN CEO

EDDIE WILSON PRESIDENT

LINDA HYDE DIRECTOR OF OPERATIONS & MEMBER SERVICES

CHRISSEY BREAULTDIRECTOR OF MARKETING & EDUCATION SERVICES

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meet the nation’s go to attorney for private lenders.

With over 20 years’ experience in the private lending industry, Jon Hornik has earned the respect of both borrowers and

lenders alike. Mr. Hornik currently represents and advises many nationwide private lenders. His expertise includes:

•Closing private money deals •Licensing requirements •Usury •Predatory lending •Underwriting •Structuring

•Private placements

Jon Hornik, Partner

732.409.1144 | www.lhrgb.com

“Creativity is intelligence having FUN!” - Albert Einstein

More 2014 memories can be found at Facebook.com/AAPLonline!

Memories captured by:

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Capital Provider for Private Lenders

Product Details:Eligible Loan Receivables secured by:Single family, multifamily, small balance CRE

Amount: $10 - $75 million

Limited “bad boy acts” guaranty

Locations: Nationwide

Lien Positions: First liens

Term: 3 - 5 years

Eligible Borrowers:Investment funds, bridge lenders, family offices

Taylor Osborn TOsborn@BofI.com 858-764-2902

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November 13-15, 2016Caesars Palace, Las Vegas

AAPLOnline.com

pre s ent s

7th AnnualCONFERENCE & EXHIBITION

SAVE THE DATEpre s ent s

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Powerful “Think Time” with Industry Experts

TIM ROODFounder,

The Collingwood Group

ERICABRAMOVICHCo-Founder,Roc Lending

DOUG COCHRANESVP, Acquistions &

Underwriting, Patch of Land

JIM BEAMPartner,

RebeccaRice & Associates

ROBERTBUCHANAN

Managing Partner,Pride of Austin

Capital Partners

TOMBRAEGELMANN

CEO,GCA Equity Partners

JON HORNIKFounding Partner,LaRocca, Hornik,

Rosen, Greenberg & Roca

EDDIE WILSONPresident,

Affinity Enterprise Group

CARRIE COOKCEO,

Preferred Trust Company

NEMADAGHBANDAN

Associate Attorney,Geraci Law Firm

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KELLEN JONESPresident,

FundingDatabase.com

KEVIN KIMAssociate Attorney,

Geraci Law Firm

JOHN HELMICKCo-Founder & CEO,

Gorilla Capital

BRETT IMMELSenior Partner,Growth Equity

Group

WALT HIGGINS IIManaging Partner,Summit & Crowne

Partners

MIKE HANNAOwner,

Investmark Mortgage, LLC

MARC HEENANHead of

Commercial Origination & Asset

Management, PeerStreet

AARONHALDERMAN

Senior Partner,Capstone Funding

Group, Inc.

ANTHONY GERACIPrincipal,

Geraci Law Firm

ABHI GOLHARManaging Partner,Summit & Crowne

Partners #RealEstateDealTalk

See this mark? That indicates members of AAPL’s Ethics Advisory Committee.

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DONNA KREISLERChief Operating

Officer,Peak Corporate

Network

JEFFREY LEVINPresident,

Specialty Lending Group

RICK MELEROCo-Founder,

HIS Capital Group

BENSON MILLERGeneral Legal

Counsel,Cache Private

Capital

SCOTT LISMANDirector of Mortgage

Rediscount, CapitalSource

JJ PAWLOWSKIOwner/Manager,

Kansas City Investor Funding, LLC

DAVID OWENSr. Managing

Member,A-List Partners Management

SUSAN NAFTULINCo-Founder,

Rehab Financial Group, LP

AJ POULINVP of Sales,

Applied Business Software (ABS)

REBECCA RICEFounder,

RebeccaRice & Associates, LLC

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The best part of learning is sharing what you know.

See this mark? That indicates members of AAPL’s Ethics Advisory Committee.

JOSH STECHFounding Partner,

LendingHome

MATTHEWSULLIVANFounder,

Crowdventure.com

MAKSIMSTAVINSKY

Co-Founder, Roc Capital

SUNEET SINGALPrincipal, First

Capital Real Estate Investments

BELINDA SAVAGEBusiness

Development,IRA Services Trust

Company

SALVATORE SALZILLO

SVP & Group Head ,Lender Finance at BofI Federal Bank

SHAWN WOEDLVice President,National Real

Estate Insurance Group

JEFFREY TESCHManaging Director,

RCN Capital

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SPEED NETWORKINGFOR LENDERS, INVESTORS & SERVICE PROVIDERS

With energy and enthusiasm, AJ Poulin, VP of Sales, Applied Business Software (makers of The Mortgage Office), will host a speed networking event to help you connect with everyone in the room! Bring your business cards, questions, smile and elevator pitch. You will meet investors, brokers, lenders, and service providers to help you achieve your goals!

