Transcription of Episode

Intro/Outro 0:04
Welcome to Investing Across Borders with Lauren Cohen. Every week she will share valuable information that you need to know in order to successfully invest in real estate and other business endeavors in North America. We believe in helping clients invest, live, work, and play across borders. And now, your host, Lauren Cohen.

Lauren Cohen 0:27
Good morning, everybody. And welcome to investing across borders the podcast where we explore opportunities for you to invest live, work and play across borders. I’m Lauren Cohen, and I’m your host international legal and real estate expert, originally from the wonderful country of Toronto, the wonderful city of Toronto, where my friend Michal is currently living who was going to be on the show with us today. And currently living in South Florida, where my friend Yair is currently living as well with his family. So it’s very exciting to be here with you guys today. I have special guests with me today because not only have they become good friends and trusted colleagues and strategic partners and so many other things. But Lendai, which is the company that they both represent is the sponsor of this podcast. So I’m really excited to have them here today to talk about the amazing product lines that they have developed. I was blown away, the first time Michal reached out to me on LinkedIn. And I was like who is this girl? And what does she want, but we had a conversation and it turned into another and it’s turned into one of the best strategic partnerships I think we all have and it’s a pleasure to be a part of your world. So maybe each of you could introduce yourselves. Michal, ladies first, of course.

Michal Liviatan 1:45
I’m gonna start and first of all, thank you, Lauren for having us our pleasure to be here. I’m Michal Liviatan and I live in Toronto, Canada. I’m a lender, a representative in the Canadian branch. And yeah, I mean, before I joined Lendai, I considered seriously the option of investing in the US. And I started to explore and learn more and more and more, I reached out to you and two other professionals. And together I realized the problems that we’re going to talk about today and blend dice solution.

Lauren Cohen 2:25
Absolutely. Yeah. How about you? You’re the brains behind this baby, right?

Yair Benyamini 2:31
I prefer to be the brains AND other muscles.

Lauren Cohen 2:35
Well you’re the muscle too, you are a general with the IDF. For goodness sake, I don’t get it. I don’t get somebody that’s a general with Israeli Defense Force and in reserves, and going back to Israel to serve every day of the week. I don’t I just don’t get that every day. So it’s a pleasure to have you here.

Yair Benyamini 2:51
Thank you. Yeah, that’s my second career I have. So yes, morning and pleasure to be here as well. I’m Yair Benyamini, I’m ledai CEO and one of the four co founders of the company. Lendai is, as you know, a FinTech company based web r&d Center in Israel, we have an office here in Miami. And of course, Michal is leading our offices in Toronto. And we’re basically focusing on everybody who’s living in the US, but is looking to invest in residential real estate. I’m a real estate investor, myself in multifamily single families fix and flip, I’ve done it all, I encounter the problem that we’re solving today. And I’m happy to say that, you know, 2021, having so much technology stack at being able to open the markets into the world. And this is why I love what you’re doing. Investing in cross border, if you will, you know, if we were talking five years ago, it was a whole different talking COVID, it was a whole different story. meetings where it became something, meaning now on a daily basis, we’re doing, you know, meeting from the salmon in the East Coast, on the west coast, someone in Israel and somebody in Australia, all in the same meeting, and doing business together. That’s the world we live in today. And it’s exciting to be here.

Lauren Cohen 4:06
That’s definitely the silver lining of COVID. I was on a speaking event the other day, with three women from different parts of world. One is from Calgary, and two are from the US, different parts of North America. I’ve never met any of them, but consider all of them very dear friends and trusted colleagues. And I would go to them with a personal issue of professional issue. And you know, zoom has allowed that. So definitely that’s a silver lining of COVID, which goes in line with my brand of finding your silver lining. But what I wanted to do is ask, and whoever wants to answer this, like Lendai, first of all, what does it mean? How did you come up with the name and what the heck is it?

