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(Small Group Meeting for Investors only)
Where are the supplies of notes being found where others aren’t looking? What have you been outsourcing freeing you up to find these hidden notes? What new markets are you looking at? This and your questions will be among the key issues discussed at this discussion for note buyers only.
• Defaults: Will they continue to go in a downward direction?
• Direction of the quantity of banks holding paper
• Non-residential vs. other sector relative value
• The determinants of consumer debt: What is changing?
• When is the best time to invest in a note?
• Where will the next hot US NPL market develop?
• What are your models saying?
• Working with joint venture partners: What are your timeframes and parameters?
• On balance sheet vs. securitization
• Co-bidding on deals
• In this era of over-bidding how are you protecting your downside?
• Are politics impacting your investments?
• Securitization: Do you securitize your notes? Invest in securitized paper?
• Portfolio-level due diligence
• NPL/RPL buying strategy
• Cost and time needed to foreclose: Running your loss mitigation functions and keeping you documents in house vs. outsource?
• Best practices after onboarding a note going through loss mitigation
• Falling off the wagon: How many modifications are enough?
• Evaluating what a debtor can afford: What are acceptable DTI ratios? What is your acceptable ROI?
• Dealing with paper with arrearages
• Eviction vs. foreclosure and keys for cash
• Land contracts and other collateral
• Vacant vs. tenant- vs. owner occupied properties: When do you rent out a vacant property pre- first forecloses?
• Getting everyone on the same page: Aligning interests between servicers, foreclosure, bankruptcy counsel and investors
• State law (judicial vs. non-judicial) impact and regulatory update
• Performance in a recession
• Collateral assignment attached to the note is in case of default
• Considering the local and national economy
• Impact of the time in default and the ability to repay
• Risk vs. return goals
• Firsts vs. seconds; owner occupied vs. rental; loans vs. seller finance. Looking at specific risks and their management
• What level of risk are you willing to take? What investment or situation are you comfortable with?
With optional luncheon roundtables:
- Servicing/Operations/Loss Mitigation
• What kind of assets do you keep in house? Farm out? How does this decision impact staffing?
• What have you taken in house recently? Outsourced? How much time did you free up?
• Onboarding strategies: What have you revamped?
• Who handles curative work and missing trailing docs?
• Statements, reporting, compliance and performance measurement
• Defaulted properties, expected ROI on different rehab strategies & amenities: How is this impacted by for sale to institutions vs. retail vs. hold for portfolio
• Technology and software solutions
• Once a client gets behind payments: PRL & NPL best practices
• When is self-insurance the way to go?
• Market-specific considerations
Brian A. Flaherty
• What are the key due diligence issues that investors should consider in evaluating first and second notes
• When does the clock begin to run? What practical considerations should investors consider regarding jurisdiction-specific statutes of limitation?
• Approach to monitoring and analyzing the market for different assets, and their price volatility
• Best practices for reviewing the title/preliminary report and identifying defects?
• Anti-deficiency laws, judicial v. non-judicial foreclosure requirements: What are the most significant regulatory considerations that investors should consider?
• How do you determine the price you are willing to pay or sell?
• Public vs. private transactions
• What kind of pricing models do you use?
• Role of brokers price opinion
• Pricing execution
• Buyer Post Acquisition Diligence and Price Reduction techniques on the large acquisitions
• Seller rebuttal techniques
• Price modelling pitfalls
• Commercial vs residential; US vs. international; Mortgage vs. non-mortgage commercial notes
• What does it take to play in the government sandbox?
• Which lien won’t give you lean growth prospects?
• Tail investments: How much money can you make?
• Location: Where can you make the most money? How much cheaper do you need to buy in judicial states to make them worthwhile?
• Performing vs. sub-performing vs. non-performing: Which way to go?
• Seller finance and creating notes
• Comparing cure methodologies and bankruptcy regulations
• Loan to flip vs. loan to own
• Finding the best servicer for different assets
• Contracts for Deed, seller financing and creating notes
Michael Soliz Jr
As pools available in the market are increasingly deal clean ups and represent the tail of the investment it is of great importance to discuss this asset type and delve into areas like
• What is the impact if you get the due diligence wrong?
• Evaluating litigated files for unenforceability, fatal liens and title issues
• Second lien and partial tail investments
• The REO option
• Evaluating time, effort and brain damage necessary
• Working with municipalities to cure
• Code enforcement
• Addressing liens
• Property taxes vs. water liens
• Working with HOAs
• Overlooked foreclosure issues
• Fraud-related problems and solutions
• How much do you make on the sale?
• Finding missing documents
• What kind of work do you outsource? Do yourself?
• Mortgage holders performance impact: Will the lack of non-performers continue?
• Growing your own supply
• What kind of price are you willing to pay?
• Where aren’t the larger investors playing?
• What are banks and non-bank originators selling?
• Buying from the government and those who buy from the government
• In what regions are you finding distress?
• Firsts vs. seconds
• At what part of the lifecycle are you looking for your distressed product?
• Heard a lot of funds were closing down
Tracy Z Rewey
• Have you changed your approach? Why?
• Creating notes: Selling your REOs and financing flippers
• Considering time line: Considering judicial vs. non-judicial
• Are losses lower when the lender does not take ownership of the property?
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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.
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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.
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Additional Third Party Disclosures
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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.
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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.
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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
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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.
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