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What will be the expenses I can expect to incur as a get increase my volume? How can I expect hard costs to increase as I get bigger? What kind of staff should I be adding? What should I outsource? Will be among the topics of discussion that will be brought up.What will be the expenses I can expect to incur as a get increase my volume? How can I expect hard costs to increase as I get bigger? What kind of staff should I be adding? What should I outsource? Will be among the topics of discussion that will be brought up.
• What are the black swans to be concerned with?
• Where is the next wave of defaults coming from? When will they be here?
• Origination trends
• How are changing local market demographics impacting available supply
• What has been the effect of investment banks buying paper for regulatory reasons? Will it carry on?
• Will rising prices, lower quality and a scarcity of product continue?
• When will the GSE’s run out of product? How much further will bank supply drop?
• Major vs. secondary markets
• Which non-judicial states are seeing an increase in paper? How’s the pricing? Are there statute of limitation issues to consider?
• Hurricane damaged markets-What is the paper looking like?
• Heard there are some interesting things happening with Puerto Rico paper…
• Impact of your economic view on your note strategy
• Are you playing in Puerto Rico and non-US markets?
• Fundraising-Where is the new $$ coming from?
• What kind of notes are you selling? Buying? Are you going into 2nd liens and other lesser quality products?
• Are you getting priced out of the government market?
• Working with smaller players
• Hurricane damaged properties… Are you looking for opportunities in those markets? What has been happening on the asset management side?
• Any changes on the servicing administration side of things?
• How badly did you get hit? What has been your Response?
• What has been your missing payment policy?
• Asset and financial recovery efforts
• Forced placed insurance-How has this changed?
• Expected changes in the national flood insurance market
• Total loss options
• Umbrella policies-What do they cover?
• Hurricane insurance and wind provisions
• California earthquake insurance-too expensive?
• The role of technology & drones
• Are you looking to buy?
• Historical returns of natural disaster-damaged homes
• The foreclosure and eviction process
• Comparing non-performing vs. re-performing secured vs. unsecured
• Finding enough paper
• Servicing complexities
• Acquisition & exit strategies
• Default assessment
• Is leverage available?
• Identifying and managing risks
• Lien enforcement and junior lien releases
• Qualifying the expertise of your subservicer
• Utilizing the subservicer for due diligence
• Using their technology to assist in the buy and boarding process
• Considerations in the PSA and transfer process
•How can a subservicer maximize your return objectives?
• What do subservicers find that acquirers overlook in the purchase process? |
•Collaboration and delegated authority
• When is it best to outsource servicing? In-source?
• Measuring servicer performance
• What to watch out for on the new regulation side
• The servicing industry… how is it changing? What does the future looking like? How will it impact your business?
• What are the first steps? • State-level considerations, judicial proceedings, reinstated rights & foreclosure time lines
• Modify into performing vs. foreclose/other take back methods vs. gain possession through deed-in lieu then liquidate
• When to negotiate, when to foreclose and consider alternatives
• Junior lien options/senior lien rights
• Predatory practices-laws to watch out for
• Cash for key programs… How to make them successful
• Working with your servicer
• Options investors can take to expedite portfolio liquidation: Post foreclosure options
• Do you handle your own foreclosures?
• Considering statutes of limitations
- Paying 50-60 for low balanced firsts-Are you overpaying for the risk level?
- Valuing the second and other non-standard structures
- Considering the time value of $$ and aggravation
- Broker price opinions and appraisals-Are they reflecting increasing prices?
- Valuing hurricane damaged properties
- Cash flow forecasting of non- vs. re- vs. performing
- Valuing notes in bankruptcy
Michael Soliz Jr
*Alex Goldovsky will be signing copies of his new book at the ProTitle USA booth. Stop by to receive your free, signed copy
• Going deal by deal vs. raising a fund
• Any changes in the syndication market?
• Using IRA equity vs. private equity vs. family office money
• How does crowdfunding work for the notes market? Issues surrounding accredited investors
• Hiring someone to help with the fundraise
• Role of track record
• Products and services to help with the administrative side
• HELOCs, bridge financing, letters of credit & repos: When do you use?
• Financing from a securitization shop vs. fund vs. investment or local bank
• Trading secondary loans
• LTV, leverage, current terms and valuation
• Lending vs. a secured note or mortgage
• Joint ventures with other investors to buy pools
According to people in the know banks are still expected to have $20 Billion on non-performing mortgage holdings at year end of 2018 making this channel a still formidable supply option. This session will discuss
• Is the level of defaults increasing or decreasing in your portfolio? Can you see any pattern emerging for your portfolio of residential loans?