Yair Benyamini 4:46
Yeah, so the name is a combination of two things that we’re doing. It’s basically lend because we’re lending money and AI because our engine and the decision making in the underlying system are based on artificial intelligence. And this is what we’re developing. In our Israeli r&d Center, so we just combine the two and so it will be sound much nicer and what we’re doing is as we said basically Lendai is financing Non Us Residents. We invest in the US residential market it’s mainly it could be a Canadian buying a property in Florida could be an Australian guy buying this in Georgia for example or even an American was for next but now he used to be in the US now we moved to to the UK to London to work because I will just have one class like that as a lawyer

Lauren Cohen 5:32
I didn’t even know that. That’s cool.

Yair Benyamini 5:34
But he doesn’t have a credit scoring because it’s five years already in London and he wanted to buy more properties in the US and if it goes to a US Bank they simply say Hey, sorry we can’t even understand what’s your paycheck so we won’t even talk to you. When he comes to us with a click of a button we can overcome this gap and basically finance properties and so Lendai is basically utilizing our technology in order to overcome the Korean financial and information gap in the market. You know if you go to a meeting in a US Bank and you don’t have a US citizenship or US credit scoring they won’t even talk to you if it went to a meeting in a Canadian bank or Israeli bank and you say I want to buy property in the US and say well we know your jet just fine we have no way how to evaluate the property again they will say no so what we do is build a system that knows how to look on the property in the US knows how to look on the foreign vessels in its origin country. So we evaluate the property value of the property cash flow in the US side and the creditworthiness of the foreign investor based on information from origin country we’re looking on the Canadian, the British guy in the UK or just trading in Australia and our system is basically giving us a simple very fast answer on the spot. Do we want to work with this specific person and this specific property? If the answer is yes of course, you will get an immediate offer through the system.

Lauren Cohen 6:52
So many things that are really critical, one that you’re specifically finding this is really key for my listeners because financing is often the biggest obstacle to or at least they people think Canadian clearly it’s the biggest obstacle to investing in the US well how do I get financing where do I get financing I have to buy cash I don’t have cash I want to use other people’s money. So that’s one of the things you mentioned which is huge and the other thing is immediate offer so how immediate is that you get an answer how quickly?

Yair Benyamini 7:30
So from the beginning of the process into getting the first offer, it would take three to five minutes to get an offer deal. All you need to do actually for the entire loan process including the closing, all you need to have is a computer and an internet connection you can sit at the comfort of your home in Toronto or Montreal and just click on few buttons get the offer move the next step we do all the work on the US side ordering the appraisal ordering the titles we facilitate the entire process once everything is ready to close or close it without remote or a squadron remote online notary also one other thing that COVID brought us into the world is remote online notaries in the US which wasn’t allowed free COVID and so borrowers in Toronto or in Tel Aviv and close on alone in Ohio with no zero effort just from the comfort of their own home so that’s one thing that technology enables the second thing and that’s very important what you said Linda is only focusing on foreign nationals and non residents it’s not that we’re just a regular lender that is all bunch of fingers and say hey it’s nice to have also a few foreign nationals who comes with money know from sunrise to sundown This is all we do we’re only focusing on this market This is why we built our platform specifically to those to facilitate those transactions and to help foreign nationals who will in most cases have never had a mortgage in the us understand the process goes hand by hand with and this is why we have we call it in our Canadian office This is why we have already in our is very office we have offices all around the world so we can facilitate speak with the borrowers in their oral language we know their culture we know their banking system this is what we build it the way that we did

Michal Liviatan 9:11
and I must add that fast and convenient financing process it allows the investor to be competitive and it’s it’s critical it’s a crucial thing because because if a Canadian goes to the bank you know we’re talking about the big banks they offer the financing but it’s gonna be a monster Yeah, you’re gonna go into a journey with a bank and emailing and dealing sometimes not with one representative with there’s so many people you know one is taking vacation and one is not feeling well and now the deal is gone. So I think that

Lauren Cohen 9:50
becomes a Bala gun, a big mess. Just a big mess. I use that word on this podcast all the time because we deal with a lot of this

Michal Liviatan 9:58
and I feel like with that The situation in the market right now in the US when it got so crazy, you have to stay competitive. And you have to get the deal done right here right now. And you won’t be able to do that with the big banks. So you get a

