Private Money Featuring Randy Reiff CEO of Firstkey Lending

P R I VAT E The Source for Real Estate FinanceFeaturing Randy Reiff, CEO 411of FirstKey Lending, LLC Special issue Exclusive interview with Tim Herriage, Managing Director of B2R Finance Leonard Rosen writes on Why Bankers Rule Plus, Insight from GCA Equity PartnersFirstKey LendingOffers Innovation Makes 30 Year Loans Available to Portfolio Borrowers



Money411PRIVATE Photo right: Tim Herriage, Managing Director for B2R FinanceContents pg.65 Tim Herriage with B2R Finance7 Celebrate Private Money411 Live9 Applied Business Software11 Strategies for Private Lending14 New Options for Investors from FirstKey LendingContact us: Private Money 411 Photo above: Leonard Rosen,805.693.1497 or Cover: Randy Reiff, CEO of CEO of Pitbull [email protected] FirstKey Lending, LLC, pg. 8 introduces 30-year mortgageBe social and receive updates on: loans for portfolio borrowers. Photo left:Facebook, Twitter, LinkedIn, Wyatt GilbertPinterest, Google+ and more Below: Mingle with hundreds of active investors in Silicon Valley. joins AppliedImportant Disclosures for Our Readers: Private Money411 will be hosting BusinessThe information and presentations provided industry gatherings with a focus Softwaretherein do not constitute an offer or solicita- on technology and finance. For pg. 16tion to buy or sell securities or real estate. more information, see pages 5 and 6.Please be aware that real estate investingcan be risky. Realty411, the publisher ofPrivate Money411, is not responsible for anyinformation provided and/or statistical datapresented, and does not reflect the opinions,advice or research by us. Readers are 100%responsible for their due diligence, for allinvestment information and for all decisionswith respect to any potential investment ortransaction. 411 recommends readers seekthe advice of a trusted attorney, broker, CPAand/or financial adviser before investing.A Special Edition byRealty411 Magazine

Celebrate Our FinancialSupplement and Learnfrom the Top Leaders ofFinance in CA & NY.Private Money411 will be hostingtwo important events in 2015.Whether you are based in the Westor East Coast, you will have theopportunity to network, learn, andmingle with extraordinary financeleaders and speakers.Industry Leaders are Welcomedas Our Complimentary Guests. Reserve Your Participation @ 805.693.1497 or RSVP by email: [email protected]

Private Money411Finance Conference WEST - Silicon valley - CA EAST - Long Island - NEW YORK Real Estate Finance & Technology Expo East Coast REIA - Finance & Technology Expo Network with the VIPs of Finance in San Jose Join Us in Long Island and Visit NYC too!Saturday, March 21st - 9 am to 5 pm Saturday, April 25th - 9 am to 5 pm For information, visit REALTY411guide.com/events • 805.693.1497 • [email protected] and New York

