Toorak CEO on the need for residential transition loans in the US

How Private Money Lending Really Works! Private money lenders use private capital to fund loans, which are typically only used for business or investment purposes. These can be for many situations, including residential and commercial construction, fix and flip rehabs, bridge loans for purchases or refinances, and land acquisition and development projects. Here at Cetan funds, we have loan programs for all of these opportunities. Learn more in our blog post about private money lending here: https://lnkd.in/guf2WNFc #cetanfunds #newconstruction #newbuild #homebuild #hardmoney #spechome #privatemoney #hardmoneylending #privatemoneylending #realestate #oregonrealestate #realestateinvesting #residentialrealestate #commercialrealestate

Residential transition loans are on the rise, but growth is being slowed by unclear US rules. “RTLs are needed in the US because of the national housing shortage, as well as the ageing and obsolescence of existing housing stock.” - John Beacham, Toorak Capital Partners Read the full article here:🔗 https://okt.to/qBMQdg #PrivateCredit #ResidentialLoans #PrivateDebt #AlternativeInvestments Christopher Faille

💸 Still Using Bridge Loans for Property Financing? There’s a Better Way. 🏡 Bridge loans were once the go-to solution for quick property financing, but they come with high interest rates, strict terms, and hidden fees. It’s time to rethink property financing. With Home Equity Invoice Agreements (HEIA): ✅ No monthly payments ✅ No interest rates ✅ No origination fees ✅ Equity-based partnerships that align interests Why rent money when you can build equity? 👉 Read the full guide on WealthTradie News: https://lnkd.in/eVWtCnw8 💡 Want to stay ahead in real estate finance? Drop a "News" in the comments to stay updated! #HEIA #BridgeLoans #PropertyFinance #RealEstateInvesting #WealthTradie

⚠️ Renovating? Don’t Get Trapped by Debt. Before you sign another loan doc or hand over cash to a contractor—watch this. This clip breaks down how Home Equity Invoice Agreements (HEIA) help you avoid predatory debt, by turning renovations into deed-based disbursements instead of risky loans 💡🏠 With HEIA: ✔️ Contractors are paid fairly ✔️ Homeowners keep control ✔️ Everyone avoids unnecessary debt and taxes 📈 This isn’t just financing. It’s a wealth strategy you get for free on our YouTube channel #HEIA #WealthTradie #RealEstateFinance #DebtFreeRenovation #SmartMoneyMoves #HomeImprovementHacks #CreativeFinancing #PropertyEquity #ShaneWalsh #HomeownerTips

⚠️ Renovating? Don’t Get Trapped by Debt. Before you sign another loan doc or hand over cash to a contractor—watch this. This clip breaks down how Home Equity Invoice Agreements (HEIA) help you avoid predatory debt, by turning renovations into deed-based disbursements instead of risky loans 💡🏠 With HEIA: ✔️ Contractors are paid fairly ✔️ Homeowners keep control ✔️ Everyone avoids unnecessary debt and taxes 📈 This isn’t just financing. It’s a wealth strategy you get for free on our YouTube channel #HEIA #WealthTradie #RealEstateFinance #DebtFreeRenovation #SmartMoneyMoves #HomeImprovementHacks #CreativeFinancing #PropertyEquity #ShaneWalsh #HomeownerTips

⚠️ Renovating? Don’t Get Trapped by Debt. Before you sign another loan doc or hand over cash to a contractor—watch this. This clip breaks down how Home Equity Invoice Agreements (HEIA) help you avoid predatory debt, by turning renovations into deed-based disbursements instead of risky loans 💡🏠 With HEIA: ✔️ Contractors are paid fairly ✔️ Homeowners keep control ✔️ Everyone avoids unnecessary debt and taxes 📈 This isn’t just financing. It’s a wealth strategy you get for free on our YouTube channel #HEIA #WealthTradie #RealEstateFinance #DebtFreeRenovation #SmartMoneyMoves #HomeImprovementHacks #CreativeFinancing #PropertyEquity #ShaneWalsh #HomeownerTips

⚠️ Renovating? Don’t Get Trapped by Debt. Before you sign another loan doc or hand over cash to a contractor—watch this. This clip breaks down how Home Equity Invoice Agreements (HEIA) help you avoid predatory debt, by turning renovations into deed-based disbursements instead of risky loans 💡🏠 With HEIA: ✔️ Contractors are paid fairly ✔️ Homeowners keep control ✔️ Everyone avoids unnecessary debt and taxes 📈 This isn’t just financing. It’s a wealth strategy you get for free on our YouTube channel #HEIA #WealthTradie #RealEstateFinance #DebtFreeRenovation #SmartMoneyMoves #HomeImprovementHacks #CreativeFinancing #PropertyEquity #ShaneWalsh #HomeownerTips

⚠️ Renovating? Don’t Get Trapped by Debt. Before you sign another loan doc or hand over cash to a contractor—watch this. This clip breaks down how Home Equity Invoice Agreements (HEIA) help you avoid predatory debt, by turning renovations into deed-based disbursements instead of risky loans 💡🏠 With HEIA: ✔️ Contractors are paid fairly ✔️ Homeowners keep control ✔️ Everyone avoids unnecessary debt and taxes 📈 This isn’t just financing. It’s a wealth strategy you get for free on our YouTube channel #HEIA #WealthTradie #RealEstateFinance #DebtFreeRenovation #SmartMoneyMoves #HomeImprovementHacks #CreativeFinancing #PropertyEquity #ShaneWalsh #HomeownerTips

Lender Perspective: CityFHEPS vs Section 8 Income When comparing income from Section 8 tenants to CityFHEPS, it is important to understand the details that can impact financing outcomes, especially when looking at your takeout or permanent debt. Section 8 is not perfect and can be subject to policy changes, but most lenders still view it as the more stable income source. Its long history and federal funding make banks more comfortable, and many will count most or all of the contract rent when underwriting. CityFHEPS, even with the newer expanded version, is still city funded and relatively new. Many lenders remain cautious, often taking a haircut on that income or, in some cases, not counting it at all. The key takeaway is that both programs provide valuable housing solutions but can have very different impacts on financing. Staying current on lender appetite for each program helps you sharpen your underwriting on your next investment or development.

Mid market lenders are stepping into the spotlight as $1.7 trillion in commercial real estate loans come due over the next two years. Deals under $100 million make up the majority of the market and are becoming a key indicator of sector health. With regional banks pulling back, private credit providers and debt funds are filling the gap. Recent moves by ACRES Capital, Urban Standard Capital, Bayport Funding and Sunrise Realty show just how much momentum is building in mid market lending. Read the full analysis from PERE Credit's Anna-Marie Forrest (née Beal) here: https://lnkd.in/gpYxYCMs