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2 New Horizons Advances in technology continue to transform multiple industries, and it seems every aspect of our world has changed dramatically within a short span of time. Real estate has been slow to adapt, according to some consumers, but that is changing with a flood of fintech entering the market. As the pace of change accelerates, it can be challenging to keep up with the latest trends and associated industry buzzwords. is month DS News dives into a few of these emerging technologies and talks to industry experts who provide insights into how they are shaping the future. Kicking off with our cover story, "Investing in the American Dream," DS News' David Wharton speaks to experts about what it takes to succeed in the modern investment landscape. Competition is brutal in an unsure market, we dive into trends and opportunities to watch that separate the savvy from the faint at heart. In "Lean Into Tax Lien Investing," Charles Sells, Founder, e PIP Group, walks us through this sector that more of the investment world is beginning to investigate. Next up, in "Artificial Intelligence, Real-World Results," Tomasz Serafinski, Head of the Artificial Intelligence and Machine Learning business unit at Aspen Grove Solutions, talks about how emerging technologies have the potential to transform default servicing. Terrell Cassada, Chief Information Officer, LoanLogics, next explores "A Change in the Ecosystem," examining how AI may alter the course of the mortgage landscape from origination to servicing. "Investing in the Zone" finds Charles Tassell, COO, National Real Estate Investors Association, discussing how opportunity zones provide investors a chance to help breathe new life into low-income areas and craft a solid investment strategy as well. Finally, in "Following Fintech Into the Future," Scott Dai, Innovation & Fintech Lead, Southwest Market, for EY, discusses how regional and super-regional banks can follow the trails blazed by larger banks on a path to future success. e single-family rental market has undergone a dramatic transformation since the housing market crash in 2008. Today, more than 40 percent of renters in the United States occupy one of the estimated 16 million investor-owned properties across the nation. In DS News' "Best in Single-Family Rental Guide," you can meet the companies that are at the forefront of this expanding market. You'll find all of this and more in the March edition of DS News. Read on and enjoy. Best regards, Rachel Williams Editor-in-Chief FROM OUR DESK default servicing | in print and online VOL. 17 NO. 3 No part of this publication may be reproduced without written permission from the publisher. ©2019 REO Publishing LLC All Rights Reserved This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are disseminated with the understanding that the publisher is not engaged in rendering legal advice or other professional services. Under no circumstance should the information contained herein be relied upon as legal advice as it is designed to be a source of information only. DS News strongly encourages the use of qualified attorneys or other qualified experts with regard to the subject matter covered. DS News does not guarantee the accuracy of the information, and is not liable for any damages, losses, or other detriments that may result from the use of these materials. PUBLISHER EDITOR-IN-CHIEF DESIGN ONLINE EDITOR ONLINE CONTRIBUTORS COPY EDITOR ADVERTISING 2019 EDITORIAL ADVISORY BOARD Mark Hulme Rachel Williams Jonathon Won David Wharton Krista Franks Brock Donna Joseph Scott Morgan Radhika Ojha Seth Welborn Stephanie Bacot Suzanne Andresen: 207.443.3314 Kevin McCrea: 214.525.6756 Dawn Adams, SVP, Default Servicing, Roundpoint Mortgage Servicing Raymond Brousseau, President, Carrington Mortgage Holdings Tendayi Kapfidze, Chief Economist, LendingTree Courtney Thompson, Director, Default Servicing Operations Jacob Williamson, VP, Distressed Assets, Fannie Mae Follow DSNewsDaily on CHAIRMAN AND CHIEF CREATIVE OFFICER PRESIDENT AND CHIEF EXECUTIVE OFFICER DIRECTOR OF ACCOUNTING ASSOCIATE GENERAL COUNSEL PROFESSIONAL ASSOCIATIONS FORCE, Legal League 100, American Mortgage Diversity Council, National Mortgage Servicing Association, and Property Preservation Executive Forum DESIGN Mark Hulme Ed Delgado Jake Davis Derek Templeton Derek Templeton: 214.525.6757 Jonathon Won Sean Walker Jason Stone

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