Borrower
Who
Occupancy Owner-Occupied
FICO 470F
Senior Obligations
Senior Lien $219,763DLQ
Taxes —UNK
Property
Equity Waterfall
Property Value $262,750
minus:
Taxes $0
Sr Lien(s) $219,763
equals:
AVAILABLE EQUITY $42,987
Subject UPB $29,546.33
EQUITY COVERAGE 145.5%
FULL EQUITY Borrower Property
100% 50% 100%
52%
✓ Owner-occupied (motivated to keep home)
✗ Severely delinquent (90+ days)
✓ Full equity (borrower has stake)
✗ Delinquent on senior obligations
✗ FICO 470 (limited options)
Senior lien: Delinquent Senior
Senior tax status: Delinquent Tax
Unknown Payment History Borrower
YOUR DEAL
Investment Goal Select... Cash Flow Lump Sum
EST. VALUE $14,773 50% of UPB
Occupancy Owner-Occupied +10% Total 50%
Deal Score
85 B Very strong deal — favorable risk-reward profile
Risk Breakdown
Equity Borrower Market Timeline Equity 100
Borrower 42
Market 100
Timeline 82
% of UPB 50.0% C
LTV 11.2% A
Equity $262,750 A
ICTV 6% A
Net Recovery $14,773.165 A
State Intelligence: Colorado
Process Non-Judicial
Timeline 2 - 5 Months
FC Cost $3,126
REO Cost $4,000
Redemption None
Exit Strategies
Strategy projections are estimates based on market data and historical outcomes. Consult qualified legal and financial advisors before making investment decisions.
ROI 197%
Yield 39.3%
Timeline 60 mo
Success 40%
Est. Profit $29,043
IRR 33.5%
Why it works
Borrower keeps their home; investor receives 5 years of cash flow plus full payoff of remaining balance.
Key risk
Re-default risk is meaningful; borrower may stop paying again within 12 months.
Calculation
60 payments of $257 ($15,427) + payoff $28,515 + arrears $0 - purchase $14,773.165 - holding $126
Action Plan
1 Contact borrower to discuss modification options
2 Evaluate borrower's income and ability to pay
3 Structure modified terms (30-year amortization at 9.9%)
4 Execute modification agreement
5 Monitor payments for 3-6 months to confirm re-performance
6 Collect payments for 60 months, then borrower pays off remaining balance
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