Expand your Network - FAST

New Contacts Every Few Minutes

Maximize your Time

Accelrate your Networking

Meet Face-to-Face with Propective Clients, Partners & Referrals!

Monday, November 9, 2015

4:00 - 5:00 p.m.

Caesars Palace - Promenade Level

All Conference Attendees Welcome!

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You are here

PR

OM

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AD

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EV

EL

SCHEDULE OF EVENTS

SUNDAY, NOVEMBER 8

MONDAY, NOVEMBER 9

TUESDAY, NOVEMBER 10

9:00 a.m. - 5:00 p.m.

9:30 a.m. - 12:00 p.m.

1:00 p.m. - 5:00 p.m.

6:00 p.m. - 8:00 p.m.

7:30 a.m. - 5:30 p.m.

7:30 a.m. - 7:00 p.m.

8:45 a.m. - 9:00 a.m.

9:00 a.m. - 10:00 a.m.

10:15 a.m. - 12:30 p.m.

12:30 p.m. - 1:30 p.m.

1:30 p.m. - 4:00 p.m.

4:00 p.m. - 5:00 p.m.

5:30 p.m - 7:00 p.m.

7:30 a.m. - 5:00 p.m.

9:00 a.m. - 10:00 a.m.

10:15 a.m. - 11:15 a.m.

11:15 a.m. - 1:00 p.m.

1:00 p.m. - 4:30 p.m.

4:30 p.m. - 5:00 p.m.

*The Certified Private Lender Association and Certified Fund Manager Classes require separate registration and are only available to AAPL members.

Certified Private Lender Class*

Certified Fund Manager Class*

Exhibitors’ Check-In & Set-Up

AAPL VIP Reception

(invitation only)

Attendee Check-In Open

Exhibitors’ Hall Open

Opening Remarks

Keynote Address

Conference Sessions

Lunch Break

Conference Sessions

Speed Networking

Networking Reception

Exhibitors’ Hall Open

Feature Speaker Presentation

Conference Sessions

Lunch Break

Conference Sessions

Conference Wrap-Up

The American Association of Private Lenders (AAPL) and its related affiliates (including but not limited to: AGM, AEG, NREIG, Caesars Palace) and all co-sponsors will not be held liable for any and all manners of action, suits, damages or claims whatsoever arising from any loss, damages, or claims to persons or property during the conference.AAPL reserves the right to take action to members that fail to comply with the AAPL Code of Ethics. Management reserves the right to make final interpretation of all rules.

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PRE-CONFERENCE | SUNDAY, NOVEMBER 8AAPL is dedicated to educating its members and having relevant designations is one way to increase your credibility, knowledge, and success.

WHEN? WHAT? WHO? WHERE?

9:00 a.m. - 10:00 a.m.Private Lending-Loan Underwriting

Robert Buchanan Florentine III

10:15 a..m.- 11:15 a.m. Loan Servicing & CollectionsKellen Jones & Benson Miller

Florentine III

11:30 a.m. - 12:30 p.m.Federal Private Lending Compliance

Nema Daghbandan Florentine III

12:30 p.m. - 1:45 p.m. Lunch Break

1:45 p.m. - 2:45 p.m.Commercial & Residential Loan Documentation

David Owen & Nema Daghbandan

Florentine III

3:00 p.m. - 4:00 p.m.Mortgage Pools and Fractional Whole Loan Sales

Kevin Kim Florentine III

4:15 p.m. - 5:00 p.m. AAPL Code of Ethics Nema Daghbandan Florentine III

9:30 a.m. - 12:30 p.m.Mortgage Pool Fundamentals

Anthony Geraci& Kevin Kim

Florentine IV

1:00 p.m. - 5:00 p.m. Exhibitor Check-In & Set-Up AAPL & Caesars Palace Florentine IV

6:00 p.m. - 8:00 p.m. VIP Reception AAPL Members & Sponsors

The LINQ High Roller Wheelhouse

Certified Private Lender Associate Designation Courses

Certified Fund Manager Designation Courses

Other Activities

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DAY 1 | MONDAY, NOVEMBER 9Learn how to build, manage, and grow a successful private lending team with help from our industry experts.