B2R Predicts Strong Year Ahead for Rental Home MarketWhen B2R Finance About Tim Herriage, Managing Director and Head of launched its Marketing and Business Development A 12-year realfirst products in estate investment veteran, Tim has purchased more thanlate 2013, it was 1,000 single-family houses, many of which he holds as rental property today. He is the founder of the larg-a game changer est individual investor-focused trade show in the U.S., the REI Expo, building on his passion for realfor rental prop- estate investing and the opportunity it represents for those who want to take control of their retirements.erty investors. Tim Herriage also proudly served as a sergeant in the United States Marine Corps.The companywas among thefirst to offera financingoption designed short, these last four years. Overall, the market is strong, withspecifically for homes were returns averaging 9 percent, according tosmall to mid-sized unleveraged Daren Blomquist, vice president at Real- tyTrac, and annual gross returns reachedbuy-and-hold real because of a as high as 41.57 percent in Edgecombe County, N.C., the highest of all the 586estate investors. gap in the mar- counties recently analyzed.  ket. B2R and our A recent Yahoo Finance story probably sums it up best. In the Oct. 31 article, anFast forward a year, and competitors fill the investment banker who focuses on putting together deals that package loans tothe company is growing rapidly, gap. As these smaller in- investors noted, “The real market is this market. It’s where everything is actuallyindicating a bright future for B2R and vestors become more liquid, we going to get to.”the single-family rental market. This could see them pursue additional invest- About B2R Finance: B2R Finance, America’s Buy to Rentyear, according to Managing Director ment properties or reinvest in their current Lender, is the leading provider of residen- tial buy-to-rent mortgages for propertyTim Herriage, B2R has ramped up to properties, adding activity to the market. investors, with offices in New York, Char- lotte and Dallas. The Company offersmeet the pent-up demand as one of just a Second, homes continue to recover val- effective and innovative lending solutions dedicated to residential rental propertyhandful of companies offering this type ue lost during the Great Recession. While investors. B2R operates in partnership with the nation’s leading commercial andof product, and has added approximately there is some speculation that declining residential real estate experts to ensure that its loan products and customer50 employees spread across three offices foreclosure activity might weaken the service are in the forefront of the growing residential rental investment market. B2Rin Charlotte, New York and Dallas. The overall opportunity, most of the investors can assist any size investor with a variety of lending products to enhance customercompany is also looking to the future, we encounter have always acquired sound, investment. Further information is avail- able at www.b2rfinance.com or on Twittershoring up its leadership team by adding cash-flowing rental homes from traditional @B2RFinance.highly strategic and experienced leaders sources. Fewer homes underwater actually Private Money411in new roles of CFO, COO and CEO. mean an increase in the overall value ofRealty411 asked Herriage, also a long- our investors’ portfolios.time investor in the single family rental Changing demographics also serve tomarket, what’s next for the sector. bolster the SFR market. According to aHerriage: We remain bullish in our report from the Harvard Joint Center foroutlook for a number of reasons. Housing Studies, 35 percent of householdsFirst and foremost, demand remains rent, up from 31 percent in 2004, and ofhigh. As your readers are well aware, them, 20 percent report no intentions to98 percent of the nation’s estimated 14 buy, either because of macroeconomicmillion single family rental homes are conditions, personal financial concerns orowned by smaller investors, but access for reasons of preference or lifestyle.to credit for these investors had previ- A growing renter base leads to lowerously been incredibly restrictive – of vacancy rates, which has led to favorablethe millions of homes owned by small rents for our investors. The average na-investors, 10 million are not financed. In tional effective rent rose 12 percent in theRealty411Guide.com PAGE 6 • 2015

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THE BANKER RULES The person who underwrites your deals, owns your business and future. By Leonard Rosen, CEO of the Pitbull Conference In today’s sophisticated real estate able compensation. market, there are many ways to The simple question is: Why are you build your business. There are those people who chose to buy giving control of your business and con- and sell real property, and there trol of your future to another person? are those who choose to fund real estate deals. But lurking in the shadows is a secret person called the underwriter. The underwriter’s primary job is to provide their opinion and exercise their authority over your book of business. The underwriter is not your friend. The primary function of the underwriter does not always align with your goals. As an advocate for the private lending business, I see a significant amount of business turned down or swept under the carpet on deals that could be or should be funded. Keep in mind, underwriting criteria changes often and what once was a great deal to fund, today for some unfore- I see a significant amount of business turned down or swept under the carpet on deals that could be or should be funded. seen reason, the deal gets turned down This business model makes no sense because the underwriter doesn’t have an to me, and yet most brokers accept this appetite for the type of business your are as a fact of doing business on a daily submitting. This scenario happens all the basis. time, leaving the broker with a situation that does not generate a commission. At I am here to tell you there is a better the end of the day, we all work for reason- Continued on pg. 18Realty411Guide.com PAGE 8 • 2015 Private Money411

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CFoirnstitnuKeesytoLeInnndovinatge Randy Reiff, CEO of FirstKey Lending, LLCMakes 30 Year Loans Available to Portfolio BorrowersFirstKey Lending revolutionized the real But, as a market leader, FirstKey is committed to estate market for entrepreneurs investing in making it even easier to invest in one- to four- family residential rental properties when it began rentals and is constantly innovating to provide addi- offering its one of a kind single-property tional financing options to current and prospectiveloan product earlier this year. A fully amortizing customers.30-year fixed rate loan with competitive rates andno prepayment penalty. FirstKey’s Express sin- Responding to the success of its Express proper-gle-property loan product offered entrepreneurial ty loan product, FirstKey recently made significantlandlords the ability to manage their cash flow by enhancements to the Express program to bring theavoiding interest rate risk and large balloon pay- benefits of this unique product to entrepreneurial cus-ments at the end of the loan term. tomers who own portfolios of more than 10 properties. “We saw immediate demand for our Express FirstKey is now also offering 30-year fixed rateproperty loans,” says Randy Reiff, CEO of FirstKey solutions for portfolio loans of up to $5 million dol-Lending. lars with no restrictions on the number of properties financed. Like the single property loan, these portfolioRealty411Guide.com PAGE 10 • 2015 Continued on pg. 13 Private Money411

