Short Bio: Dr. Souza has 32 years of experience in the commercial real estate industry. Prior to working as Vice President - Business Development and Associate Broker, SearchLight Lending; Real Estate, Financial and Investment Economist for Pillar6 Advisors, LLC; Chief Investment, Real Estate and Financial Economist, Economics Applications, Inc. (Johnson Souza Group, Inc.); Vice President - Data Analytics and Research Director, Greensparc; and Chief Economist, CapitalBrain.co (Monetarex, Inc.), Dr. Souza worked for New York Life Insurance Company/NYLIFE Securities as a Financial Services Professional; Charles Schwab Investment Management (CSIM) as Managing Director - Index Services; Chief Economist – Managing Director with Global Real Analytics (GRA); and Investment Advisor for Quantum Financial Network (QFN). Dr. Souza is a Registered Representative and Investment Advisor, Real Estate Consultant, and licensed California insurance agent and real estate investment broker providing economic and investment consulting services to retail and institutional real estate investors. He has also held senior positions in strategic portfolio research and analysis with BRE Properties, Metric Realty Advisors, Mellon-McMahan/MacFarlane Partners, Norris/Beggs & Simpson and Grubb & Ellis. Dr. Souza holds undergraduate and graduate degrees in several fields including: accounting, finance, economics, public administration, information systems and political science; and a Doctorate in Business Administration (DBA) with a concentration in Corporate Finance. He has also been teaching college level courses for the past 25 years in Real Estate Principles, Practice, Economics, Valuation, Law, Housing Policy, Investments, Finance, and Development; Corporate Finance, Macroeconomics, Financial Institutions and Money and Banking, and Derivatives at Cal. State East Bay (Hayward), Golden Gate University (GGU), San Francisco (SFSU) and San Jose (SJSU) State University, Santa Clara University (SCU), University of San Francisco (USF), and Saint Mary’s College (SMC). Dr. Souza is a Counselor of Real Estate (CRE), a Fellow of the Royal Institute of Chartered Surveyors (FRICS), and Certified Commercial Investment Member (CCIM); is a member of the American Real Estate Society (ARES), the American Real Estate and Urban Economics Association (AREUEA), Urban Land Institute (ULI), Commercial Real Estate Women (CREW) - East Bay, Financial Women of San Francisco (FWSF); has been mentor for the Robert Toigo Foundation; and has acted as an advisory board member for the Real Estate Research Institute (RERI), Bay Area Council (BAC)/University of Southern California (USC) Ross Program in Real Estate (San Francisco), Commercial Real Estate Women (CREW-SF) and Community Awareness and Treatment Services (CATs). My goal is to use standardized-technology driven mortgage finance processes personalized for the client: Residential Lending; Retail, correspondence, wholesale, Fannie/Freddie, FHA, reverse, and private money. Home construction loans. Commercial Lending: Financing in all 50 states, from a $100k financing to over $20M. Private Money Lending. Bridge/Interim Financing: $50,000 – $10,000,000, 1st and 2nd position, 1-5 Years, Use of Funds: Purchase, Refinance, Rehab, Interim-Financing, Document collection, Credit Report, Most recent mortgage statement (if applicable), Insurance declarations page (if applicable), Purchase contract (if applicable). Property Acquisition. Investment Brokerage. Distressed multi-family and commercial properties 1-10 M $. All efforts are made to utilize state-of-the-art technology, marketing, communications, and delivery systems.