WHEN? WHAT? WHO? WHERE?

8:45 a.m. - 9:00 a.m Opening Remarks Eddie Wilson Florentine I & II

9:00 a.m. - 10:00 a.m.Keynote Address: Housing Outlook2016: A Washington View

Tim Rood Florentine I & II

10:15 a.m. - 11:15 a.m.Building a Timeless Brand for Your Business

Eddie Wilson Florentine I & II

Don’t let the Market Cycle DictateYour Life Cycle

Rick Melero Florentine III

5 Winning Strategies to DominateYour Next Deal

Abhi Golhar& Walt Higgins II

Florentive IV

11:30 a.m. - 12:30 p.m. Raising Capital & Deploying it EfficientlyNema Daghbandan& Kevin Kim

Florentine I & II

Funding Commercial & Residential Hard Money Foreclosures

Jeffrey Tesch, Gene Clark

Florentine III

How to Avoid the 21 Mistakes Borrowers Make When Working with Hard Money Lenders

JJ Pawlowski Florentive IV

12:30 p.m. - 1:30 p.m. Lunch (on your own)

1:30 p.m. - 2:30 p.m. Re-Thinking Mortgage with Technology Josh Stech Florentine I & II

Championing Ethics: Industry Viewpoint

Mike Hanna, Susan Naftulin, Nema Daghbandan, Kellen Jones, Jeffrey Tesch

Florentine III

The 13 Insurance Myths for the Real Estate Investor

Shawn Woedl Florentive IV

2:45 p.m. - 3:45 p.m. Crowdfunded Lending: Fad or Future? Doug Cochrane Florentinve I & II

How to Upscale Your OperationEric Abramovich & Maksim Stavinsky

Florentine III

How to Leverage your Lending DollarsRebecca Rice &Jim Beam

Florentive IV

4:00 p.m. - 5:00 p.mDiversify your Investment Portfolio:Learn How to Make Money 3 Wayswith One Investment Vehicle

Brett Immel Florentine I & II

. Speed Networking A.J. Poulin Hallway

5:30 p.m. - 7:00 p.m. Networking Reception Everyone! Roman I-IV

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DAY 2 | TUESDAY, NOVEMBER 10We know it’s Vegas and you are having fun, but don’t foget we are here to expand your capabilities, find your inspiration, and build on your success...and we don’t mean at the Blackjack table!

WHEN? WHAT? WHO? WHERE?

9:00 a.m. - 10:00 a.m.Getting Hard Money DealsDone in 2015 Jon Hornik Florentine I & II

10:15 a.m. - 11:15 a.m.Private Lending: Where is the Industry Heading?

Jeff Levin, Jeff Tesch, David Owen,Eric Abramovich

Florentine I & II

How to Build your Passive Income Investing in Real Estate Notes

Travis Tollestrup Florentine III

Raising Capital and Lending Dos and Don’ts: A Practical Guide

Kevin Kim,Nema Daghbandan,Robert Buchanan

Florentive IV

11:15 a.m. - 1:00 p.m. Lunch (on your own)

1:00 p.m. - 2:00 p.m. Alternative Funding for Fix and Flip John Helmick Florentine I & II

Creative Disruption: Adapting to Change in Evolving Real Estate Markets

Tom Braegelmann, Suneet Singal, Matthew Sullivan

Florentine III

The Perception of Entrepreneurial Genius: Unlocking a Seat at the Table

Susan Naftulin, Belinda Savage, Carrie Cook, Donna Kreisler

Florentine IV

2:15 p.m. - 3:15 p.m.Crowdfunding and Marketplace Lending: A New Source of Capital

Marc Heenan Florentinve I & II

Bank Financing for Private Real Estate “Fix and Flip” Lenders

Salvitore Salzillo, Florentine III

Make your Lending Dollars Do Triple Duty

Rebecca Rice &Jim Beam

Florentive IV

3:30 p.m. - 4:00 p.m. Conference Wrap-UpMike Wrenn& Matt Benson

Florentive I & II

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MONDAY, NOVEMBER 9

SESSION DESCRIPTIONSAAPL is dedicated to educating its members and having relevant designations is one way to increase your credibility, knowledge, and success.

KEYNOTE | Housing Outlook 2016: A Washington View

In his keynote address, The Collingwood Group Chairman Tim Rood, will discuss the state of the US housing finance industry. His presentation will include an update on Fannie Mae and Freddie Mac today, new entrants, and an analysis of the key players in Washington, their priorities, and considerations for reform in 2016 and beyond.