You’re looking to build your rental portfolio. We’ve got the tools to help you do it. We finance oneproperty or many properties •No limit on howmany houses you can finance • Loans of $75,000 and up 30 year fixed rates Fully amortizing No prepayment penaltyWe can help you • Lower your Rate • Grow Your Portfoliorefinance or buy • Manage your Cash Flow • Take Cash Outmore investment properties Contact our SFR Specialists today to get started! 1-844-474-5076 | www.firstkeyrentalfinance.comFirstKey Lending, LLC only makes loans for a commercial or business purpose and does not make residential mortgage loans. Loan productsmay not be available in all states and are subject to credit application and approval. This is not an offer or commitment to lend. FirstKey Lendingoperates out of several locations, but not all locations conduct business in all jurisdictions. FirstKey Lending, LLC an equal housing lender. 4 Inter-national Drive, Rye Brook, NY 10573. Tel: (888) 707-5040. NMLS Unique ID No.1063414 (www.nmlsconsumeraccess.org). FirstKey Lending productsand services offered in California are made or arranged by FirstKey Lending CA, LLC pursuant to its California Finance Lender Law License. ArizonaMortgage Banker License No.0925342. Loan products may not be available in all states and are subject to credit application and approval. Otherrestrictions may apply. Rates, terms and products subject to change without notice. This is not an offer or commitment to lend. 11/2014



FirstKey Lending Offers Innovative Opportunities, pg. 10loans have no prepayment penalties, making them evenmore attractive for entrepreneurial investors who wantto lock in long-term financing but maintain flexibility tosell assets or manage their investments. “The needs of entrepreneurial investors are notnecessarily the same as institutional investors. Withthe introduction of this product, we are giving customerswho are a bit less rate-sensitive the ability to choose along term, fixed rate solution with complete prepaymentflexibility,” said Reiff. “Recognizing that the needs andaspirations of entrepreneurial borrowers might changeover time is what inspired the original 30-year propertyproduct, and we are now thrilled to make it available forcustomers who want to borrow up to $5 million againsttheir multi-property portfolios.” FirstKey was the first national lender to targetentrepreneurial borrowers in the rental finance spaceand has prided itself on innovating a wide variety ofprograms meant to make it easier to invest in the SFRmarket. For FirstKey, it’s not just about the borrower’s creditscore, but the strength of the borrower’s investment.FirstKey looks primarily at the property’s value andthe cash flows to determine the investment’s ability toservice and ultimately repay the debt. This evaluationmodel can make FirstKey’s financing products accessi-ble to a wide range of customers. “With the introduction of this product, we are giving customers who are a bit less rate-sensitive the ability to choose a long term, fixed rate solution with complete prepayment flexibility,” said Reiff. For entrepreneurial investors more interested in Reiff. “Whether one property or 10,000, our suite of SFRoptimizing rate than term, FirstKey continues to offer finance products provides a variety of solutions to the entireExpress portfolio loans under $5 million for 5, 7 or 10 spectrum of investors.”years at some of the lowest fixed rates available in theSFR space. FirstKey continues to simplify the logistics of all its programs, streamlining the documentation process and in- FirstKey’s wide range of products also includes creasing the ease of closing. These efforts make it easier tooptions for many other types of investors. Premier manage expenses and navigate the process for customersprovides non-recourse loans from $5 million to $500 who may be financing their investments for the first time.million to mid-size and institutional rental investors.For entrepreneurs more focused on fixing properties FirstKey is backed by Cerberus Capital Managementand selling them, FirstKey also offers loans for rehab L.P., one of the country’s largest private investment funds,projects between $100,000 and $1,000,000 through its giving it the resources it needs to continue advancing in theFix & Flip program. market. FirstKey management said the recent moves were an effort to continue offering exciting new options and the “We are proud to continue innovating and improving value that its customers have come to expect.our market-leading products to serve the unique needsof our entrepreneurial and institutional investors,” said More information, please visit: http://firstkeylending.comRealty411Guide.com PAGE 13 • 2015 Private Money411

