Distressed Mortgages
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Discover all the distressed mortgages events taking place this week here. Plan ahead and join exciting meetups throughout the week.
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Distressed Mortgages Events Today
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The No-Pressure Book Club
A cozy, no-pressure book club.
**What to Expect:**
Welcome to a cozy, relaxed book club built around conversation, curiosity, and community. There is no assigned book and no pressure to finish anything. Come share what you’re currently reading, a past favorite, or a book you’d love to read in the future.
We’ll start with casual mingling, move into a light icebreaker, and then open the space for organic book talk and discussion. Expect thoughtful conversations, different perspectives, and a welcoming mix of like-minded and not-so-like-minded readers.
**What to bring:**
• Yourself
• A book you’re reading (or one you love or want to read)
• Curiosity and an open mind
**Location:**
Art & Dine @ The Springs Souk
(Near Emirates Hills, Springs, Meadows, Lakes, Hattans)
**Policy:**
• Attendees are required to avail any item from the menu
• Please be respectful and listen when someone else is speaking
**Parking:**
Free mall parking available
**Contact:**
Rinku — WhatsApp +971 50 558 2680
This is a warm, judgment-free space to meet new people, exchange ideas, and enjoy stories together.
How UAE Businesses Reposition When the Market Shifts — Executive Working Session
**Is your business losing ground in the current Dubai market — and you're not entirely sure why?**
You have done the obvious things. Reviewed costs. Focused on your best clients. Possibly renegotiated with suppliers. The business is still running — but the results are not what they were.
The problem is rarely efficiency. It is almost always positioning.
The market has moved. Buyers are different, spending priorities have shifted, and the offer that worked two or three years ago no longer lands the same way. From inside the business, this is almost impossible to see clearly. From the outside, it is usually obvious.
**This session gives you the outside view.**
***
**What this is — and what it is not**
This is not a networking event. It is not a seminar or a panel discussion.
It is a structured half-day working session where a small group of established UAE business owners work through a rigorous external diagnosis of their market position — and leave with a specific first direction on where to reposition and how to pivot.
Every framework is applied directly to your business in the room. You work. You leave with something written and specific.
***
**What happens across the three sessions**
**Session 1 — The external view** You identify precisely where your business stands in the current UAE market — not as you describe it, but as the market currently sees it. The gap between the two is almost always wider than expected.
**Session 2 — Why buyers are not choosing you** A structured diagnosis across four dimensions: who is actually buying right now, how your brand appears to a new buyer, what buyers are choosing instead of you and why, and whether what you are selling still matches what the market values today.
**Session 3 — Your first strategic direction** You draft a specific positioning direction — who exactly the business is for, what problem it solves, and why a buyer in the current UAE market would choose it over every alternative. Specific enough to act on the next day.
***
**What you leave with**
✔ A written diagnosis of your market position — externally assessed, not self-reported
✔ Identification of your primary positioning gap
✔ A first strategic direction — Sharpen, Reposition, or Rebuild
✔ A drafted positioning statement
✔ Three specific actions for the week after the session
✔ A workbook built through the morning — yours to continue from
***
**Who this session is for**
Established business owners and senior decision-makers who are operating in the UAE. Businesses that are navigating genuine commercial pressure in the current environment.
It is for owners who know the market has shifted and need structured external clarity on what to change.
***
**The details**
📅 Monday 26 May 2026
⏰ 8:30am – 1:30pm (breakfast service from 8:15am)
📍 Business Bay, Dubai
👥 Limited seats — small group by design
🎟 AED 599 per seat — includes breakfast service, workbook, and standing canapé reception
**[Full details and registration](ae.kovalys.com/events/uae-business-resilience-briefing-2026/):** ae.kovalys.com/events/uae-business-resilience-briefing-2026/
***
**Why AED 599**
This is NOT a networking event — and the difference is in what you leave with.
You leave with a written, specific, external diagnosis of your business and a first strategic direction. Not slides to review later. Not general frameworks. Your business, your market position, your direction — produced in the room on the day.
The investment is AED 599. The alternative is spending another six months knowing something needs to change but not having the external clarity to know what.
***
**About Kovalys**
We combine deep expertise in brand strategy and market positioning with real-time intelligence from a community of 1,000+ business owners and founders across the UAE. The Dubai Elite Business Circle is part of that community — this session is built from the conversations we have been having in those rooms for years.