Building a Timeless Brand for Your Business

When it comes to your company one of the most important things that you deal with is your Brand. This is also one of the most over used words in the corporate work place today. It has become a catch phrase. Your brand is what your customer perceives you to be when they walk away from an experience with you. Yes it is your logo and aesthetics, but even more than that it is the experience of the customer. This session will deal with how to build and maintain a brand correctly.

Don’t Let the Market Cycle Dictate Your Life Cycle

The rhythm of cyclical fluctuations in the economy has followed similar patterns since the dawn of America. As a result, the approaches and strategies used to thrive during lean economic times has been relegated to those that have become students of history; as lenders and investors performance across asset categories typically rotates in line with different phases of each cycle. Critical facts about our economic history and key indicators that have followed the trends of each cycle will dictate your chances of withstanding the next storm.

5 Winning Strategies to Dominate Your Next Deal

Join Abhi Golhar & Walt Higgins II as they discuss the five steps to dominate real estate deals plus how you can build a successful real estate team. Stick around to hear real life examples of a new construction deal and lot development before they open up to answer your questions.

Raising and Deploying Capital Efficiently Nationwide

Discussion on the various securities regulations that lenders must be aware of when raising capital from investors to fund loans; and in buying, selling trust deed investments. How to fund loans efficiently in all 50 states using investor capital.

Funding Commercial & Residential Hard Money Foreclosures

Aside from finding the right property, one of the most difficult aspects of purchasing commercial and residential foreclosures is finding financing. In this panel, top lenders from around the country will delve into what funding options are available for foreclosures and discuss what trends are affecting the foreclosure market and how you can use those trends to your advantage.

How to Avoid the 21 Mistakes Most Borrowers Make When Working with Hard Money Lenders

Smooth Processes, Fast Transactions and a Problem-Free Experience: Most seasoned investors understand that financing is one of the most crucial aspects of investing, and while some investors are exclusively cash buyers, most investors will want or need to seek out a loan at some point. Hard money lenders fill a void in the lending business and make loans to investors that many other financial institutions won’t make, but it’s critical for real estate investors to know how to avoid the mistakes that most borrowers make when working with hard money lenders.

Re-Thinking Mortgage with Technology

Today’s post-recessionary mortgage market is begging for technological innovation. Traditional banks don’t have the incentive nor flexibility to rise to the challenge. Millennials, the next tidal wave of borrowers, are fed up with the status quo. Nearly half are counting on tech start-ups to overhaul the way banks work and 73%

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would be more excited about a new offering in financial services from Google, Amazon, Apple, PayPal or Square than from their own nationwide bank. They are embracing a financial services overhaul by turning to online marketplace lenders to refinance their credit cards, student and small business loans. The last domino is about to fall: home loans. LendingHome has created a tech-first mortgage marketplace to offer borrowers, brokers and lenders a transparent, speedy and fair-priced place to do business. Join LendingHome’s Founding Partner and Head of Business Development as we take a glimpse into the future of mortgage.

Championing Ethics: Industry Viewpoint

The subject of ethics holds center stage in every facet of the private lending finance chain. The American Association of Private Lenders’ Ethics Advisory Committee will explore the subjective nature of ethics, values and morals; along with how they affect our industry. During this panel discussion you will discover common predatory lending practices and their harmful effects on brokers, lenders, and clients, plus learn more about the AAPL Code of Ethics and the responsibilities and expectations of AAPL members.

The 13 Insurance Myths for the Real Estate Investor

During the presentation Shawn will cover common misconceptions about insuring your investment properties with a Homeowners Policy, as well as some of the major differences between Personal and Commercial Lability, and why “Self-Insurance” is too risky. He will also cover why cheaper is not always better for insurance, and why all policies are not created equal.

Crowdfunded Lending: Fad or Future?

Alternate lending platforms - whether for real estate, start-ups, or any other aspect of the economy - don’t appear to be going away anytime soon. We’re seeing it with more accessible, consumer-focused platforms, as well as with the most sophisticated of real estate financing. Innovation in the finance sector hit a major milestone with the passage of the JOBS Act in 2012. It has been three years since it was written into law, and two years since the SEC made a historic decision to enact Title II with Reg D 506(c), which essentially opened up new channels of communication and solicitation around private placements. At that time, a few visionary entrepreneurs launched digital platforms called ‘crowdfunding real estate portals,’ aimed at providing access to capital for real estate financing. Debt financing, private lending and hard money lending have emerged as the largest categories and continue to grow in volume. However, real estate is an industry as old as time, while crowdfunded lending, with only a few years in existence, is only in its infancy. Will this technology-enabled, in-the-cloud model turn out to be a fad, or is it, as many proponents argue, the future?