Lauren Cohen 10:13
pre approval. Yeah, but not just

Yair Benyamini 10:16
the pre approval lender is already closing transactions from application to closing funding within 14 days. So if we are the fastest one, actually we did was 13 days. So if you want to stay competitive in this market, and has to be able to put on an offer, but not just saying, Hey, I know how to move fast, actually do it fast, because otherwise, the sellers in the US will say Well done, don’t bring back by all cash. But not everybody has old cash. And not everybody, even if they have the cash, they don’t want to spend all this one transaction. So when you’re going to the bank, and you want to buy the financing, it will take you a month or two months. But what Linda is offering a bonus is go with the financing, but feel like again, without because you have the financing in place. But the timing, and the ease of the process is like you’re buying all cash. And this is basically our vision. And this is the goal, and why we spend so much money in building the infrastructure that

Lauren Cohen 11:08
we did. I mean, it’s essential, because really, the market lacks services for people that are investing into us real estate from other countries. That’s right, the conditions required for people to access lender funding.

Yair Benyamini 11:26
So first of all, the lender is focusing on investors for enough investors. So all the transactions have to be made through on an entity in the US, most of them of course, LLC is but it could be any other type of US based entity. And actually, that’s the recommendation. As far as liability and tax wise, for everybody. Even if you’re not doing financing, do it through a company, it’s much faster and much smarter. The second thing, we need to look on your properties in the US. So you need to get your stuff organized. If you you have the LLC documents, so you have to have the operating agreement and the Certificate of Good Standing, we have to make sure that you have all the documentation in place on the property, of course, you need to show us that the property is listed, we need to see a lease agreement when a property is managed by a third party. So when the management company agreement, and so forth, that’s the property side and the yellow. So I’m just

Lauren Cohen 12:14
gonna throw something in just for clarification because it’s not owner occupied. And that’s a key investors non owner occupied. So if you’re planning to use this as your second home, I mean, you could use it for short term, I’m sure but it can’t be your principal residence, you can’t be moving to this property to use as your principal residence or anything like that, then you wouldn’t qualify for funding. Also at the moment, you’re only funding long term rentals, not short term rentals, right?

Yair Benyamini 12:43
Yes. So first of all, it’s very important, we do start that the initial product that we have is the long term rentals as a non owner occupied, we do have now in the pipeline, those two types of products, the short term rentals and of course, the second homes, Canadians that UK market, those are people that loves to buy a second home Florida and Arizona, it will be assumed in the next few months, I will start to service those markets as well. But at the moment we’re focusing on either somebody buying now, a new purchase of a rental investment, or it could be not just one could be a portfolio for few of them. And actually 90% of the transactions that Linda is doing these days are what we call our cash out refi. It’s not even it’s not a real cash out refi it’s really our first finance. But if you know the US market, there are more than $400 billion of residential properties being bought all cash by foreign nationals in the last 12 years since the credit crunch after the 2008 crisis. And there’s a lot of equity stuck between those walls. Getting to those borrowers. And let’s say I’m a Canadian who bought a property in South Florida and $300,000.02 years ago. Now this property is worth around $600,000, because this is what happened with the crazy market in South Florida. But if I want to enjoy this equity, this was created in the property. The only way if I’m going to do it without financing is selling the property. What’s the big problem there, it’s a cash flow property I don’t want to sell, I want to keep it until the pension. Second of all, once I sell this property, that’s a tax issue. Now I need to pay capital gains tax. So even though it went up in $300,000, now I need to pay $100,000 or more just in Texas, and this is something nobody want to do. So the best advantage in cash out refinance is you keep the property the cash will keep coming in the loan is for 30 years. So the amortization is very long, the monthly payment is very small. And it’s not a tax event. So you don’t pay anything on top of that. It’s not just it’s not a tax event, all the costs, and that’s amazing in the US that it happens, all the costs around transaction, their management that the appraisal and the title and our fees around the closing of the room. All those costs are tax deductible. So it’s not just that you’re not paying tax. You even get tax deductions on your General incomes in the US. And this is why we’ve seen such a big search, because and this is important to understand where does the market in the US is today. So if I can show you that the grasp of this in the market today, not just in Florida all over the state, our property prices are in the highest level they have ever been. So we’re ever It’s crazy. And it’s much higher than it used to be. But the other side of this equation, I mean, it’s of course, there’s some correlation between those that the interest rate or it’s in lowest, exactly. So the delta between where the property is now and what’s the pay is interest have never been larger than today, which means that today, and in the last actually few months, and now we just see the interest rates starting to rise again. So now it’s really is that time to refi. Before that, it will go back again, today, it’s the if you own one to 10 or 100 properties in the US. Now it’s the best time to cash out on those properties get as much as equity as you can. And of course, we invested in the market. So I’m not saying buy in the same prices. But you can what we see a lot of our borrowers are doing, they have a property in Florida, it went up now we just they bought it in $600,000, now worth a million dollars, they cash out, they call $500,000. And they don’t invest it again, Florida, but they go to Ohio, or to Michigan where the property prices are still low. And with this $500,000 they can buy three to four properties in Ohio. So now they keep the property in Florida cash flowing property, and they have another fort in Ohio and Michigan. That’s amazing. They now are real estate investors

