Bill has 31 years of commercial, residential and multifamily brokerage, lending and development experience. He began his career selling land and commercial buildings in Silicon Valley. After two years of graduate school, Bill worked for a series of multifamily mortgage banks, including EF&A, ARCS Commercial Mortgage, GMAC Commercial Holdings, Capmark (KKR/Goldman) and Citi Community Capital, originating in excess of $2.5 billion of multifamily loans, primarily through the credit enhancement of multifamily housing bonds. Bill began financing real estate borrowers with short term capital needs in 1996, both for his own account and in combination with outside investor capital. Additionally, Bill has both rehab and new construction development experience as a principal.Vale is a Primary Affiliate of OneSource by PCS, an online lending and investor services platform created by a team of highly skilled real estate professionals with long and successful track records in lending, development and property management. OneSource and its principals, partners, affiliates and investors have funded nearly $1 billion of private real estate loans since 2009.Vale and OneSource provide direct loans. We also provide private lending resources to skilled, private lending affiliates ("Affiliates"), thereby substantially enhancing their pool of available capital, their back office capabilities, and their funding processes.Our loan programs include purchase, bridge, cash out, fix & flip, estate settlement, rehab, foreclosure lines of credit, new construction, build to suit and mini-perm financing. Properties financed include non-owner occupied residential, multifamily and commercial. We're driven to make private lending transparent, efficient and predictable, and to do so at rates at the lowest end of the private money lending space.