How to Upscale Your Operation

The private lending industry has changed dramatically just in the last few years. Even the name ‘Hard Money Lending’ is a misnomer for much of the volume that is originated today can be institutional in nature, if certain guidelines are adhered to and the loans are packaged appropriately. Like their unsecured counterparts, collateralized loans originated by private lenders are now coveted by the world’s largest financial institutions. In this transformational workshop, Roc will discuss methods and strategies for private lenders to capitalize on this paradigm shift. Learn about how you can take your lending business to the next level by working with institutional investors. Key topics will include underwriting framework, servicing, valuation methods, and capital raising.

Diversify your Investment Portfolio: Learn How to Make Money 3 Ways with One Investment Vehicle

Learn how you can self-direct your IRA into a TRULY self-directed IRA in which you can purchase assets such as real estate, stocks, and bonds. You’re not limited to letting your money sit in your retirement fund, take control and invest in your future.

How to Leverage your Lending Dollars

Unlike traditional savings that offer you nearly zero percent interest and only allow your money to be used in one place at a time, this financial tool allows you to make money like the financial institutions do by collateralizing your cash AND continuing to earn interest while you use other people’s money.

Learn how to make a minor adjustment in the way you think about and treat your cash and make a major impact in the bottom line of your business.

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TUESDAY, NOVEMBER 10

SESSION DESCRIPTIONSOnly an event of this caliber can bring together the most distinguished speakers and offer the most strategic breakout sessions covering the latest topics in private lending.

FEATURED PRESENTATION | Getting Hard Money Deals Done in 2015

This seminar is a must-see for anyone currently engaged in the hard money lending business. This presentation will focus on current underwriting and legal pitfalls affecting hard money loans across the country. The speaker will offer innovative structures and topical discussions from underwriting hard money loans to complying with state and federal licensing requirements, state usury laws, predatory lending concerns and obtaining legal opinions for various loan transactions. The speaker will talk about starting a private placement fund to raise money under the new 2012 Job’s Act Provisions and address the impact on the new TILA-RESPA integrated disclosure rules on commercial lending.

Private Lending: Where is the industry heading?

This panel discussion will focus on where the Private Lending Industry is today and where it is heading. Our panel of industry experts will discuss current loan products, rates, LTV’s, and industry trends. The discussion will also delve into the future regulation of Private Lending and related loan programs, as well as what the future market for our industry looks like.

How to Build Your Passive Income Investing in Real Estate Notes

Travis Tollestrup is Managing Director of Capstone Funding Group, Inc., a San Diego based real estate and note investment firm. In his presentation “Fresh Case Studies from the Capstone Funding Group Portfolio: Discover the 6 Most Common Note Investing Profit Models & Which One is Right for You,” Travis will share what’s working now, and more importantly, what didn’t work, so you can avoid those same costly mistakes and increase your passive income.

Raising Capital and Lending Do’s and Don’ts: A Practical Guide

This presentation will focus primarily on best practices and common issues faced by private lenders in two arenas: raising capital and lending. We will begin our discussion with practical and realistic suggested practices, along with some common mistakes and pitfalls. We will also present the trending issues, concerns and compliance questions and what you can do to resolve, avoid and prevent them. Our focus will be to present a practical, realistic, business-minded discussion of common legal issues faced by private lenders.

Alternative Funding for Fix and Flip

The fix and flip space has evolved drastically the last 5 years. And so have the options available to fix and flip investors when it comes to choosing a capital source. With 10 years of experience as one of the largest fix and flip operators in the nation, Gorilla Capital is now primarily funding other fix and flip investors with equity funding. Coming in with a team mentality, parameters based on ROI, hold times, and investor experience, Gorilla Capital looks to revolutionize this growing asset class and how projects are funded: fix and flip investors funding other fix and flip investors.

Creative Disruption: Adapting to Change in Evolving Real Estate Markets

The Internet has completely changed the way we do business. Whether it is Uber disrupting the transportation sector, or AirBnB revolutionizing the hospitality sector, these new business models offer radical new efficiencies. Real estate is no exception. Financing mechanisms and access to capital for all real estate asset classes are experiencing rapid changes instigated by internet based platforms. This panel will explore the impact of the internet on the real estate sector, and will discuss whether or not real estate crowdfunding will completely disrupt the way business is done for equity and debt players, large and small.