Lauren Cohen 16:35
globally. Right. And it also gave frees up cash for them to do stuff elsewhere as well. So it’s the point. Yeah, it’s a great opportunity and a great option that really hasn’t been available. And it opens a lot of doors. And I think it’s just a matter of making sure that people understand the scope of what you guys are offering. It is amazing. Now, McLeod tell us a little bit about the rates and how they compare since interest rates are still low. What are the rates generally with Len dye, and what is the loan to value ratios that

Michal Liviatan 17:10
you write. So at the moment, the rates are between four to five, we are not keeping a wide range, but we try to keep it very, you know, onpoint and ltvs, up to 60% for a cash out refinance, and new purchase loans. I think that I hear you guys talking. And I think that it’s important to also say that, as a b2b business model, we are collaborating partnering with other professionals that makes this whole product like a community. So now I have you Lauren as a partner, and I have other professionals that are giving their due diligence to each deal. So you know, it’s important to cover that financial gap, as he mentioned, but also I feel like on my side of the job, I create this community, and hopefully this community will turn into a movement where making mortgages accessible to foreigners in such a fast and easy way. It’s just something that you’re saying to yourself, as an investor, you’re saying to yourself, Oh, that’s interesting, I should talk to these guys, you know, not only they’re competitive, and giving the rates to ltvs, that, you know, that are suitable for us. But also, we’re a part of a whole community and professionals that giving their due diligence on the deal. And in the Canadian side, I couldn’t believe and I was amazed to see how people that are taking mortgages, you know, conventional mortgages with the bank, it’s almost like the first ones to do so. And Canadians are investing in the states for many, many years. So how that can happen that if a client still feels like it’s the first time like I’m the first person who’s, you know, was getting financed with a deal in the States. So yeah,

Yair Benyamini 19:11
I might add on that. And contacts are very important now, because we need to understand what’s the profile of the foreign nationals and specifically with COVID.

Lauren Cohen 19:21
For nationally, please repeat that.

Yair Benyamini 19:23
I’m saying that it’s important to understand the profile of what’s going on now with COVID where it’s very hard to move to New York to go on a flight to the US it’s not always available with COVID restrictions. So a lot of you know that learn. Yeah. It’s really is a problem and what we see that’s happening a lot of times that people are forced to buy a property without ever seen just relying on the boots on the ground. They have the realtor or someone else but the real problem with this.

Lauren Cohen 19:54
Hey, now watch it. Look, watch it.

Yair Benyamini 19:59
The real problem was And they work with a professional in the US. But you know, you always wanted to have somebody double checking what you’re buying, because you’re not with boots on the ground.

