SPEAKERS

Arnie formed Income Property Lending (IPL) in September, 1995 as a division of the All Star Group, Inc.
He serves as President of IPL and is a corporate officer of All Star Group.
Prior to employment with IPL, Arnie was Vice President of Commercial Real Estate Lending for Pacific
Thrift and Loan, and he was a principal of United Commercial Credit Industries (UCCI). Previously he
held the position of Vice President/Sales Manager and assisted in the training and development of the
marketing staff while employed with Foothill Thrift & Loan / Foothill Capital Corporation for 9 years.
Mr. Garfinkel has been a featured speaker for various organizations, including - California Association of
Mortgage Brokers, National Association of Mortgage Brokers, California Mortgage Bankers Association,
Building Industry Association, American Industrial Realtors Association, R.I.A.O.C., and Crittenden
to name a few. Arnie produces many events for other organizations including the Soulland Regional
Association of Realtors, Long Beach Commercial Real Estate Council and the California Lodging
Investment Conference aka [CLIC].
He is past president of the Tarzana Chapter of Toastmasters International and served as a Board of
Director and Vice President of the Southern California Chapter of the Florida State University Alumni
Association.

I have been involved in the real estate industry since 1988 and directly involved in the buying, selling, brokering, managing, underwriting, developing and auctioning of over $10B in commercial real estate assets across the United States in all product types.

In July 2021, I joined Kidder Mathews as the Regional President, Brokerage, with the responsibility of overseeing and managing 3 Southern California offices and 1 Arizona office consisting of approximately 150 brokers, property managers, appraisers and support staff.

In October 2024, I was promoted to President of Brokerage, responsible for overseeing approximately 600 brokers, appraisers, and support staff in 21 offices in the 6 western states we cover.

In March 2025, I was elevated to Chief Operating Officer of Kidder Mathews, responsible for all divisions including brokerage, asset services and asset valuations and the over 1,000 employees and contractors that work with the company.

Prior to Kidder Mathews, I was 1) a Founding Member of Topside Real Estate, a boutique firm designed to help our clients maximize the value and efficiency of their real estate portfolios, 2) Managing Principal for Cushman & Wakefield, responsible for the Company’s Orange County and Inland Empire offices, with 180 employees focused on all aspects of commercial real estate, 3) Co-Chief Executive Officer enlisted to form Auction.com Commercial, an entity focused on transacting third party, commercial real estate and non-performing loans utilizing an online based auction platform, 4) Vice President-Acquisitions/Dispositions for LNR Property Corp with the responsibilities of acquisitions and dispositions nationwide, and 5) Vice President at CB Richard Ellis focused on investment sales of commercial real estate.

I hold officer positions and sit on multiple boards of real estate, non-profit and charitable organizations, including NAIOP So Cal (Past-President/Executive Committee), a 1,300-member national commercial real estate organization, Building Block Foundation Fund, CDM High Alumni Association (Co-Chair), Speaker Chair of the Round Table of Orange County, and the CDM High School Girls Tennis Foundation (President).

Catherine is based in Los Angeles and serves as the Director of Market Analytics for CoStar's Los Angeles market, covering office, retail, and multifamily product. She has held positions mainly in asset management at Heitman, American Realty Advisors, Unibail-Rodamco-Westfield, and Manulife Investment Management. Prior to joining CoStar, Catherine was the Senior Investment Research Manager at VTS, working with institutional clients to analyze data aiding in market analysis, leasing, and investment strategies. She holds a bachelor's degree in Finance from the University of Illinois at Urbana-Champaign.

Fred Ornelas is Regional Manager at Axos Bank (formally known as B of I Federal Bank). With over 30 years of multifamily and commercial lending experience, he has originated more 3,000 multifamily and commercial loans totaling well over $2.0 billion. He has been with Axos Bank for 8 years and remains consistently among the top 3 producers every year. He attributes his success to thinking outside of the box and his hard work ethic.
Mr. Ornelas earned his Bachelor of Administration in Business Administration with a concentration in Finance from California State University, Fullerton. He also holds California Real Estate Broker license.

Real Estate Attorney: John Baker of Baker Law Group is a real estate attorney in Irvine. He brings
over 30 years of experience of advising businesses and real estate people on their legal
strategies. His clients have included banks, real estate developers, investors and fiduciaries.

Throughout his practice, he has sought to find creative yet practical solutions to clients’ legal
problems. As he says, he solves problems.

While he has a broad understanding of real estate, he likes to focus on two areas.

Loan Documents: He reviews and creates loan documents, including promissory notes, security
agreements, trust deeds and other loan related documents. Back when creative real estate gambits
were the only way to get things done, he is familiar with exchanging, carryback loans, and all
inclusive deeds of trust, among others.

Title Issues: Easements are a big part of his practice. If there is an exception on that
preliminary title report that is keeping you from closing, he can help. Not only does he draft
and review the documents, he also represents clients with real estate issues in lawsuits.

Patrick Bishop has over seven years of experience in small business lending dealing with a variety of industries. Patrick has served small business owners in areas of real estate financing, ground-up construction, debt refinance, equipment financing, business acquisition loans, and other business needs.

