Rocky Butani interviews Vance Hillstrom, CEO of Rubicon Mortgage Fund, for a wide-ranging discussion on California’s evolving real estate market, Rubicon’s conservative lending philosophy, and what it takes to survive and thrive in today’s private lending landscape. Rubicon has been originating bridge loans for nearly 20 years, funding deals exclusively with capital from its $150 million discretionary mortgage fund. While the firm started by focusing on the Bay Area, its lending footprint now spans the entire state of California, including a growing appetite for Southern California.

Visit Rubicon's profile on PrivateLenderLink.com to learn more and to contact them: https://privatelenderlink.com/profile/rubicon-mortgage-fund/

This interview is Episode #18 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

Rocky Butani interviews Dave Orloff, CEO of American Heritage Lending for an in-depth discussion on DSCR (Debt Service Coverage Ratio) loans. They explore current market trends in mid-2025, interest rate volatility, updated loan guidelines, and what makes AHL’s DSCR program stand out — including high LTV options, 40-year loan terms, fee stacking, and their approach to short-term rentals and multifamily properties. Whether you're a broker, investor, or lender, this episode offers practical insights into one of the most popular loan products in private mortgage lending today.

Visit American Heritage Lending's profile on PrivateLenderLink.com to learn more and to contact them: https://privatelenderlink.com/profile/amercian-heritage-lending/?utm_source=lender-link-podcast

This interview is Episode #17 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

Yieldi's principals, Joe Ashkouti and Josh Lloyd, spoke with Rocky Butani to talk about bridge loans for commercial and residential investment properties, their lending guidelines, the company's unique capital structure, and more.

Visit Yieldi's profile on PrivateLenderLink.com to learn more and to contact them:

https://privatelenderlink.com/profile/yieldi/?utm_source=lender-link-podcast

This interview is Episode #16 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

00:00 Welcome and Intro

00:40 Market Trends 2025

01:45 Company Growth

03:00 Land Loan Demand

04:30 Market Insights

06:00 Conservative Lending

07:00 Bridge to Bridge Loans

08:30 Free and Clear Deals

09:30 Cash Out Strategy

10:30 Foreclosure Bailouts

12:00 Loan Volume Growth

13:30 Commercial vs Residential

14:30 Geographic Breakdown

15:10 Lending Guidelines

17:00 Loan Sizes and LTV

19:00 Luxury Home Bridges

20:30 Consumer Bridge Loans

21:30 Land Loan Examples

25:00 Land Underwriting

27:30 Cross Collateral Loans

30:00 Special Use and Hotels

31:30 Foreign National Loans

33:00 Rehab and Fix and Flip

35:00 Commercial Value Add

36:30 Valuation Approach

38:00 Site Visit Process

40:00 Company Background

42:00 Capital Structure

44:30 Lending Regions

46:00 Georgia Lending

48:00 Municipal Issues

50:30 Final Thoughts