Lauren Cohen 20:08
Sure, there’s a lot of money being exchanged, and you’re not, you know, I just had a client decide that they want to waive inspection on a property, they’re buying for personal use, and they’re not going to even see the property. And I’m like, Don’t waive inspection, it’s worth a couple $100. But people are doing this every single day, they’re taking the risk, and they, it doesn’t make sense to me, but you know, it is what it is.

Yair Benyamini 20:34
So when you’re talking about your second home, one might say, Okay, I was gonna live there, and I was we’ll deal with it. But when you’re talking about investment properties, yeah, make sure that you get your the right returns. So what’s any financing not just even Monday, that’s any financing everywhere all over the world, when you’re taking a financial institution to go with you into this transaction, basically partnering with the with the banker with the lender, which means if you have our team and our technology, doing the underwriting and the double check on this transaction, because if we will think and we have, you know, a team that are more than 30 years, professionals in the US real estate market as underwriters as investors, so if our team will think that this is not a good transaction, another good investment property, we want finances, we will find it only if it makes sense. So they’re not paying us

Lauren Cohen 21:22
for actually doing their due diligence for the client. Because if you’re not willing to finance it, it may not be the best choice.

Michal Liviatan 21:29
That’s right. And then the client can say, Okay, I won’t go ahead with that deal. Right,

Yair Benyamini 21:35
we had a lot of transaction. For example, a very smart investor, it was not his first property. But he didn’t check what by the title side. So we saw that our liens on the property, mechanical liens, and all other financial, hey, there’s a red flag here, before you buy this property, make sure that he’s fixing those things and taking them off, otherwise, you will stuck with hundreds of 1000s of dollars that you will need to pay after you buy those this portfolio. In other places, we have invested that we did that occur Shopify on a portfolio of five properties in Georgia it was and the cash flow is good, the money is flowing every month. But when we send our guys to check and evaluate the properties, we see, it was amazing to see the report, they say, the kitchen floor is sinking into the basement, and I couldn’t get into the basement because it’s filled with mold. And he’s an investor he lives of overseas, he thought that everything is fine with the other great management company in the US and the property is amazing. And suddenly see that his property is full with mall, this sink into the basement. And of course, we couldn’t find this this property, but we thought well, we can find two others take the money, renovate this property, get to watch it. And then we’ll finally finance it right? These due diligence is a crucial specifically for somebody who’s buying remotely and doesn’t have the boots in the ground, he may be his first or second or third property. So he doesn’t know all the bits and bytes of how to invest correctly in the US market. It’s a whole different market and the Canadian or the British are these red. So that’s one very strong point that I have to say. Another thing that I want to mention, is lowering the risk through financing. And what does it means. So let’s take an example. I have $100,000 in my pocket, and I want to buy property in the US, I go to the markets that I can buy a home, it does not let’s say Michigan, for example. And I put all my daughter’s in one house. Now something happened, termites ate the property a hurricane came or whatever, we just have a terrorist was not

Lauren Cohen 23:32
to Michigan, that’s

Yair Benyamini 23:35
a Florida example to Michigan. Yeah, the snow just collapsed, collapsed out, that’s gonna be more like. But in any case, if something ever, ever just I have a bad tenant, he’s not paying the rent all my eggs in one basket. What’s fun is he does even if we take low funds, let’s say 50% LTV. So now I have that $100,000. But I put 50,000 in this property and another 50 in another property. So now I have diversification in my portfolio. So if something happened to one property, I still have the other one, still paying the rent. And of course, if you did more and more, so you just divide your property or your funds on more places. So that’s another thing. The final thing that we said it’s lowering the risks, first of all, via due diligence of the lender. Second, by diversifying the investment on fewer properties. And of course, it will give you higher cash on cash returns. Because if you’re doing smart and this is why the best thing in real estate, when you compare it to the stock market, for example, he’s been able to use other people’s money as if the stock market you have $100 you can buy shares in on the dollar, but that’s it. But in real estate you have on the dollar, you can buy properties in $400,000. And that’s the big magic and this is why everybody all the smart investors from Warren Buffett to the average Joe on the street, buy real estate where they can and I really would like the phrasing of the way to buy real estate, buy real estate and wait because it will always eventually go up. So those Those are just a few of the advantages of thinking of financing. Now, even though it doesn’t have to be by a lender, of course, we do it faster, easier and smarter. But any financing in the real estate market, people somewhere said, No, I’m taking a mortgage. So it’s make my risk bigger, it’s right, you need to pay the mortgage. But it will help you make sure that the property for the long period of time will be cash flowing positive, because somebody is making sure that you did a good transaction, and you lower your risk because you diversify your investments. So those are two very important things that I wanted to say.