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The Perception of Entrepreneurial Genius: Unlocking a Seat at the Table

While the percentage of women at the top of major corporations have stalled for years, the number of women starting, owning and growing their own businesses is rising. One national study found that the number of women-owned businesses rose 68 percent over the past 20 years, compared to an overall growth rate of just 47 percent for all businesses. Organizations that are the most inclusive of women in top management achieve 35 percent higher return on equity and 34 percent better total return to shareholders versus their peers. Entrepreneurship lets women lead the way they want. Learn from successful female entrepreneurs how to face and overcome challenges in a “man’s” world.

Crowdfunding and Marketplace Lending: A New Source of Capital

The crowdfunding and marketplace lending industries continue to grow at an exponential rate. It’s becoming increasingly important for private lenders to better understand how these companies fit into their ecosystem. There are nuanced differences between crowdfunding and marketplace lending, but both platforms have the potential to grow a private lenders’ footprint and more efficiently run their operations. This session will address the differences between crowdfunding and marketplace lending, the benefits provided to private lenders that participate on crowdfunding and/or marketplace lending sites, whether or not these companies are here to stay and, finally, how to evaluate each platform to ensure you’re partnering with the right team.

Bank Financing for Private Real Estate “Fix and Flip” Lenders

How do bank lenders underwrite warehouse loans to private real estate lenders? Regional versus national focus? Recourse versus non-recourse structure? Does it matter if you are backed by family office/high net worth individuals versus institutional investors? Does it help to raise equity capital when the private lender has a letter of intent (“LOI”) for bank financing? This presentation will help private real estate lenders seeking to maximize their returns on equity and to ensure timely funding of their loans.

Make your Lending Dollars Do Triple Duty

Stop tying up your cash in low paying savings accounts. Learn about an asset that earns you money even as you borrow against it for your real estate investments.

This simple, but sophisticated vehicle acts like money in the bank. But it does much more for you. It frees you from needing to prove your net worth or fill out another credit form, eliminates the need for a public bank, protects your money from creditors, and pays you interest—even on the money you borrow against!

Bankers and the ultra-rich have been using this asset for generations. Rebecca Rice and Jim Beam explain how the Living Benefits of whole life insurance can be used to simplify your investing and increase your wealth. They teach you how thousands of others are using it to purchase real estate and other business assets privately and more profitably. This works for investors of any wealth level.

Take advantage of compounding to increase the ROI of your investment. With this very specific kind of life insurance you can use the same money to earn interest, borrow easily and quickly—while still growing the cash in your insurance policy, tax-free retirement income, and build substantial death benefits.

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Want to strengthenfriendships AND an industry?REFER A MEMBER TO AAPL!

Help a colleague, friend, or young professional experience the benefits of the American Association of Private Lenders membership.

By providing this offer to a future AAPL member, you are creating savings for both of you!Current members have the opportunity to receive a 10% referral fee when signing up a friend. This fee, translated into AAPLCash, can be used for membership dues, marketing services, and event attendance.

Making the right decisions has its rewards! When you are referred by a member, you will receive 20% off of any one AAPL annual membership. Ready to join?

Questions? AAPLOnline.com

EARN AAPLCASH

Vegas Program_AAPLCash Ad_Fullpage_cb.indd 1 10/22/2015 10:15:45 AM

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THANK YOU TO THOSE WHO SPONSOR & EXHIBIT

• BlackSquare• SafeGuard Business Advantage• The PIP Group• Land Gorilla• Liquid Logics• Ignite Funding• Preferred Trust• Civic Private Money Lending• Five Mile• MidAtlantic IRA• Think Realty• Colony American Finance

• Asset Avenue• Specialty Lending Group• IRA Services Trust Company• Bloomfield Capital• Superior Loan Servicing• Helix Money• Pride of Austin Capital Partners• Speigel Accountancy Corp• Community Buying Group• National Real Estate Insurance

Group• RentFax

• LoanMLS• GroundFloor• Alliled Servicing Corp• Mortgage + Care• Appraisal Nation• Kansas City Investor Funding• Thrive Lending• 5 Arch Funding• ShareStates• Private Money Lending Guide• Affinity Referral Services • GCA Equity Partners

• NAREI• Quest IRA• United Bridge Capital• Noble Capital

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