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Is Owning Investment Propertythe Best Way to Generate Income from Real Estate?Insights by GCA Equity Partners, LLCI Want to Share a Why I Like Private LendingSecret with You… Private lending simply means providing loans that are secured by real property. The investor/lender I used to believe that the only way to generate income earns money by collecting interest for their loansthrough real estate investing was by owning property and in some cases can also profit from apprecia-and renting it out. I bought (and later sold) single family tion in the property that they are lending against.rental houses, fixed them up whenever necessary, and Private lending isn’t for every investor, but thefound tenants for each of them. following are some of the reasons why I like it as part of my real estate investment strategy. What I quickly learned was that being a landlord 1) The returns can be as good, or better thanwasn’t as easy as I expected. I had to deal with tenant those you get from renting property.issues and maintenance problems, and pay for “extras” I 2) Your loan is secured by the equity in thehadn’t really considered like insurance and property tax- property you are lending against.es. (I quickly found out why landlords like to complain 3) Since you don’t own the property, youabout the “three Ts” – tenants, toilets, and taxes!) don’t have to manage tenant or maintenance issues. I didn’t realize that there was another way to create 4) You can invest in loans made against aincome through real estate investing – a way that more wide range of property types.sophisticated investors had figured out which earned 5) Many different lending models are avail-them solid returns without the hassles of owning proper- able from one investor / one loan to pooledty directly. It’s called “private lending”. funds. Different Private Lending Models The most basic private lending model is to provide first mortgages to individuals or entities that need them to buy or refinance a property. In this case, the loans may be structured in two ways. First, as fully amortized, meaning principal and interest are repaid together on a regular, periodic basis. Alternatively, as interest only, meaning only regular, periodic interest is paid during the life of the loan, with the principal repaid in a single balloon payment at the end of the loan. Another model is to provide second mortgages to bor- rowers, typically for a higher rate of interest and structured as fully amortized or interest-only loans. These second mortgages can be higher risk since, in the event of a de- fault, foreclosure, and/or property sale – the first mortgag- es are paid off first and any remaining money is used to pay the second or further subordinated mortgages. A third model is known as shared equity. In this model, the lender provides the borrower with a loan in return for interest and a share of the appreciation in the property when it is resold. Shared equity models typically only apply Continued on pg. 17Realty411Guide.com PAGE 15 • 2015 Private Money411

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GCA Equity Partners, pg. 15to properties that have and thus keep the funds JasonHartman.com Lestrong appreciation poten- more fully invested. Anoth-tial, such as so-called “fix- er is diversification, since The Complete Solution for Real Estate InvestorsTM inand-flip” deals or new con- funds from each investor lestruction. However, when are distributed across multi- So you love real estate... dthis model applies, it can ple loans. but you hate management?increase the return potential Some investors may itby adding an equity-based find a disadvantage, in that Passive Income 12.25% thcomponent to the standard they like to review their own First Trust Deeds pinterest-only model. loans and make their own in decisions about whether or We have access to very unique \"insider\" s Private Lending not to lend on a particular private lending opportunities. You’ve never Funds deal. With fund investing, seen hard money lending like this before. If in those decisions are made you have $100,000 or more to invest and you thWhile much of the private by the fund manager rather want conservative, diversified, quick-turn, alending activity is single or than the individual. Of non-pooled investments that repay in about dmultiple investors support- course, for other investors, four to six months contact us for details. Ouring a single borrower, there having a professional man- private lending program is simple and proven. bis another model based on ager evaluate the deal is The simplicity of our private lending program Fan investment fund. In this actually seen as an advan- is unmatched. Visit www.JasonHartman.com aapproach, a fund manager tage. or call 480-788-7823 today. worganizes a collection of Private lending can be a Binvestments from multiple great way to invest in real Listen to The Creating Wealth Show, hinvestors, and then uses estate without the hassle Jason's Highly Acclaimed Investor Podcast: ththe pool of money in the of owning property, dealing lefund to make loans to with maintenance issues, or CW 274 - inborrowers. Currently, there managing tenants. It focus- Fiscal Hangover & Global care a variety of real estate es on the financial aspects Change with Keith Fitz-Gerald tomortgage funds available, of real estate investing by mwith a range of investment allowing individual investors CW 273 -strategies including the (by themselves or as part The Decline of the EuroZonesame ones described previ- of a fund) to essentiallyously for individual inves- become the bank and to with Alasdair MacLeodtors. Investing in funds, or finance real estate transac-mortgage pools, has both tions using the security of CW 269 -advantages and disadvan- the real estate as collateral. SWOT Analysis of Income Property,tages relative to individualprivate lending. One advan- To learn more about private Facebook IPO & Case Studytage is that capital efficiency lending, contact GCA Equityis typically higher, since it’s Partners, LLC at 408-369-easier for a fund manager 1571, x101 or email: info@to match their larger pool of GCAEquityPartners.com.capital to particular deals See terms of service at: www.JasonHartman.com/terms PodcastRealty411Guide.com PAGE 17 • 2015 Private Money411 Realty411Guide.com PAGE A16 • 2014