• How should interested note buyers approach you for loans?
• What is your preferred method of workout? Preferred method of sale?
• Judicial vs. non-judicial state credits
• Local regulations on home keep up
• Are you being picky on who you sell to?
• What are your newest problem loans looking like?
• What is your strategy on 2nd liens?
• Do you provide seller finance?
Kenneth Charles Rietz
Do you own 25 or 30 notes and are considering ramping up? Building a portfolio that can take a loss? How many notes does it take? What should be their characteristics? What are the returns I really should be making? What should be my 1, 3, 5 year plan? Are you wondering who the key hires should be to better operate your portfolio? This closed-door discussion will detail how a small owner can act or be big in their operations and returns.
• Going to lesser quality and more exotic notes?
• Going for the underlying property- Fix and flip and buy and hold strategies
• Buying/selling/structuring partials
• The junior lien market
• What do you think of the consumer loan market? Unsecured?
• Commercial real estate notes
• Tax, HOA and property liens
• Manufactured housing
• Land contract and seconds
• Partials and seller finance
• Are you starting to shy away from low balance firsts?
• Creating your own supply… Originating firsts
• Getting away from paper-Non QM; fix and flips, lending and other services
Kimberly Banks Fawcett
• Is your strategy to get the tenant to re-perform or foreclose?
• What kind of loss mitigation was done to get the note to re-perform?
• State considerations
• GSE sales to the small guys
• Are the banks selling? Looking at sources of supply and pricing
• Firsts vs. seconds
• Choosing your NPL vs. performing note servicer
• Making the note re-perform vs. getting to the real estate
• Loss mitigation and the FHA
• Leveraging borrower engagement strategies to produce better outcomes
- What are the factors involved with pricing the assets? Comparing 1sts and 2nds
- Identifying the major defects… What are the key issues related to pricing? How to correlate defects to price-to-cure?
- Dirty Pools – Comparing recovery and the effect on pricing of Taxes, HOA FC, Utility/Muni's and Bankruptcy
- Prepping for sale-When to start asset level review to avoid kick outs? 90-day loan post-closing servicer review vs. Pre-sale, pre-securitization portfolio review vs. 1st day in default review
- Technology and automation in portfolio review: Latest and greatest
- How to structure Reps and Warrants? What are you covering? Tools?
- Kick out portfolio segmentation for specific buyers: Comparing loan type, (state, borrower stage; bankrupt vs. performing) and disposition strategy (modify, flip, sell, rental)
Buyers view: What buyers are looking for in distressed debt that sellers needs to be prepared for?)
- Curative Actions, Timeline to successful resolution, TPOL & FHA claims
• How much time, $$ and brain damage does it take to go from a note to a REO
• Are you purchasing occupied or vacant?
• The rehab and turn
• Hold for your portfolio vs. fix and flip
• Local market considerations
• Financing options
• The property management part
• Seller financing and creating your own supply
• How reliable are those in the note creation food chain?
• The government channel and those who are buying government paper
• Finding foreclosures
• Is the bank spigot open?
• City-owned land banks
• Cash for keys, leasebacks and other non-foreclosure options
• Working with not-for-profits
• Comparing the opportunities today in judicial vs. non-judicial states
• The tax lien market
• Should you dedicate more resources to acquisitions?
• What is one person’s junk is another treasure… What kind of kick outs are you curing that others aren’t?
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Euromoney Institutional Investor PLC (“Euromoney”, “we”, “us” or “our”) is an international business-information group covering asset management, price discovery, data and market intelligence, and banking and finance. The group also runs an extensive portfolio of events for the telecoms, financial and commodities markets.
For a full list of our brands and group companies, please click on this link. Euromoney and its group companies are committed to respecting the privacy of every person who visits, registers with or subscribes to our websites, publications, events and other products or services.
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This Privacy Notice was updated on 23 May 2018
This Privacy Notice outlines the information we may collect about you in relation to your use of our products and services (“personal data”). It also explains the legal rights that you have in relation to your data and how you may exercise these rights.
Some of our group companies may collect and use personal data for different purposes; those companies have their own websites and privacy notices.
We will process your data for the following lawful purposes: with your consent; to fulfil our obligations to you; and where there is a legitimate interest to do so.
