Alanna Avalone – Private Lender

2025, Issue No. 22

Quote Of The Day

Life starts all over again when it gets crisp in the fall.

— F. Scott Fitzgerald

Letter To The Investor

Dear Investor,

Fall has always felt like a reset. The air cools, the light changes, and the long days of summer give way to structure, rhythm, and preparation. September is behind us, and with it Q3 has closed. Now begins the final stretch of the year, a time to both harvest what we’ve built and prepare for what’s ahead.

Just as the seasons shift, so do markets and portfolios. Fall reminds us that every cycle has its role. There are times to plant, times to nurture, and times to harvest. Successful investing is less about predicting the weather and more about respecting the cycle, and staying steady through the change.

🍂 Fall Lessons for Investors

• Preparation fuels growth. The best outcomes come from groundwork done months earlier. Now is the time to evaluate, adjust, and set the stage for Q4 and beyond.
• Balance keeps us steady. Harvest without re-investing leads to scarcity. Preparation without action means missed opportunity. The healthiest portfolios, like the healthiest lives, strike balance.
• Transitions carry opportunity. While others hesitate, fall invites decisive moves, rebalancing assets, planning taxes, and positioning ahead of the new year.

🎯 Action Steps This Season

1. Review Q3 performance against your expectations. Celebrate wins and learn from gaps.
2. Initiate tax planning while time is still on your side. Depreciation, capital gains, and adjustments made now can save significantly later.
3. Seek overlooked opportunities. Fall often brings motivated sellers and end-of-year repositioning.
4. Reset personally as well. Structure, focus, and energy gained this season will carry into the year ahead.

💼 Investor Corner

As we turn the page into Q4, here are some market notes worth keeping on your radar:

• Rates & Credit Conditions: With the Fed cutting its benchmark rate for the first time this year, borrowing costs may soften slightly heading into winter. This creates openings for investors with well-prepared files.
• Bridge Lending Demand: We’re seeing an uptick in quick-turn bridge requests, especially from those repositioning assets before year-end. Expect velocity in this segment.
• Rental Market Trends: Despite seasonal slowdowns in leasing, demand in key metros remains resilient. Investors using DSCR strategies can still capture strong cash-flowing opportunities.
• Tax Strategy Moves: Cost segregation studies, depreciation acceleration, and harvesting losses where possible should all be on the table now. Don’t wait until December.

This season, clarity and timing are everything. The investors who prepare now will enter 2026 not just ready, but ahead.

Fall reminds us that endings and beginnings often arrive together. What looks like a close is also the start of something new. Let’s carry that spirit forward into Q4 with clarity, readiness, and gratitude.

To new beginnings,

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.

---

🌐 We’ve Optimized Our Website

We’ve just refreshed our online home, designed to give you a clearer picture of who we are and how we work. Take a look, explore our approach, and see if we’re the right fit for your next project.