Lauren Cohen 25:33
Mr. McLeod, do you have anything else to add?

Michal Liviatan 25:37
Just thought about all the investors in the world I mean, comparing you guys are talking about other investments. So when you go with crypto, or you put your stocks in Apple in the 80s, you didn’t see the stock? You don’t know how Bitcoin looks. It’s not in your mind. But when you investing in real estate, you do need the right people to go with you. And the right network. So these days, I’m working on rolling a lender is network in North America, you know, we’re also growing our network in Australia and England, and Israel. But the bottom line is, yeah, I hear what you’re saying, I agree. You just need the right people, the property management’s the realtor, you know, the legal, the lender, and everyone that goes with you to do the right thing, the right deal for you, whatever fits your needs. So I’m inviting everybody to join us for the ride.

Lauren Cohen 26:37
But we’re sharing the link in the show notes and in put it on YouTube as well. And it’s been very exciting to partner with you guys, because it brings my clients value add so that they have an option, especially when they’re investing from another country into the US, which is most of what I do. And you know, it really provides a solution. I do have competition right now, are there competitors out there? So I will

Yair Benyamini 27:07
address it just one thing, I want to address what we have said in the real estate market specifically, not even when you’re a local investor, but you need to build yourself a group of people that walk goes with you for a long period of

Lauren Cohen 27:18
time in my business, that’s exactly the key. Yes, yeah.

Yair Benyamini 27:23
And this is actually why we see our borrowers 70% of our borrowers are returning to get another second or third loan or even the fourth, because we become part of the network. And we want to help them grow their business as they help us grow our business. So they have the property manager, they have the legal work, they have the lender, really building a team that helps you scale up your business. And this is very specifically when you are an offshore investors, it’s very important to have the right resources with boots on the ground. And then that could be part of your network. If you have the realtor and the lender, and everybody that is working with you to make sure that your business investments in the US will be better. So that’s at once is that your questions as far as competition. So like everything in the world, you will always have a competition that there are some Canadian banks, as we have said that are do lending for Canadians. But the problem is that the process is very, very long. And it’s very, very not tech savvy. And you need to do a lot of legwork, as I say, and it’s not a click of a button from the computer. They are

Lauren Cohen 28:24

Michal Liviatan 28:27
very old fashioned. Yeah,

Yair Benyamini 28:29
yeah. What our platform and our technology enable us is that the borrower can get the initial offer, it’s three to five minutes. And to close on the entire loan, the borrower needs to spend between half an hour to an hour and a half in total, including the signing of the documents. So uploading everything answered the questions, signing documents for Bauer with Monday, it will be faster to get a loan in the US, then to take a loan on his property in his origin country, you know, just the time it will take and go down to the car, drive to the bank, wait in line, ask the questions. And this time, he would already close his loan, the US lender, and we do have competitors that are very has competitors. But I’m happy to say that none of the competitors in the market are not even close to what lamda is doing. Just to give you a sample, the average time for an American lender to lend to an American citizen is 41 days from application to closing the average time the lender is seven to 21 days. And when the American lenders need to force you to go to him, sign the documents in front of him, bring him a lot of email correspondence with them by everything is in one platform with a full stream and process that takes you much less documentation and much much, much less time. So it’s not that we don’t have competitors, but we’re positioned ourselves in a whole different place.

Michal Liviatan 29:50
I would like to add to that inside the criterias of lendy. So for example yesterday, I had a conversation with a client and he mentioned oh you guys don’t seasoning, for example. So being part of, you know, taking the, our product to be tailor made for the foreigners, that’s part of it, where in the burn method, we go into the refinance, and the client don’t or the investor, they don’t need to season the property. So that’s those little things, those little criterias that are slightly different, but they change a lot.