When possible, we rely on your consent to use your data for the purposes described in this Privacy Notice. We also process personal data to fulfil our contractual obligations to you, for example, when you register for any of our services, subscribe to a publication, sign-up for an event or purchase a product from us, we will need to process some of your personal data. This will also include details of the person/people responsible for payment (if different).
We may determine that processing your personal data serves both of our legitimate interests. This is the case in relation to many of our research, customer survey, sales, marketing and advertising activities described in this Privacy Notice. These activities allow us to better understand your requirements, which in turn enables us to provide you with a better service. We review the bases for our processing decisions carefully and you can object to these activities at any time (see the “Your Rights” section of this Privacy Notice).
Our primary goal in collecting personal data from you is to give you a relevant customised experience of our products and services.
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When you register with our website and/or sign up for a free trial of our products or services, we may ask you to provide your name, address, email address and telephone number, and details relevant to your occupation or employer.
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Events & Conferences
If you have registered for an event through a group website we may collect personal data including: name, job title, company, address, telephone number and email.
This information is necessary so that we can complete your registration for the event and provide you with relevant event materials.
We may also provide delegate details (e.g. name, email) to event sponsors who, subject to your consent, may contact you for their own advertising and marketing purposes.
Advertising & Marketing
We use the personal data you provide us and which we collect from you to inform you about similar products and services which we provide. We may send you marketing communications that are sponsored by our partners and which are targeted to your interests based on information you have provided us such as job title, employer and/or industry. If you have consented to receive information from other Euromoney group companies, we may share your personal data with these companies so that they can fulfil your request to receive marketing materials in accordance with your preferences. We will not share your personal data with any third parties for their own marketing purposes unless you have provided your consent.
Each of the Euromoney group companies that may contact you is a data controller in relation to the personal data that you have agreed to share with them. If you have any questions or concerns, you may contact the individual company, or us – using the contact details set out in the “Who We Are” section.
You can opt out from receiving such materials at any time.
The personal data we may use for advertising and marketing purposes includes your name, email address, job title, phone number, company name/employer, geo location, postal address and data collected using cookies and other similar technology (Please read our separate Cookies Policy to find out more about which cookies we use, how they work and how you can control your cookie options).
Marketing materials are sent electronically, by post and we may occasionally call you.
Online Targeted Advertising
We use targeted advertising on our websites to display advertisements that are relevant to what we believe are your interests. In order to deliver relevant advertisements, we use third parties to deliver cookies that collect information about your IP address and how you interact with our sites (e.g. browsing information, which articles you have read etc.). This data is used by the third parties to determine which advertisements may be of interest to you.
We may also share your personal data with third parties to deliver targeted advertising to you on other websites (e.g. Twitter Tailored Audiences or Facebook Custom Audiences). This could include your email address, cookie data, and information obtained from third parties. Third party cookies may also be used to enable us to target advertisements to you on other websites that you visit.
Lead Generation and Scoring
We occasionally use the services of trusted third parties in order to ensure that the personal data we use for advertising and marketing purposes is accurate and up-to-date. To do this, we transfer personal data of individual leads (such as name, email, job title, location and phone number) to these third parties who conduct research to verify the data – primarily against public information.
We also use algorithmic software technology to help us improve the quality and relevance of marketing activities. The personal data analysed by the software includes email address, phone number, job title, address, purchase history and account information. This allows us to provide meaningful offers that are relevant to your specific profile.
Surveys, Market Research & Customer Feedback
We want to understand the needs of our readers and customers. We may therefore use the information you provide us – including your name and contact details – to contact you to request your feedback, or to participate in our customer and market research.
Public forums, message boards and blogs
Some of the pages on our group websites may include message boards, blogs or other facilities for generating content from users. Any information that is disclosed in these areas becomes public information and you should always be careful when deciding to post any personal data. User generated content is also subject to our site Terms & Conditions.
Business or Asset Sale
If we sell a business or assets we may need to disclose your personal data to the prospective buyer of such business or assets.
If Euromoney, or any of our group companies is sold or sells our assets or is acquired by a third party, then personal data about our customers will be acquired by that third party. A transfer of your personal data in these circumstances would be necessary so that the services you have contracted for can still be delivered, or so that you can continue to enjoy the benefits of our free products and services. You will receive notice if a new controller assumes responsibility for your personal data.
Additional Third Party Disclosures
We may disclose your personal data to other third parties in the following situations:
- To third party partners who help us by providing services such as technology, marketing, advisory or other services. These third parties only receive encrypted data and may only process personal data to provide those services to us.