Everest Base Camp Luxury Lodge Trek
Imagine standing at the base of Mount Everest, the world’s tallest peak, savoring a warm cup of tea as you soak in breathtaking Himalayan views.
The **[Everest Base Camp Luxury Lodge Trek](https://www.treknepalhimalayas.com/trip/everest-base-camp-luxury-lodge-trek/)**[ ](https://www.treknepalhimalayas.com/trip/everest-base-camp-luxury-lodge-trek/)transforms this dream into reality, offering a perfect balance of adventure and indulgence.
Experience the iconic **[trek to Everest Base Camp](https://www.treknepalhimalayas.com/trip/everest-base-camp-trek/)** without compromising comfort, with stays in handpicked luxury lodges, delicious cuisine, and exceptional service.
This trek takes you through serene trails, picturesque Sherpa villages, and awe-inspiring landscapes, all while providing cozy accommodations, hot showers, and warm hospitality at every stop.
Whether it’s the thrill of the journey or the comfort of a luxury retreat, every moment of this experience is designed to leave you in awe. Everest awaits—discover it in style!
Explore More | PADI Advanced Diver Course
**PADI® Advanced Open Water Diver Course**
_“ Seek Adventure , Explore More ”_
Continue your Scuba Diving journey with the PADI Advanced Open Water Diver course. Experience new adventures , Fine-tune your buoyancy skills, Build confidence in your navigation abilities, and Try new activities like _wreck diving , night diving, or drift diving._
Your Advanced certification opens the door to dive sites deeper than 18m/60ft and a variety of dive sites you will able to explore .
**PADI AOW Course consists of Two main portions :**
Much easier online study eLearning + Much enjoyable 5 Open Water Dives .
On the first day, you will do three Shore Dives , then we arrange for another day for two Boat Dives , then we can celebrate. 🥳
You may schedule the sessions with your instructor during weekdays or weekends every day or on separate days as the conditions and time permits.
**How can you start and what will you do :**
♡ Booking your course, provide your name , birth date, profile picture, and e-mail.
♡ Redeem the eLearning code received on your email , fill and sign the liability and medical release forms, and start the course in your preferred language.
♡ Your instructor will select with you what you need to read and arrange to schedule your first 3 dives.
♡ Then, you may schedule your other 2 dives on the nearest convenient date.
♡ Once successfully completed all of the requirements the instructor will happily process your certification.
**Requirements , Terms and Conditions :**
● AOW students should have gained an Open Water Diver certificate, be at minimum age of 12 years old , be able to swim and medically fit for diving.
● The course is a complete package , with a duration of 2 days as described.
_We are pleased to answer any further questions and inquiries regarding the course._
See Your Bubbles 🐬
& Many Thanks
Sea Secrets Scuba
seasecrets@yandex.com
IG Sea_Secrets_Scuba
https://instagram.com/sea_secrets_scuba?igshid=MzMyNGUyNmU2YQ==
+971562050943
The Trans Baltic Express | Journey Across Estonia, Latvia & Lithuania
Neighboring nations **Estonia, Latvia and Lithuania** are three tiny, yet unique, countries tucked away in the Northeastern corner of Europe. All having suffered turbulent journeys to achieve independence from Soviet rule, they offer an intriguing glimpse into the shared history of the Baltic region. Today, the Baltic Republics remain somewhat **under-the-radar gems, with all the ingredients for a picture-perfect, old-world adventure**.
From stunning beaches to enchanting forests, historic villages to buzzing cities with Polish, Danish, and Swedish architectural influences, the states lining the Baltic coast brings **just the right blend of history, culture, and natural beauty**. This trip taking in their three capital cities will show us their highlights and showcase what makes each nation unique.
First, Estonia brings **a story of modern-day innovation told against a backdrop of medieval history**. Today’s culture of start-ups and entrepreneurship thrives amid the fairytale-esq Old Town of its capital Tallinn, with its cobbled streets, medieval walls, soaring church spires and the iconic Toompea Hill.
Then onto Latvia’s capital, Riga, where a tapestry of **rich history, stunning Art Nouveau architecture, Europe’s largest market and bazaar**, and an extraordinary vibe await. The city is a major cultural hub, from contemporary art to the many celebrations of local heritage, such as choral singing, storytelling, folk dances and traditional music.
