High risk — multiple red flags, proceed with extreme caution
Risk Breakdown
Equity0
Borrower38
Market33
Timeline39
% of UPB15.0%A
LTV2362.1%F
Equity$2,500A
ICTV354%F
Net Recovery$50,195.671A
State Intelligence: Pennsylvania
ProcessJudicial
Timeline3 - 9 Months
FC Cost$6,406
REO Cost$4,597
RedemptionNone
⚠ Judicial foreclosure state — expect longer timelines and higher legal costs.
⚠ Average 17.1667 months to foreclosure — significant holding cost risk.
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
ROI891%
Yield178.1%
Timeline60 mo
Success40%
Est. Profit$78,892
IRR115.2%
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.
