February 2027
Venue TBDMiamiPreliminary Agenda Topics
Provisional Start and End Times:
January 15: 8:00 am - 6:00 pm
January 16: 8:00 am - 12:30 pm
Please Note: The order of the topics below does not reflect their timing or position on the final agenda.
Agenda Topics
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The Mortgage State Of The DSCR RTL Market
- Market Trends, what have the last 12 months been like for these asset classes?
- Economic Update, New administration effects
- An update on the DSCR changes on debt accrual, repayments, financing and refinancing in recent months
- Distinct issues/differences between DSCR and RTL in today’s market
- What is the impact on residential, business purpose and bank statement loans?
- Property valuation & planning
- NOI and determining your DSCR and RTL, best practices
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Economics, Demographics And The Impact on DSCR & RTL Markets
- Home sales, commercial prices and competition from other markets
- High growth and inflation… What will that mean for the market?
Higher Ratios - Impact of work from home on mortgage origination
- Any after effects from a year of new administration?
- DSCR Loans as a whole as interest rate changes
- What is your favorite demographic as the Refi fades? What are the keys to targeting and educating different consumer demographics including minority and underserved markets?
- Incomes and FICO scores
- Lender Overview- Numbers/performance in last 18 months
- DSCR/RTL Outlook next 12 months
- Loan Performance under different interest rate scenarios
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Technology/AI in the DSCR & RTL Loan Space
- How have recent technologies/AI evolved in the past 12 months in these respective spaces? Pros? Cons?
- Real-world applications of tech in borrower evaluation, property analysis, and risk modeling
- Challenges around data quality, model transparency, and regulatory compliance
- Stress testing DSCR/RTL portfolios using AI simulations
- Predictive analytics for default risk and prepayment behavior
- Best tools for rent analysis, property management, and borrower engagement
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Valuation, Pricing, Risk Management, & Interest Rates – Your DSCR/RTL loan
- Cash flow issues and competencies
- Market economic value/models
- Timing/length until loan contract maturity and the valuation of the underlying portfolio
- How are you improving your pricing ?
- Modeling area codes, zip codes, insurance, climate risk and flood zones
- Current delinquency levels and prepayment speeds on loans and their servicing values
- Pricing assumptions…How are they changing?
- If rates fall or rise, how much does the value of the loan go up or down?
- Current vs. future rate expectation impact
- Appraisal Process in RTL Servicing
- Specialized appraisers vs. non-specialized
- What are the biggest risks to look out for?
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DSCR RTL Investor Perspective: Market Evaluations
- Attractive Property Types
- Slow investments/growth opportunities?
- What does your cash flow look like today vs. 6 months ago?
- Loan acquisition: How is this trending for your business in this economic environment?
- What factors do you consider when investing?
- Keeping up with the times (market), is it more difficult today to read the market on a day to day, month to month?
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Financing: Capital Markets & Risk Management
- How are you financing loans? Any recent big changes ?
- Investor demand, liquidity, and attracting new investors
- Holding on balance sheet vs. retention length before selling whole loans or securitizing: What is the impact on financing and hedging?
- Lender Ratings
- Whole Loan Trading: Pricing Risk
- Choosing Capital Partners Wisely- Lenders
- Change in liquidity
- Pipeline, credit and interest rate hedging performance in a rising interest rate environment
- Do not hedge as a hedge policy vs. costs of active risk management
- How do you look at modeling property values given housing shortages and its impact on credit risk?
- Legal perspective, warehouse financing strategy, general business
- True sale, structural considerations, risk management
- Domino effect: Impacts on originators, brokers etc.
- Securitization/financing ecosystem
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How is your Deal Flow: Latest Terms, Structures & RTL/DSCR Deals
- What is the state of capital markets in this space?
- Transaction volume & deal flow in market
- Outlook for 2026
- Challenges & best practices
- What level of leverage is available for these loan types?
- Risk management
- Revolving transactions with RTL & DSCR
- Securitized product types
- How fast is this market growing? Has deal flow changed due to election or any other factors?
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RTL Investment Management: Navigating the Loan Landscape as a Manager & Acquirer
As a manager and loan acquisition business, what are your best strategies to managing your loan portfolio?
Strategic use of loans in multi-asset portfolios
Private credit vs. syndicated loans: opportunities and trade-offs
Risk management and credit quality assessment
Regulatory shifts impacting loan markets
Technology and data in loan servicing and monitoring
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Visio Fireside Chat – 15 minutes
Discussion led by Jenny Coupland, Chief Executive Officer, Visio Lending
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Structured Mechanics & Benefits of New Issuance
- What has new issuance looked like in 2026? Past 12 months?
- Increased Liquidity? Access to more capital?
- Benefits of an issuance trust
- Disadvantages of new issuance
- Asset Backed Securities/Fixed Rates
- Non traditional versus traditional issuances
- Credit Rating Agencies/Ratings
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At your Loan Service: Servicing for RTL & DSCR
- Residential vs. Commercial Loan Servicing, similarities vs. differences
- Best practices for loan partner relationships
- Loan Monitoring
- Technology & effective systems for loan tracking
- Managing portfolios
- Valuations of Loans
- What are the biggest pitfalls/challenges to loan servicing ?