We end our adventure with Lithuania’s cultural gems, visiting the 15th century Trakai Castle, then making our way through the capital of Vilnius, with its **UNESCO-listed historic centre with origins dating to the Neolithic period**. Through key landmarks like St Anna’s Church, Cathedral Square and the Gate of Dawn, we’ll **journey through the ages with Gothic, Renaissance and Baroque architecture**.
All the while, we’ll **take in scenic landscapes, savour the warm local hospitality and indulge in delicious cuisines**, capturing a taste of the true Baltic spirit.
**Let's go!**
**Day 1 // TUE :: Arrival in Riga (Latvia)**
Meeting at DXB at 15:30 for a direct flight to Riga. Once we clear immigration we’ll head out for our first quick glimpse of the city before we head to the hotel for overnight.
**Day 2 // WED :: Riga**
For our city tour of Riga, our day starts in the Art Nouveau district, famous for its stunning facades and intricate architectural details. We will then explore the Old Town, visiting landmarks such as the Three Brothers, House of Blackheads, and St. Peter’s Church. We will end at the famous Riga Central Market, where we’ll browse the offerings such as smoked meats, cheese, pastries, fish, seasonal produce and sweets, and have the chance to taste local specialties.
**Later on, we’ll set off for Estonia**, crossing the border and heading towards the capital of Tallinn. Once there, we should have enough time for a quick look at the Old Square near City Hall, before turning in for the night.
**Day 3 // THU :: Tallinn (Estonia)**
Our exploration of Tallinn will take in both the modern and historical parts of the city. We will drive through the Kadriorg district, home to a beautiful baroque palace and gardens, and continue to the coastal Pirita area, known for its song festivals, a key part of Estonian national identity. Next, we will stroll through the UNESCO-listed Old Town, visiting landmarks such as Alexander Nevsky Cathedral and Toompea Hill, offering stunning views of the city.
In the evening we’ll head put for a quick glimpse on a night life.
**Day 4 // FRI :: Vilnius (Lithuania)**
**In the morning short flight Tallinn - Vilnius.**
Today we will spend discovering Vilnius and its surroundings. Our city tour will begin with the Gate of Dawn, St. Anne’s Church, and Cathedral Square, and include a visit to the Paneriai Memorial Museum, commemorating the tragic events of WWII.
**Day 5 // SAT :: Trakai Castle**
Our last day is dedicated to Trakai Castle, a picturesque medieval fortress on Lake Galve. We’ll have some leisure time for souvenir shopping before heading to the airport for our flight back home.
**Grade:** Easy, available for everyone.
**Activity:** Sightseeing, cultural immersion.
**Cost: 4450 AED** excl. flights until MAY 20th.
**Room & Meals:** Hotel 4\* - double sharing, restaurant meals excluded.
**Specifically excluded:** Visa, meals, international flights.
**Flights:** direct Flydubai.
**Visas:** Schengen visa rules apply.
See yah in Baltics x
Trekkup Crew
[Whatsapp 0504848238](https://wa.me/971504848238)
[Find all trekkups at linktr.ee/trekkup ](https://linktr.ee/trekkup)
Bailamé Tuesday Latin Night
your midweek Latin fix 🤩 - Every Tuesday starting at 10PM and ending at 3AM
Let’s dance the night away to the charming tunes of Latin & Afro music while enjoying a drink or a bite with friends and peers in the outstanding venue - Twenty Rooftop Bar at Movenpick Grand Plaza, Dubai.
Take advantage of the special offers on food & drinks
Organized by MOOVnation
Bachata Beginners - L1
Experience a sensational blend of smooth motion and fun expression while creating beautiful lines with easy-to-follow steps.
Bachata is a lyrical latin dance style originated in the Dominican Republic, expanded in Spain and grew to become one of the most popular dance styles worldwide. Offering an outlet for rhythmic expression and flowing sensual movement, bachata incorporates a number of different styles, techniques and expressions.
AED 89 /1 class
AED 599 /8 classes (monthly package)
Join us on this new journey of wellness and discovery!
Book your spot NOW!
https://moovnation.zbni.co/u/DcCwA
For enquiries
Call/Text 058 538 7446
Distressed Mortgages Events This Week
Discover what is happening in the next few days
Practical Investing Discussions
This meetup is open to all levels of experience - there is no requirement to be a finance professional or investor to attend.