Patrick started his career with Celtic Bank in 2014 as an intern. He went on to hold positions as a credit analyst, credit underwriter, and senior loan officer with other lending institutions before rejoining Celtic Bank in 2021.

His clients appreciate his insight and the tailored lending solutions he provides. Patrick has a Bachelor’s Degree in Business Administration with an emphasis in Management from San Diego State University, California.

Ben Maggard has worked in commercial real estate for over a decade. He is VP, National Account Manager of Chicago Title’s National Commercial Services division in California. Ben joined Chicago Title in 2016 and has been a valuable addition to the team. He plays a crucial role in his clients’ transactions and prides himself in his work ethic. His responsiveness and professional service has given his clients a sense of confidence in entrusting him with their business. Ben has always been a loyal employee who is respected and appreciated by his employers and colleagues.
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I enjoy the friendly work environment and teammates at Chicago Title, and believe that the team environment is essential to the success of the organization.

Ben grew up in Orange County and attended Corona del Mar High School where he was a multi-sport athlete and received the player of the year award in baseball in 2005. The following year, he joined the baseball team at Chapman University where he attended college and graduated with Bachelor’s degree in Business Administration. Ben currently resides in Costa Mesa with his wife and two sons. He enjoys playing golf, going to the beach, and spending time with his friends and family.

Peter has 26 years of experience in the banking industry providing various financial services in the areas of management, operations and sales.. He is responsible for directing and developing new clientele to the bank with revenues ranging from $1 million to $100 million.
His career started as a bank teller with Wells Fargo Bank. Peter’s previous positions have been in management, operations, credit underwriting, sales, marketing, and managing a $30MM real estate portfolio.
Peter holds a Bachelor of Science in Business Administration with emphasis in accounting from DeVry University at Pomona. Moreover, Peter has received his Executive MBA from Loyola Marymount University at Los Angeles. In addition to his academic education, Peter has completed various credit lending programs through Wells Fargo Bank, Bank of America and Wachovia Bank.

David Rosenthal, MAI, FRICS has over 30 years of commercial real estate appraisal
experience working with lenders, equity sources, attorneys, and public agencies. Prior to
co-founding Curtis-Rosenthal, Inc. in 1983, he worked at Security Pacific National Bank as
a corporate banker. He has an MBA from the Kellogg Graduate School of Management at
Northwestern University, and a BS in finance from the University of Florida.
He lectures on real estate at UCLA and Loyola Marymount University, and is a frequent
author for commercial real estate publications.

With twenty years of experience in income property lending, Lindsay has played a critical role in the closing of over $2 billion in income property loans. Prior to joining EverBank, Lindsay worked for regional and national lenders as a loan production officer and top producer’s associate. She has a great deal of experience in income property analysis, loan processing, deal coordination, and originations. Her comprehensive knowledge of the loan process from origination to funding, make her a great asset to any transaction.
Lindsay earned her Bachelor of Business Administration and MBA from Loyola Marymount University.

Michael Bueche

John MacLean is the Executive Vice President of Fidelity Mortgage Lenders, Inc., and heads up the Company’s Loan Origination, Loan Servicing and Escrow Departments. John is a 25-year banking executive and has funded in excess of $1.5B of commercial, multifamily, hospitality, bridge and construction loans.
Prior to joining Fidelity, John was SVP of Commercial Real Estate Banking at Banc of California for 5-years and held the position of Executive Director/Senior Loan Consultant, for JPMorgan Chase’s Commercial Term Lending Division for over 10 years. John also held several Senior Management positions in Loan Servicing for over a decade with Washington Mutual Bank and Home Savings of America and was also involved in selling and securitizing thousands of SFR and Commercial loan portfolios.
John received his Bachelor’s Degree in Economics, at San Diego State University and has been a Licensed Real Estate Broker since 1993. He is active in his community and served on the Board of Directors of Habit for Humanity for 12 years and is currently an Assistant Scout Master, for the Boy Scouts of America. John is married with three teenagers and lives in Westlake Village, CA.

David R. Flamer, C.P.A. is the principal in the firm of David R. Flamer, An Accountancy
Corporation, with offices in Agoura Hills and Channel Islands Beach, where he emphasizes
tax and small business consulting. Prior to his association with that firm, Mr. Flamer worked
within the Tax Division of Arthur Andersen & Company in their Los Angeles Office.
Mr. Flamer received his B.S. in Business from the University of Southern California in
December, 1984, and has been a California C.P.A. licensee since 1989.
Mr. Flamer is a past chair of the California Society of C.P.A.’s Los Angeles Chapter’s Taxation
Committee, and is a current member and past Chair of the Society’s Statewide Committee on
Taxation. Additionally, during the period from 1997 to 2000, Mr. Flamer was an appointed
member to the Administrative Committee of the California State Board of Accountancy.
Mr. Flamer regularly addresses the tax compliance and tax planning needs of his diversified
clientele. He has worked closely with the Internal Revenue Service, California Franchise Tax
Board, California Department of Tax and Fee Administration, and other taxation authorities.
This contact is both on behalf of clients, and to find “common ground” in the context of
determining best practices of taxpayer service in the furtherance of each agency’s goals.
Mr. Flamer has authored several articles and appears before live and radio audiences on a
regular basis.
In his spare time Mr. Flamer is avid boater and automotive enthusiast

Valerie Hapner grew up amid rich cultural diversity in Montreal, Canada, and her ability to speak four languages — English, French, Spanish and Hebrew.

