Good deal — solid fundamentals with manageable risks
Risk Breakdown
Equity100
Borrower42
Market64
Timeline67
% of UPB19.0%A
LTV28.9%A
Equity$120,000A
ICTV5%A
Net Recovery$28,134.127A
State Intelligence: Kentucky
ProcessJudicial
Timeline5 - 6 Months
FC Cost$6,760
REO Cost$4,555
RedemptionUp to 12 Months
⚠ Judicial foreclosure state — expect longer timelines and higher legal costs.
⚠ Redemption period: Up to 12 Months. Borrower may reclaim property after sale.
ℹ Average 8.5 months to foreclosure — moderate timeline.
Exit Strategies
Strategy projections are estimates based on market data and historical outcomes. Consult qualified legal and financial advisors before making investment decisions.
★ Loan ModificationCash FlowA
ROI682%
Yield136.4%
Timeline60 mo
Success40%
Est. Profit$45,001
IRR90.5%
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.