There is no preparation needed prior to attending the session.
Thanks for joining the Money Minds meetup group.
If you would like to be the first to know whenever a new event is announced, please join our whatsapp group using the link;
[https://chat.whatsapp.com/DPbMfZndPooGHSxFCLCKHg](https://chat.whatsapp.com/DPbMfZndPooGHSxFCLCKHg)
Hi, my name is Karan. I am the co-founder of the Money Minds community.
When I started investing, I didn't have any help. I've learned how to navigate markets by making a lot of mistakes and I still have a lot to learn. I believe that investing cannot be taught but it can be learned.
My intention behind these Practical Investing Discussions is to cultivate a space where people **ask questions, share practical knowledge** and hopefully **learn vicariously**.
Inspired by Charlie Munger’s wisdom, \*"The best thing a human being can do is to help another human being know more" \*our event fosters a spirit of knowledge-sharing and mutual growth. Expect engaging discussions, fresh perspectives, and opportunities to forge meaningful connections with fellow Money Minds members.
Bookends Business Book Club
Join us for the very first gathering of the Bookends Business Book Club.
This opening meetup will be a relaxed introduction to the new club. No specific book has been chosen, this session is all about getting to know each other, sharing ideas, and shaping the direction of the club together.
We’ll talk about:
* What kind of business, leadership, entrepreneurship, and personal growth books members are interested in
* How the club will be coordinated going forward
* What everyone hopes to gain from the discussions
* Books we’ve already read and would recommend to others
* Possible themes and book choices for future meetups
Whether you enjoy biographies, leadership lessons, startup stories, strategy books, or practical business reads, this is a chance to help build a thoughtful and engaging business book community from the start.
Come ready to share what you’ve been reading, what inspires you, and what you’d like this club to become.
Short stories, Big conversations
Love stories, but never find the time to read?
Always wanted to start reading but don’t know where to begin?
**A Few Good Pages** is a weekly short story circle where we slow down, read together, and have thoughtful relaxed discussions.
No pressure, No prep!
We meet **every Saturday** to read and discuss **one or two short stories**—quick reads that stay with you.
Whether you’re a **wannabe reader** looking to get started, a **busy book lover** who wants to rebuild reading habit, or someone who enjoys **sharing perspectives on a great story**, you’ll fit right in.
You don't need to prepare anything in advance - Just show up.
Over the past year, we've read and discussed over **200+ short stories,** building a warm, reflective community that values attention, curiosity and consistency.
Join our WhatsApp Group for updates:
https://chat.whatsapp.com/IpIMc6c87W49FJIg1cRDJk?mode=hqrt2
**Cost & Membership**
* First session : **Free**
* Drop in : AED 30 per session
* Membership options available for those who want to build a consistent reading habit.
**Location**
Location : L'eto Cafe, 1st floor, Mall of Emirates (D7 is the closest parking Entrance)
Please update the RSVP if there's any change in your plans :-)
Come for the stories, stay for the discussions!
A Friend in Need 💙 – A Heartfelt Conversation Just for You (IN-PERSON)
Ever feel like you just need someone to talk to—someone who will truly listen without judgement? Whether you're going through something tough, feeling stuck, or simply want to share your thoughts with a kind and understanding soul, "A Friend in Need" is here for you.
For 30 minutes, you’ll have a one-on-one chat with a warm and compassionate listener, who’s here to offer support, perspective, and meaningful conversation. No scripts, no pressure—just genuine human connection.
💬 **How it Works**:
✅ Only four spots available (first come, first served)
✅ Each session lasts 30 minutes
✅ Private and respectful—your thoughts are safe here
✅ Fee: AED 50 per session
✅ Arrive at the time appointed to you
Need more time? If there’s room after all four sessions, extensions will be available for an additional AED 30 per 15 minutes. These extensions MAY happen online at a later time.
⚠️ **Important Disclaimer**: This event is NOT a substitute for therapy, counselling, or professional advice. It is simply a friendly conversation space for those who need someone to talk to.
Reserve your spot now—sometimes, all we need is a friend in the moment. 💙
**Note: Please message me privately to book your slot. First come, first served!**
Super Connect | B2B Networking | For Speakers, Authors & Trainers
This is a paid event and will be deleted from here. Pls register on the link below.