At Forbix Financial, Valerie has many of the resources needed to facilitate a variety of residential and commercial projects. Valerie has 13 years of experience in real estate investment, development, brokerage and lending. She has been involved in deal origination, acquisition, debt restructuring, joint ventures and has financed properties across 20 states.

As VP of Originations at Forbix, Valerie helps developers find the right source for funding and identify appropriate exit strategies for each undertaking. While she works with a variety of commercial and residential clients, she specializes in financing existing and new construction apartment projects.

Valerie is passionate about healthy eating and active living. She is a world traveler and continues to enjoy connecting to new cultures.

Bio to be added

KeyPoint Credit Union is a commonsense lender. Our key competitive advantage
is certainty of execution once we initially vet out a deal. Our pass through rate is nearly 100%
from initial letter of interest to funding. If you are looking to purchase a business SBA 7A
lending is a very solid option. Keypoint Credit Union is well-versed in change of ownership and
partner buyouts. The SBA has recognized Keypoint Credit Union as an SBA Preferred Lender in the
SBA’s Preferred Lender Program (PLP). What this means to you is the SBA has authorized Keypoint
Credit Union to make lending decisions on their behalf. Loan proposal do not need to go to SBA for
approval, which helps streamline the process. If you are looking
to expand your business and need working capital

A prominent figure in the commercial finance industry, Dain K. Court has over a decade of experience working in real estate finance. After obtaining a degree from the University of Southern California, Dain successfully cultivated a career in financing. An entrepreneur with keen business acumen, Dain served as Senior Vice President/Business Development Officer for Plaza Bank, established Court Capital, a commercial real estate finance brokerage, served as CEO of New Day Trust Mortgage, and was a founding member of First Direct Mortgage. A man of many hats, Dain has a background in film production. He earned an Emmy nomination for his role as Unit Production Manager for the AIDS Project Los Angeles documentary, “Heroes.” Dain believes in personal and professional balance. When he isn’t financing highly complex commercial transactions, he enjoys spending time with his wife and two children.

A founding Principal and Chief Experience Officer (CXO), Jenny Redlin, REPA, brings unique
expertise and experience as a 20-year environmental and engineering consulting industry veteran.
Her mission as CXO is to enhance the client experience across all touchpoints at Partner, ensuring
seamless, high-quality service.
With her strong environmental science background and a deep understanding of the commercial real
estate business process, Ms. Redlin has become the leading expert in all things relating to
commercial real estate due diligence. She has gained valuable knowledge and know-how from having
been personally involved in the details of thousands of real estate transactions for various client
types. She understands the specific needs and scopes of work required for all parties involved in a
transaction. Ms. Redlin’s due diligence resume includes advising lenders and real estate investors
on a wide gamut of due diligence. This knowledge allows her to offer the most efficient and
cost-effective solutions for a wide array of commercial real estate transactions.
Ms. Redlin has extensive experience managing all aspects of due diligence for nationwide and local
clients. Real estate investors, redevelopment agencies, financial institutions, insurance lenders,
and real estate equity funds have come to rely on her advice and judgment to help them with their
real estate business decisions. Ms. Redlin is a dedicated professional who takes pride and pleasure
in meeting her client’s needs and spearheading and assembling the
team with the expertise to handle any issue that may arise during the transaction.

Gina Koenen has been commercial lending officer with Provident Bank for over 11 years and in commercial lending for over 15 years. Gina not only works in Commercial lending but also does a lot of training for residential lenders to teach them how to understand and increase their market with commercial loans. Before joining Provident Bank, Gina worked with various SoCal banks and even served in the USAF out of high school. Gina is also a graduate of Commercial Lending School with Hyperion.

Cliff has over 30 years of comprehensive commercial lending experience with the past 20+ exclusively in the SBA arena. Prior to joining ReadyCap Lending, LLC, he served with several lenders as a SVP with their nationwide SBA lending divisions. Notably he has worked in business development and sales management roles for Borrego Springs Bank, Temecula Valley Bank, and Truckee River Bank. Cliff has extensive experience and knowledge in lending, notably with complex SBA transactions and special use property. Taylor received a bachelor’s degree from the University of Nevada, Reno.

AJ

BIO GOES HERE

Randy Jones is Business Development Officer and Senior Vice President with Spectrum Lending, based out of Irvine. Spectrum does mostly owner-user lending, and specializes in SBA 504 loans, that provides up to 90% financing. Randy joined Spectrum in 2011, and his market concentration is Long Beach, the South Bay and the West Side.

Before joining Spectrum Commercial Lending, Randy was an SVP with Bank of America in the same capacity for 14 years.

He is a graduate of Kent State University and Case Western Reserve University, both in Ohio.

Randy enjoys real estate investing and working out in his spare time, as well as international traveling. He has been to 15 countries.