Leonard Rosen on Why Bankers Rule, pg. 8A group photograph of the Pitbull Conference in California. way. I call it the “Real Estate is in your fund, you deployPitbull events attract investors from throughout the country. Fund Model”. In this model, you the capital into the market are the underwriter and the deal based on funding criteria that maker. You have complete con- you have established. You trol of your business and your receive compensation for future. Using this model, you origination fees as well as create a real estate fund and arbitrage spreads, manage- accept investment capital from ment and service fees. investors who are interested in diversifying their portfolio. The This model works for fix capital investors contributions and flips deals, as well as are pooled together in your real small balance commercial estate fund. Once the capital deals. Actually, you can use the capital for any type ofYOUR LOCAL real estate transaction that you deem is a good invest-TAX PROFESSIONALS ment. CALL US TODAY TO SCHEDULE YOUR At the end of the day, you take control back and 30COMPLMIICMNOUNETESNUTLATARTYION have the earning potential to generate more money with multiple revenue streams. The investment model, as well as other opportunities, such as syndication and joint ventures, are discussed in detail at our national hard money conferences. For more information, please visit our website at www.pitbullconference.com Tax Services 818.242.4888Incorporating Services www.RobertHallTaxes.com ANY DESTINATION ANY AIRLINE ANY SEAT Ca$hflowPREMIUM TRAVEL MANAGEMENT SAVE UP 55% OFF TO ON ANY BUSINESS OR FIRST CLASS FLIGHT CALL NOW 800-590-0147 Insider deals and privately negotiated fares Receive Your 11 years of expertise Complimentaryand enjoy excellent service and 24/7 Live service before, during and after your trip CashFlow Express preferred rates Complex itineraries and last-minute specials Corporate solutions Realty411guide.com/ CashFlow-ExpressRealty411Guide.com PAGE 18 • 2015 Private Money411

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Brian Evans We’ve been lookingInvestorPlano, TX for a way to refinance Residential real estate investors aren’t used to having our rental easy options for financing, re-financing and unlocking properties. equity from their rental properties. Until now. B2R was the answer. “B2R walked us through the process and made sure we were Nationwide Financing Up to 75% LTV comfortable every step of the way.” Recourse & Non-Recourse - Brian Evans Aquisition Line Available Up to 30-Year Amoritization At B2R Finance, residential rental mortgages are all we do. That means we’re committed to finding faster, ........................ easier and smarter options for you. For example, we provide blanket loans allowing you to eliminate PROPERTY TYPES multiple mortgages and “package” several properties Single-Family Residences into a single loan. We also make asset-based loans that 2-4 Family Units • Condos consider the cash flow of your rental property rather Townhomes • Apartments than your personal debt-to-income ratio. In short, we provide innovative solutions that are tailor- Mixed-Use made for real estate investors. 855.710.0227 B2Rfinance.comB2R Finance L.P., NMLS ID # 1133465, 1901 Roxborough Road, Suite 110, Charlotte, NC 28211. B2R Finance L.P. is not a residential mortgage lender. B2R Finance L.P. onlymakes loans with a commercial purpose and is not currently authorized to make such loans in all jurisdictions. Your specific facts and circumstances will determine whetherB2R Finance L.P. has the authority to approve loans in your specific jurisdiction. B2R Finance L.P. operates out of several locations, but not all locations conduct business in alljurisdictions. Arizona Mortgage Banker License BK#0926974. Minnesota: This is not an offer to enter into an agreement. Any such offer may only be made in accordance with therequirements of Minn. Stat. §47.206(3), (4). Oregon Mortgage Lender #ML-5283.