**Reserve;**
https://supcon2.eventbrite.com/?aff=Meetup
**QUESTIONS ?**
Pls Reach out to;
Ridhi - [https://wa.me/971552525078](https://wa.me/971525012234) ( WhatsApp Only)
Cashflow Game Day: Learn How to Quit Your Job and Join the Rich!!
Join us at The Dubai Cashflow Club for an exciting afternoon of the Cashflow game, where you can learn and apply strategic financial principles in a fun and dynamic setting. This event is perfect for anyone looking to gain a deeper understanding of money, investing, and achieving financial independence.
During the game, you will navigate through real estate deals, manage your cash flow, and make investment decisions. The objective is not only to win the game but also to gain valuable insights and practical knowledge that can be applied to your personal financial goals. Whether you are a beginner or an experienced investor, this event offers a great opportunity to network, learn from others, and sharpen your financial skills.
Don't miss out on this chance to connect with like-minded individuals who share a passion for financial education, self-improvement, and building wealth. Join us for an afternoon of fun, team building, and learning as we work towards achieving our financial goals together.
Mafia Night : Coffee & Deception
**Mafia Night: Coffee & Deception**
Step into a room full of strangers… where nobody knows who to trust 👀✨
Welcome to Mafia Night: Coffee & Deception, an interactive social experience filled with mystery, mind games, hilarious accusations, detective moments, coffee, and chaos in the best possible way 😭☕
Join and contact the host on the event page [https://eseek.app/pages/?page_id=10](https://eseek.app/pages/?page_id=10)
Whatsappp group [https://chat.whatsapp.com/EaFzeakk5qn3RQGIcnTltA?mode=gi_t](https://chat.whatsapp.com/EaFzeakk5qn3RQGIcnTltA?mode=gi_t)
[https://www.instagram.com/eseek_travel_app/](https://www.instagram.com/eseek_travel_app/)
Expect:
🖤 dramatic voting rounds
☕ coffee & conversations
🕵️ suspicious eye contact
🎭 unexpected betrayals
😂 chaotic debates & laughter
✨ and a room full of strangers slowly becoming teammates, detectives, or suspects
Distressed Mortgages Events Near You
Connect with your local Distressed Mortgages community
In-Person Meeting: How I Get Private Lenders and Partners to Fund My Deals
(Note: RSVPing here on meetup does NOT reserve your seat. To do that, you’ll need to register at our website, **[HERE](https://www.coreerocks.com/Events.aspx?ID=In-Person-Columbus-Meeting-How-I-Get-Private-Lenders-and-Partners-to-Fund-My-Deals-14-6-2-2026)**.)
Tuesday, June 2nd, 5:00–8:30 PM Eastern
Central Ohio Chapter Meeting
IN PERSON IN COLUMBUS
How I Get Private Lenders and Partners to Fund My Deals
If you can’t fund it, you don’t have a deal.
And right now, funding is where more investors are getting stuck.
Private lenders are more cautious.
Partners are asking better questions.
And deals that look good on paper still fall apart when the money doesn’t show up.
That’s why we’re bringing in a panel of investors who are actually getting their deals funded right now.
You’ll hear how they’re finding money, structuring deals, and building relationships that lead to repeat funding.
Here’s what you’ll learn:
* Where they’re finding private lenders today
* How they start conversations that lead to funding
* What makes lenders and partners say YES
* How they structure deals to be fundable
* The biggest mistakes investors make when raising money
* How to build repeat funding relationships
**Early Session (6:00–7:00 PM Eastern):**
**Having Trouble Finding Tenants? How Community Shelter Board Can Help**
Nicholas Brenner will walk you through programs designed to help rapidly rehouse tenants, including financial support that can stabilize your rentals.
**The Deal Room (7:00–7:30 PM Eastern)**
Bring deals, funding needs, buyers, and problems.
This is where connections turn into action.
This meeting is for serious real estate investors nationwide, and we’re known for our high-content, real-life education and our nationwide community of dealmakers.
Members and non-members at all levels are welcome.
Register below to reserve your seat.
Remember, to actually reserve your seat, you have to go **[HERE](https://www.coreerocks.com/Events.aspx?ID=In-Person-Columbus-Meeting-How-I-Get-Private-Lenders-and-Partners-to-Fund-My-Deals-14-6-2-2026)** and register on our website!
