There’s a Stranger in My House

The (stranger) in real estate lending is referred to as PACE or “Property Assessed Clean Energy” and HERO or “Home Energy Renovation Opportunity” loans

Private Money/Hard Money Overview

A Vital Subset Of The Real Estate Lending Industry

An Insurance Broker and a Borrower Willfully Engaged In Fraud Against a Lender

Even A Few Service Providers Have No integrity

Insurable Value vs Assessed Value

Valuation Methods and Purposes Differ Greatly

The Crucial Concept of Depreciation in Real Estate Ownership

Depreciation refers to the loss in property value from any cause. It results in diminished value reflecting the difference between the present value and the cost to reproduce or replace.

Real Estate (Private Money) Loan Documents and Related Disclosures

Real Estate Practitioners Should Obtain A Comprehensive Understanding Of The Loan Documentation To Carry Out Their Fiduciary Responsibilities To The Principals.

Accidentally Building A Portion Of Your Structure On Their Property

On A Neighbor's Property That You Don’t Own

Deed of Trusts and Mortgage Investments In California

Overview Of The Licensing and Regulatory Scheme

Cross-collateralization: Encumbering Multiple Properties

and Cross-Default Provisions

Modifying Collateral Lien Positions By Mutual Written Agreement Between Principal Parties

Subordinations and Inter-Creditor Agreements

Loaning On Land Parcels Containing Manufactured Homes

A Cautionary Tale: Real Property vs Personal Property

You Can’t Take Your Loan To The Bank As Easy As You Think

Unless You Are Willing To Jumping Through The Hoops To Get A Loan

A Real Property Borrower Operates With No Skin in the Game

Maximum Leverage Can Be Beneficial or Can Be Used to Can Be Used to Transfer the Risk to the Lender

The Trade War Is a War For Economic Dominance

Eventual solutions will see a recalibration of trading partners suitable for all participants.

Lending On Owner-Occupied Commercial Buildings:

Underwriting a loan comes with a few special issues to deal with

Purchasing Valued-Added Real Property

California Has Taken a Top-Down Approach to The Development Approval Process

Leaving Local Municipalities with Only Ministerial Approvals

Some Borrowers Intentionally Withold Material Facts

During The Loan Submittal Process

Private Money/Hard Money Real Property Loans:

A list of good reasons to switch to a private money lender

Legal vs Equitable Ownership in Real Property

As It Relates to a “Due On Encumbrance” Provision In A Deed of Trust