Residential Lending, with Ray Sturm | Think Realty Radio

Residential Lending, with Ray Sturm

Ray Sturm, with Alphaflow, helped launch the real estate crowdfunding industry and he gives his expertise on the topic. He joins Abhi and discusses how the industry has changed over the years.  They also talk about how Alphaflow has evolved to better assist real estate investors.

Data-driven underwriting isn’t so complicated and Ray explains data points and how they analyze each loan that is under review. Learn what different data points can tell you about a specific deal and get to know more about the thresholds.

Zip Codes

Ray takes us through the different zip codes across the country and discusses the benefits of secondary markets. He talks about his favorite zip codes to invest in and how to know when there is a good opportunity in any given zip code. Default rates are rising in the hot markets, but stay disciplined and look to local lenders in secondary and tertiary markets who maintain lower default rates.

To learn more about Ray Strum and AlphaFlow, send an email to

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