2025, Issue No. 9
Opportunities don’t go away. They just go to someone else.
– Carl Icahn
Letter to the Investors
Dear Investor,
Carl Icahn once said, “The most important thing in investing is to be true to your compass.” That line has been on my mind all week. Because in a market full of noise, speed, and strategy shifts, the investors who win are the ones who stay true to their fundamentals.
Private lending is no different. The borrowers who move the fastest are rarely the ones chasing every rate drop or shortcut. They’re the ones who come prepared, with clean files, clear goals, and consistent execution.
This week alone, I’ve seen three deals close because the borrower knew exactly what they wanted and structured the deal accordingly. No back-and-forth. No scrambling. Just smooth approvals and strong results.
Over Memorial Day, I was reminded how much discipline matters. In real estate, like in life, success isn’t promised. It’s earned through clarity, consistency, and smart positioning.
Your compass matters. Whether you’re borrowing or lending, your ability to lead with clarity, stay aligned with your strategy, and move with confidence, that’s what separates noise from results.
Here’s to staying sharp, structured, and strategic in everything we do.
This newsletter is my weekly take on lending, markets, and mindset, from someone who still loves helping people get deals done.
Thanks for reading.
Keep investing. Stay Timeless.
Have a great start off to your week.
Alanna Avalone – Private Lender
Investor Corner: Why Structure Still Wins in 2025
It’s easy to think the market has slowed. But if you’re on the ground, presenting offers, getting quotes, watching capital move, you know the truth: deals haven’t stopped. They’ve just gotten smarter.
📍 Investors with clean files, flexible timelines, and clear exit strategies are still closing.
📍 Cash-out refinances are coming back—but only for those with strong rental performance and decent credit.
📍 Ground-up projects are getting approved, but under tighter leverage and more scrutiny on exit.
If you’re holding out for the “perfect rate,” you might miss the real opportunity: building now, while others wait.
This market is rewarding clarity. So show the numbers. Lead with logic. And if you’re within that $75K–$5MM sweet spot, you still have leverage, as long as you structure right.
Capital Markets Insight: May 2025
Where money is flowing, what lenders are favoring, and how to position your next deal.
Rental housing is still one of the strongest plays in U.S. real estate—but now, the focus is shifting toward regional dynamics and underwriting behavior.
Sunbelt markets like Florida, Texas, and the Carolinas continue to attract investor capital, but tighter underwriting is starting to shape how those deals get structured. Lenders are rewarding experience, creditworthiness, and stabilized assets more than ever, especially for DSCR and long-term rental loans. Many investors are responding by repositioning flips into long-term rentals or refinancing early to lock in equity, even with rates still hovering in the high 6% to low 7% range.
📈 Rents are up 1.9% from this time last year.
📉 Vacancy rates are climbing in some metros.
⚠️ The 10-year Treasury yield remains high, keeping mortgage rates sticky around 7%.
📌 Key takeaway:
If you’re borrowing, your structure matters more than ever.
A well-underwritten deal with strong borrower credentials will still get terms—often faster than expected.
Deal Spotlight: Refinance Cash Out Bridge Loan | Pensacola, FL
Purchase Date: 12/20/2024
Fico: 652
Loan Amount: $118,950
Term: 24 months
Interest Rate: 11.99%
Lien Position: First
LTV (As-Is): 58.02%
Prepayment Penalty: 6 months
Weekly Feature:
We’re building a platform that gives real estate investors the clarity they need, no more spreadsheets, no more guesswork.
Soon, you’ll be able to:
- Track your equity across properties
- View and organize loans from different lenders
- Monitor refi timing and loan performance
- Stay alert with deal-specific updates and reminders
Real estate investors need clarity.
We’re building the tool to deliver it.
Need help packaging a file? My team underwrites with you.
We are Direct Lender for Residential Investor Projects.
We do NOT offer loans for homesteads (primary residences), or rural.
For projects that don’t align perfectly with our requirements, we collaborate with other lenders to explore financing alternatives.
— Typically booked out 2-3 days. Secure your spot now.
Broker Collaboration
We know brokers are the key to getting deals done. We provide the capital, underwriting, and servicing to help you close more deals with ease, backed by private capital.
Your deals, our capital. Focus on origination, we’ll handle the rest.
— If you’re a broker looking for a reliable lending partner, let’s connect!
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Alanna Avalone - Private Lender 
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