2025, Issue No. 12

Quote Of The Day

“You can’t disrupt the rules while still trying to be rewarded by them.” – Adam Grant

Letter To The Investor

Dear Investor,

That quote by Adam Grant has been ringing in my head all week.

It’s from Originals, the book I’ve been reflecting on for Project Origin. And I chose it because it cuts right to the truth of what I’ve seen in lending, in investing, and honestly, in life.

Everyone says they want original deals. Better returns. Off-market plays. But few are willing to actually move differently. To structure a deal that breaks the norm. To trust their read on a property before it becomes obvious. To stop waiting for someone else to validate their instincts.

In lending, the best deals don’t reward the most cautious, they reward the most prepared. The ones who know the rules, understand the tradeoffs, and can move when the moment hits. That’s how I underwrite. That’s how we build relationships. And that’s what I want this newsletter to reflect, week after week.

Because every week, there is signal through the noise. And this week’s issue is no exception.

In Investor Corner, we’re diving into how seasoned investors are sidestepping slow flips and high-risk builds by shifting into shorter hold strategies and optimizing for cash flow early. We’re seeing a growing preference for buy–renovate–rent paths, with investors stabilizing faster and exiting quickly into long-term rentals or bridge-to-perm loans.

In Capital Markets Insight, we’re talking about lender appetite, rate movement, and what’s actually being funded right now. With certain Wall Street channels tightening up, private money is playing a more central role. You’ll also get the latest term breakdowns for both rental and bridge programs, no fluff, just clear ranges.

The world doesn’t pause so we can catch up. But when you tune into the right trends, and step into them with clarity, everything changes.

Let’s keep doing things differently.

Let’s stay original.

Alanna Avalone – Private Lender

This newsletter is my weekly take on lending, markets, and mindset, from someone who still loves helping people get deals done.

Thanks for reading.

Investor Corner: Suburban Rent Surge Amid Homebuyer Squeeze

Buyers in markets like Austin, Nashville, and Denver are being priced out, pushing them into rentals, especially suburban homes. One direct outcome? Build‑to‑rent projects are expanding faster, and existing rental assets are staying occupied longer. That spells stability for investors focused on rental yield, not flipping.

At the same time, playing by the book won’t always win you the deal. Investors who wait for perfect comps, perfect timelines, or perfect terms are watching opportunities pass them by.

You don’t need to throw out strategy, you just need to stop waiting for perfect.

Real returns are being made by those who:

Lock up the deal first, structure second Understand lending constraints, and work around them Know that the best plays are rarely the obvious ones

If you’re serious about scaling, remember:

Original thinking wins in real estate. Not recklessness, just creativity paired with discipline.

Capital Markets Insight: Watch the Commercial CRE Pressure

Where money is flowing, what lenders are favoring, and how to position your next deal.

The Financial Stability Board warns of hidden risks in the $12 trillion commercial real estate market, especially office and retail, due to high leverage, softening demand, and limited transparency.

For private lenders, that signals a shift: income-producing assets and shorter-term credit vehicles like DSCR and bridge loans are gaining favor.

Meanwhile…

Debt Market Stays Cautious. But Funding Is Moving

Rates are holding near 7%, and lenders are scrutinizing leverage and borrower profiles more than ever. That said, deals under 70% LTV with clean credit and cash flow are still getting greenlit.

Key Takeaway

Retail and office may be shaky, but rental homes are holding strong, especially in the suburbs. For private credit, that reinforces the focus on stabilized, income-producing real estate with thoughtful structure and risk controls.

Loan Product Highlight: REFINANCE LOANS

The kind that fits just for you.

Refinance your investment property to lower your rate, pull out cash, or clean up your loan structure.

We work with investors who need speed, flexibility, and direct answers.

Let’s get to the good stuff:

• Up to 80% LTV – Rate & Term or Cash Out

• No seasoning required on Cash Out

• Cross-collateralization available

• No DTI, no W-2s, no tax returns

• Interest-only options

• 600 minimum FICO for Bridge Loan refinance

• 660 minimum FICO for Rental Loan refinance

• Loans from $75K to $5MM

Rate & Term

Lower your monthly payment or refinance out of a high-interest loan. You can also consolidate multiple loans into one.

Cash Out

Access the equity in your property to fund your next project, cover expenses, or invest elsewhere. Rental or bridge, listed or stabilized.

Contact us to see which product your property qualifies for.

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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.

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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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My Gift to You: Business Credit That Grows With You

Need working capital to kickstart your next project?

I’m sharing a powerful funding tool I’ve personally used to build my business.

Chase for Business offers a flexible line of credit with:

• 0% interest for the first year
• No annual fee
• Ideal for strong borrower profiles (700+ credit)

Start with $25K–$100K+ and watch your credit line grow as your business scales.

This is the kind of smart capital that works for you, not against you.

— Consider it my gift to help you move faster and smarter.

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AI-Powered Credit Boost

Dovly AI is shaking up the credit game with the first all-in-one AI credit engine that builds, fixes and protects credit, empowering all Americans to boom financially – 100% free.

— Our investors are using Dovly AI to improve personal credit for smoother approval.

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Invest Smarter with Robinhood

Many real estate investors are diversifying into the stock market.
Start small, earn passively, and complement your real estate strategy with market-based gains.

— Get a free stock on me.