Omnipresent Atheists Weekly Meetup (4th Tues)
Jimmy V's Grill & Pub in Grandview Heights. You are responsible for your own meal/drinks. We usually don't have any agenda other than eat, drink and talk. :) If the weather is nice we will be on the back patio, otherwise we are in the cigar room.
This group has been meeting every Tuesday evening for over a decade. Many attendees do not RSVP on meetup. Please don't let the small number here discourage you. Anyone/everyone is welcome to come. We'd love to have you join us.
COTA bus #5 comes to W. 5th and Wyandotte Rd. And it's a minute walk to the restaurant.
Three Creeks Metro Park
We'll get in around 4 miles at Three Creeks Metro Parks, primarily natural trails. 17-18 minute miles, no one left behind, and faster walkers are free to lead out.
Optional lunch after!
If you're joining for hiking all the metro parks, this is the sixth one!
Short North Street Skate | Weekly Rollout
Short North Street Skates return Saturday, April 4 and we’re excited to get back rolling together.
These weekly rollouts are a chance to move through the city as a group, build community, and create more visibility for skating and small-wheeled movement in Columbus.
Details:
Meet: 1160 N High St
9:30 AM meet
10:00 AM rollout
All wheels welcome
We’ll be skating through the Short North and surrounding areas at a steady, social pace. Routes will use a mix of streets and bike lanes, so comfort navigating the city is helpful, but you don’t need to be an expert.
If you’ve been meaning to come out, this is a great place to start.
Come solo or bring a friend!
How to Get Off-Market Deals With Direct-to-Seller Marketing
**How to Get Off-Market Deals With Direct-to-Seller Marketing**
Want to learn how to get off-market deals through direct-to-seller marketing without relying on agents, wholesalers, or the MLS for consistent deal flow?
That is exactly what we are covering at this next Columbus Investors Club Meetup.
Get Your Free Ticket **[HERE](https://www.eventbrite.com/e/how-to-get-off-market-deals-with-direct-to-seller-marketing-tickets-1987845260686?aff=cicmeetupapp)**[ ](https://www.eventbrite.com/e/how-to-get-off-market-deals-with-direct-to-seller-marketing-tickets-1987845260686?aff=cicmeetupapp)🎟️
Most investors who try to do off-market deals make the same mistake: they throw money into a marketing channel, pray that it works, and hope a deal comes out the other side. There is no real strategy, no clear math, no tracking, and no process to know what is actually working.
At this meetup, we are going to break down how to reverse engineer direct-to-seller marketing using our SCALE framework so you can approach your marketing with more clarity, confidence, and consistency.
We will cover how to think through inbound, outbound, and free marketing channels, how to choose the right channel for your goals, how to run the numbers before you spend, how to allocate the right budget, how to launch the campaign correctly, and how to evaluate and track performance so you can make better decisions moving forward.
**SCALE Framework:**
**S –** Select the right channel
**C –** Calculate the numbers
**A –** Allocate the budget
**L –** Launch the campaign
**E –** Evaluate and track it
**What We’ll Cover**
* How to get off-market deals through direct-to-seller marketing
* How to stop guessing and start reverse engineering your marketing
* The difference between inbound, outbound, and free marketing channels
* How to choose the right channel for your business and market
* How to calculate the numbers before launching
* How to allocate a budget based on goals, not emotion
* How to launch and track a campaign the right way
* How to create more consistent and predictable deal flow
**Date:** May 28, 2026 (Thursday)
**Time:** 6 - 8pm EST
**Location:** Ohio Brewing Company, 421 E 2nd Ave, Columbus, OH 43201
**Save Your Seat** → https://www.eventbrite.com/e/how-to-get-off-market-deals-with-direct-to-seller-marketing-tickets-1987845260686?aff=cicmeetupapp
**FREE DRINKS & FOOD PROVIDED!**
**About Columbus Investors Club**
The Columbus Investors Club is a local meetup for real estate investors, aspiring investors, contractors, vendors, lenders, realtors, and other professionals who want to grow in the Columbus market.
The goal is to create real connection, real opportunity, and real growth by getting the right people in the room. Whether you are brand new or already doing deals, this is a place to build relationships, learn from others in the business, find opportunities, and grow your presence in the local real estate community.



















