Modern intuitive software and mobile applications, notes Kenny Slaught, give investors and builders a greater selection of lending and borrowing opportunities across a variety of real estate asset classes and geographies. The state’s crowdfunding or peer-to-peer lending services emerged after the adoption of the Jumpstart Our Business Startup (JOBS) Act in 2012, which significantly expanded the ways in which sponsors raise capital for real estate acquisitions and development. The new regulation legalized the previously banned practice of advertising or openly soliciting private funding from accredited individuals and companies. Those with a net worth of $1,000,000, excluding their personal residences, or with an annual income of $200,000 per individual or $300,000 per household, if filed jointly with a spouse, can become an accredited investor. Kenny Slaught discusses how the amendments gave the green light to individual borrowers and lenders to take part in debt and equity financing, where loans generate income in the form of interest, without a bank involved as an intermediary. The online marketplace has created a new pathway for property owners and funders to browse current investment offerings, perform due diligence, and maintain dashboards to track how assets and financial products are performing.

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Some of the most appreciated Santa Barbara architecture are the centuries-old Hotel Virginia, El Pueblo Viejo district in historic downtown, as well as the two pink towers of the Old Mission, which hosts retreats and festivals. Kenny Slaught notes that the brightly colored tiles of the County Courthouse houses brilliant murals and other striking attributes, and nearby the clock tower and observation deck provide a panoramic view of the entire city. The Lobero theatre not only houses the region’s most renowned performing arts events but also stretches back to 1873 and was rebuilt in the 1920’s by George Washington Smith. These are a few examples of the celebrated past of Santa Barbara, where, because of the region’s advanced planning, many antique, architecturally stunning buildings line the streets of the central city.
 
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