Operations

Default, Delinquency: Aggressive Collections Not the Answer

By |2025-03-17T13:31:16-05:00March 19th, 2025|Operations|0 Comments

Techniques that keep communication lines open and preserve broker-borrower relationships help lenders mitigate loss and win fans. In mortgage lending, loss mitigation is a process where the lender, investor, and servicer work with a borrower struggling with monthly payments (a nonperforming loan) to avoid foreclosure, reducing potential loss to the lender. As our industry becomes [...]

By |2025-03-17T13:31:16-05:00March 19th, 2025|Operations|0 Comments

Hyperlocal Due Diligence: A Look at the New York City Tristate Area

By |2025-03-17T13:27:04-05:00March 19th, 2025|Operations|0 Comments

A combination of factors has led to high inventory levels in this consequential market, but could market demand be rebounding? As we always reference, the adage “location, location, location” invokes three important realms of evaluating potential real estate deals: local, hyperlocal, and unique diligence factors. The third installment in this series focuses on the New [...]

By |2025-03-17T13:27:04-05:00March 19th, 2025|Operations|0 Comments

Unrealized Potential: Examining Midstream, Abandoned Construction

By |2025-02-19T17:10:17-06:00March 2nd, 2025|Operations|0 Comments

Originating or refinancing an incomplete construction project requires an additional set of tools and expertise to manage financial, legal, and market risks. When you start a construction project from the beginning, you can meticulously plan details such as the target market, designs, budget, and phases, leading to fewer surprises. However, if you take over a [...]

By |2025-02-19T17:10:17-06:00March 2nd, 2025|Operations|0 Comments

Unlock Your Access to Bank Lines of Credit

By |2025-01-27T16:41:14-06:00February 5th, 2025|Operations|0 Comments

Follow this roadmap for how to assess bank sizes, meet LOC criteria, and forge productive banking relationships that support your goals. Finding the right bank to provide a line of credit (LOC) for your private business purpose mortgage bridge originator (private lender) can be challenging. Just a small number of banks understand this industry, and [...]

By |2025-01-27T16:41:14-06:00February 5th, 2025|Operations|0 Comments

Managing the Blind Spot

By |2025-02-05T13:19:37-06:00February 5th, 2025|Operations|0 Comments

Series Note: This is the second article in a series about operational risk in construction and renovation lending. The series, written from the perspective of a chief lending officer, examines examples of operational risk, addresses common misperceptions, and proposes emerging best practices and recommendations for lenders striving to scale their portfolios responsibly. The first article, [...]

By |2025-02-05T13:19:37-06:00February 5th, 2025|Operations|0 Comments

Are Receiverships a Strategic Tool or Overrated Trend?

By |2024-12-17T08:11:09-06:00December 18th, 2024|Operations|0 Comments

For lenders unprepared or uninterested in managing distressed property, a receiver may be worth their weight in gold—or a massive headache. A deed in lieu might seem like the quickest path to repossess a real estate asset. The process offers a relatively swift way to reclaim property, immediately adding value (albeit in a non-liquid form) [...]

By |2024-12-17T08:11:09-06:00December 18th, 2024|Operations|0 Comments

Hyperlocal Due Diligence: A Look at Tampa, FL

By |2024-12-03T11:37:25-06:00December 4th, 2024|Operations|0 Comments

Series Note This series examines due diligence factors in markets representative of their region: Local factors are broad and evaluate the market's type and size (I.e., primary, secondary, tertiary, rural, remote), economic drivers, size of the buyer pool, and typical buyer profiles. Hyperlocal refers to a specific neighborhood, its submarket, investment dynamics, and other neighborhood-level [...]

By |2024-12-03T11:37:25-06:00December 4th, 2024|Operations|0 Comments

Liquidity Matters

By |2024-11-18T12:12:03-06:00November 20th, 2024|Operations|0 Comments

We're seeing early indicators of a shakeup over cash-poor private lenders. Now's the time to secure your reserves. Liquidity refers to the liquid assets available to a lender; basically, how easily and quickly they can access cash or cash equivalents to meet their short-term obligations. For a lender, maintaining liquidity is critical for several reasons. [...]

By |2024-11-18T12:12:03-06:00November 20th, 2024|Operations|0 Comments

The Blind Spot

By |2025-02-05T13:24:07-06:00October 30th, 2024|Operations|0 Comments

This article was co-authored by John Adractas, TrustPoint.ai, and Tom Hallock, DLP Capital Operational risk is a lesser-known counterpart to credit risk, but it poses as many potential pitfalls. Construction or renovation lending is unique within the broader world of mortgage and asset-backed lending. Unlike financing a car or an existing home purchase, financing construction [...]

By |2025-02-05T13:24:07-06:00October 30th, 2024|Operations|0 Comments

Hyperlocal Due Diligence: A Look at Atlanta, GA

By |2024-10-28T16:55:46-05:00October 30th, 2024|Operations|0 Comments

Strong economic drivers have helped the Atlanta metro maintain "hot spot" status; nevertheless, lenders should be aware of several critical due diligence developments. This series of articles will examine due diligence in various hyperlocal markets that tend to be representative of their region. We’ll look at some primary markets, secondary markets, recreational markets, rural/agricultural markets, [...]

By |2024-10-28T16:55:46-05:00October 30th, 2024|Operations|0 Comments

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