- Where we are required by law or regulation to do so. In each case we will seek, where practicable, to minimise the amount of data that is disclosed.
- If required to protect the rights and interests of other users and/or Euromoney and its affiliates (including our employees, agents and contractors), or as otherwise set out in our Terms & Conditions. This may include exchanging information with other companies and organisations for the purposes of fraud protection.
We may include small pixel tags (small image files) within the emails we send you in order to determine whether our emails are opened and/or whether the hyperlinks inside our emails are clicked through. We may also collect browser, location and the device used to engage with our email communications. This information allows us to better understand whether we are meeting our users’ needs and how we can improve our communications. No other information is collected. You can opt out of receiving our direct marketing emails either by following the instructions in each email, or by contacting us (see the “Who We Are” section of this Privacy Notice).
Some of the Euromoney group companies are based outside the European Economic Area (EEA). If you have consented to being contacted by our group companies, then the transfer of your personal data will be made according to the terms of an international data sharing agreement that contains obligations approved by European data protection regulators. Any of our group companies that receive your personal data will be co-controllers of that data, which means they may determine how they process your personal data – although they may only use it for the purposes for which it was shared, unless you are informed of new or additional processing activities.
We may also transfer personal data to third party service providers as described in this Privacy Notice which are located outside the EEA. Where we conduct these transfers, we take all steps necessary to ensure that your data is treated securely and in accordance with applicable privacy legislation, either by only sending your personal data to jurisdictions that provide an adequate degree of legal protection for your data or by imposing approved contractual terms on these third parties.
We have a data retention policy that ensures we don’t use or store your personal data for longer than necessary. We consider the following issues to determine retention periods:
- Guidance from the UK Information Commissioner or other regulatory agency, or industry best practice recommendations;
- The business rationale for collection and expiry of the purpose for which personal data was collected;
- Our ongoing ability to ensure the accuracy of the data; and
- Legal and regulatory requirements.
We may occasionally need to keep personal data for either shorter or longer periods than specified in our retention policy. In such circumstances, application of the retention period to the data will be temporarily suspended. The suspension of an applicable retention period will be carried out in a manner that respects the rights and interests of all persons concerned.
You can use our Preference Centre to select the topics that are of interest to you so that we can send you publications and information about our products and services that are especially relevant to you. You can also choose the channels we use to contact you (email, phone, post, etc.) and can also opt-out of receiving marketing communications.
You have certain rights in relation to your personal data which include the following:
Access & Portability
You may request access to any personal data of yours for which Euromoney is responsible as controller. Unless there are legal or regulatory reasons for not doing so, we will confirm whether we process any of your personal data and if we do, we will provide you with the following information: the purposes of the processing, the categories of personal data, any recipients of your personal data, the applicable retention period and the data source. Copies of your personal data will be made available to you in a structured, machine-readable format.
You may also request that we transfer the personal data that you have submitted to us, to another controller, where it is technically feasible for us to do so.
If you have consented to our processing of your personal data, or if we are processing your personal data in order to fulfil our contractual obligations to you, then you can submit a request that we transfer your personal data to another data controller.
Rectification, Restriction, Objection
You have the right to request that Euromoney rectify any errors in the personal data that we process. In some circumstances, you may also be able to ask for the erasure of personal data, and/or request that the processing of your personal data be restricted. You may also object to the processing of your personal data for sales or marketing purposes.
How to Exercise Your Rights
To exercise any of these rights, please contact us by post or email at the following addresses:
Euromoney Institutional Investor PLC
8 Bouverie Street
London, EC4Y 8AX
Web form: Complete Subject Data Request Form
We may need to check your identity prior to processing a request.
Euromoney will do our best to respond to any questions and address any of your concerns. You are also able to register any complaints regarding the processing of your personal data directly with the UK Information Commissioner.
Euromoney is committed to keeping your personal data secure and we will take appropriate technical and organisational measures to protect your personal data from loss, unauthorised use, disclosure or destruction. Although we do our best to protect your personal data, we cannot guarantee that any transmission of data is without risk. We have therefore implemented information security policies and rules, staff training on information security, and technical measures to ensure the integrity of data that we have under our control.
All our employees, contractors and data processors (i.e. those third parties that process personal data on our behalf) are required to keep such data confidential and not to use it for any purpose other than the performance of services we have requested.
Our site may contain links to other websites – including, for example, providers of payment processing services. Euromoney is not responsible for the privacy and data collection practices of third party sites and we therefore recommend that you review the privacy policies and terms of service of each site you visit.
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