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Navigating Risks in RTL and DSCR Lending: Tackling Loan Fraud and Evictions
- Common types of fraud in RTL and DSCR lending (e.g., falsified income, occupancy misrepresentation, appraisal fraud).
- Red flags in loan applications (e.g., inconsistent cash flow projections for DSCR loans, unverifiable borrower credentials).
- Overview of why loan fraud and evictions are critical issues in RTL and DSCR lending.
- Technology and tools for fraud detection (e.g., AI-driven analytics, blockchain for document verification).
- Case studies of fraud incidents and their impact on lenders.
- Fraud Detection Expert shares data-driven strategies and tools for spotting fraud.
- Lender Representative discusses underwriting safeguards and due diligence processes.
- Regulatory changes?
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RTL Securitization: Agreements & Interests for your Loan Pool
- The Evolution of RTL securitization as a Financing Solution
- How are the facilities Structured?
- Guardrails and What Can Go Wrong?
- Who are the Customers?
- How to Manage Your borrow/lender Relationship
- Warehouse Lines vs CLOs
- Analyzing Repurchase Obligations
- Mortgage loan eligibility criteria
- Financing agreements & criteria
- Intricacies of selling a portion of a loan to a Special Purpose Vehicle (SPV)
- Best practices for your asset securitization
- Are your DSCR loans being sold? Securitized? Kept?
- Capital markets solutions for RTL originators and aggregators
- Corporate balance sheet debt and equity solutions for RTL originators and aggregators, including DSCR, Fix and Flip, and small balance multifamily
- Keys to getting a AAA-rated securitization
- Rated securitization for RTLs
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The Originator Discussion: What Are Your Plans As Rates Begin to Decline And Volumes Challenge?
- What are the latest changes in your underwriting best practices?
- How is your portfolio performing?
- What is your strategy to improve ratios?
- Funding your loans in a rising rate environment
- What are investors looking for today?
- What percentage of your loans are done on an exception basis?
- What are the characteristics of a market that you like?
- How are sale prices holding up? What has been the impact on your profits?
- What are the latest changes in your underwriting best practices?
- What are the characteristics of the origination market that you like?
- What is your strategy to improve ratios?
- Funding your loans in a falling rate environment
- How are sale prices holding up? What has been the impact on your profits?
- What percentage of your loans are done on an exception basis?
- Take out strategies: What are investors looking for today?
- Discuss portfolio performance
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Long Term/Short Term Rentals & Multifamily Loans: Weighing your options
- Buying house and refinancing for DSCR RTL Loan/Renter
- Airbnb slow down. Market metrics, winners and losers, has Airbnb STR peaked?
- Higher difficulty to maintain, documentation, more variables, rents way down
- Comfortability with STR market?
- Is STR Less stable than LTR ?
- What strategies are you using for either or?
- How to define a multifamily property in relation to the loan options
- Lending rules for multifamily
- Loan Structure and term
- High interest rates, how are you handling?
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DSCR RTL Lender Perspective: What are you looking for in a Borrower?
- Borrower’s wants versus needs
- Cash flow issues and competencies
- What do you look for in valuation of an asset?
- Keys to standing out from others as a borrower
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Womens Leadership Discussion
Survival and growth, defining personal and professional success and elevating the role of women will be among some of the major themes discussed during this session for the DSCR RTL Space. Bring your own questions as we make this interactive session available to discuss the top issues on your mind in this forum where your questions and insights are welcomed.
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Risks of Underwriting a Commercial Loan/DSCR/RTL
- Limitations of DSCR & RTL loans
- LLC Protections & Single Family Liability
- Common mistakes in understanding these loan types
- Potential HOA litigation
- Payment & Cash Flow disputes
- Automation, data analytics, and AI in loan origination
- Market dynamics specific to Florida DSCR RTL
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The Keys To Selecting Your DSCR RTL Loan Lender: The Broker/Correspondent Executive Panel
- Should you choose more than 1 lender?
- What kind of tech tools should you look for?
- How extensive does the product line need to be?
- Should you go with a smaller or bigger player?
- New and existing client support
- Payout structures for you and your team
- Keys to a long-term relationship
- Choosing a DSCR, RTL vs. Other loan type
- Depth of product line
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Diversifying into Strong Markets with Residential Fix & Flip DSCR RTL loans
- Why is the outlook for residential investment property lending likely to remain strong even as rates remain volatile?
- How to adapt and thrive as rates climb
- What are the benefits of originating investment property loans compared to consumer mortgages? How do you get started?
- Brokering vs white label table funding: what's the difference and how should you proceed?
- DSCR and Bridge (fix and flip) products and underwriting
- More flip then fix or more fix then flip in current market? Or both?
- Technology trends and platform services
- SBA Loans