Yair Benyamini 30:29
Yeah, and I want to just, I don’t know if all our listeners know what is the burn method. So the birds the bees are method, that’s the best way and the best model to invest in us real estate. What does it mean is the first days of course, by you need to buy a property, then the first hour is renovated, because you bought it under the market value if you could, and you need some renovations to do, and then you rent it, that’s the next art we put in a tenant to starting to pay your rent. The next thing is to refi basically cash out, take back your equity. And that is where Linda is coming into place, of course. And that was the part that was close to foreign nationals before Linda came into the market. And the last is repeat, just do it over and over again. So you take $100,000 you buy property in 80 renovated in 20, the value of putting a tenant now this property is worth 150, or 160, because it’s a good property that you had a good deal. Now you cash out, you take back $80,000 and go with that die and buy another property this time with financing. So it’s basically buy one get one free, except of closing costs, because we cash out from day one, and we find this the next one. So we’re just building a larger portfolio with very ease of use, and it’s making me a better investor base and give you higher returns and much more stability to your portfolio.

Lauren Cohen 31:47
Got it? Amazing stuff. So what I’d love to do is just close out with how do people find you guys, obviously, as I say, we’ll put my link in the show notes. But if the quick summary of where people find you, how they can connect with you, and so on, please.

Yair Benyamini 32:05
So first of all, there’s our website That’s the easiest way we work with global network of partners, the partners can be real estate developers, real estate brokers, entrepreneurs, property managers. So in almost every market that we work in, and we currently work in 11 US states, if you go to a real estate guy and ask him, Hey, well, I want to get a financing on a property and I’m not an American, they would have directly for alumni or if they haven’t, so you can just tell them, hey, look at this company, start working with them. And then he will bring it to us. Of course we have our LinkedIn page, we have Facebook page, we’re all over the network. You can read about us. We’ve just had a nice article read about a Sunday New York Post last week. So if you read the news, a post, you probably saw it. So we’re very approachable. If you’re a Canadian that we call them, the probably the one that will connect you, if you’re from Australia, from Europe from Israel, be connected to our Israeli team over there.

Michal Liviatan 33:00
And I just wanted to add that there is also one Lauren Cohan that they can reach. And

Lauren Cohen 33:07
me Unfortunately, there’s a lot of me, but nobody that has a lot of free around. So very popular.

Michal Liviatan 33:15
So yeah, it’s for our partners, and if not for our partners all over, you know, all over any platform. If it’s Canada, then I’m here.

Yair Benyamini 33:27
Yeah, but if you’re listening to this podcast, so the best is just to go to learn. And then she will directly for a real tour, she will bring you as a partner. If you’re a borrower, she will help you onboard as a borrower. She’s your go to girl.

Lauren Cohen 33:40
Yeah, go to go. Well, thank you very much. I wish everybody a wonderful rest of your day. And thanks Michal and Yair for joining us. And, you know, we’ll have you back again. And thank you so much for sponsoring this investing across borders podcast. It makes it more meaningful to have a sponsor like you as part of our world. And we do appreciate it very much. So thank you. And wishing everybody Today I’m Lauren Cohen, international legal and real estate expert and cross border specialist signing off for investing across borders. The podcast, we’re almost at Episode 52. I think this will be Episode 51. So you guys are almost a year mark you got in right before. So I’m looking forward to going into my second year of investing across borders. Please do subscribe to the podcast. It’s on all the applicable channels. And I look forward to working with each and every one of you and having the opportunity to help you invest across borders so you can truly invest live, work and play anywhere in the world. Thank you so much. Have a wonderful rest of your day. Bye for now.

Intro/Outro 34:51
Thanks for listening to Investing Across Borders with Lauren Cohen. Make sure to check the show notes for any links and for guests contact information. If you have questions for Lauren, please reach out to her at If you enjoyed today’s episode, please subscribe, rate, review, and share the podcast with a friend.