Here Comes the New Guard, pg. 29
platform which enhances the lender–
investor relationship. It even acts as
a mobile dashboard for investors to
interact and upload documents on the
go, as well as monitoring their portfo-
lio performance from anywhere in the
world. This helps further build the rela-
tionship by tapping big and small data
to provide users better solutions. This
isn’t your creepy Facebook stalking-
style relationship. It is about getting
to know where you want to go, where
your portfolio is in relation to that, the
DNA of your local market, and how to
connect the dots with great financing.
THE BIG IDEA
While some newer real estate in-
vestors were griping about access to
inventory as we turned the corner into
2015, B2R Finance’s Dwell acquisition
and investments in product develop-
ment suggest bullishness on the US
market’s future. We’ve already seen
a significant spike in foreclosure ac-
tivity and distressed properties being
leaked onto the market in early 2015.
upgraded B2R-Dwell tool chest auto-
mates management to make investing
“radically easier.”
THE LENDING LAB
So where does B2R come up with
these innovative products, and what’s
next?
A peek inside the mortgage lend-
er’s offices reveals that this company
says he loves listening in to the origi-
nation team in action in the Charlotte
office, as well as sitting next to the due
diligence staff clearing loans for fund-
ing. It is this connection to the daily me-
chanical challenges and client that will
certainly help B2R retain an edge.
The Idea Incubator is where team
members get to pose their own sug-
gestions for improving operations and
delivering better solutions. The Lend-
A peek inside the mortgage lender’s offices reveals that this company
is nothing like the stuffy, dark bankers’ corner offices of the past.
This is more like Airbnb and Uber meets mortgage lending.
Jason Hogg told Realty411 that the
firm sees a “huge growth opportunity,
worth billions of dollars.” In fact, Hogg
says the firm has seen demand for in-
vestment property loans nearly double
as of May 2015.
B2R Finance’s CEO describes the
opportunity as being “ideal for profes-
sionals like doctors, lawyers, dentists,
and professors looking to achieve
higher yields.” He points out the com-
bination of yield and income from
an appreciating asset as a far better
option for these intelligent individual
investors, in addition to professional
investors and investment firms. He
goes on to highlight how the newly
Realty411Guide.com
is nothing like the stuffy, dark bankers’
corner offices of the past. This is more
like Airbnb and Uber meets mortgage
lending. In addition to the Dwell Fi-
nance acquisition, Jason has headed
up a three-pronged approach to driving
entrepreneurship in mortgage lending
in-house.
This includes:
1. Active listening
2. The Idea Incubator
3. The Lending Lab
There are few, if any other firms where
you’ll catch executives, including the
CEO, active in the trenches alongside
their frontline team members. Hogg
PAGE 30 • 2016
ing Lab is where Hogg has assem-
bled a team of experts from a variety
of other industries to pioneer new loan
programs for investors. It is here that
dynamic “agile development” happens
and new pilot programs are launched
for live testing with clients.
The CEO says that one of the new
game changing product tools coming
out of this lab is harnessing the power
of predicative analytics, and algorith-
mic approvals. By summer 2015, this
is expected to be revealed in the form
of ‘Instant Pre-Qualification’ using just
seven fields of information.
The result is to be an even more ef-
Continued on pg. 51
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