Resources for Lenders

Loan Sale vs. Foreclosure Calculator — Present value of selling now vs. carrying to foreclosure, and the breakeven price.
OREO Carrying-Cost Calculator — What lender-owned real estate costs to hold, per year and over the hold.
Who Buys Non-Performing CRE Loans? — The four types of buyer and how to choose.
How to Sell a Commercial Loan — The step-by-step process, NDA to close.
How Fast Can a Note Sale Close? — A realistic timeline by path.
Note Sale vs. Workout vs. Foreclosure — A decision framework for special assets.
How Buyers Price a CRE Loan — What drives the bid, and price vs. unpaid balance.
“No Re-Trade” Explained — What it means and questions to ask any buyer.
What Is a Discounted Payoff (DPO)? — How a DPO works and when it beats foreclosure.
Criticized & Classified Assets — Special mention, substandard, doubtful, loss — and the options.
Loan-Tape Checklist — What to send for a confidential review.
Loan-Sale Glossary — Plain-English definitions: NPL, DPO, OREO, CECL, and more.
Selling Before Foreclosure — Convert to cash and transfer the time and cost.
Maturity-Default Loans — Resolving a loan that cannot refinance at maturity.
Sub-Performing Loans — Paying but impaired — why lenders sell them.
Why Banks Sell Performing Loans — Non-core and concentration exits.
Selling OREO / REO — Off-market vs. listed for lender-owned real estate.
Direct vs. Loan-Sale Process — When each path serves the lender better.
Credit Union Loan Sales — Single credits, MBL caps, classified assets.
Community Bank Playbook — Clean the book before the exam.
Private Debt Fund Exits — IRR, fund-life, and preferred-return timing.
Office Loans — Pricing office credits in a higher-rate market.
Hotel / Hospitality Loans — Underwriting the going concern.
Multifamily Loans — Bridge and value-add credits that cannot refinance.
Retail / Shopping Center Loans — Pricing tenancy, co-tenancy, and re-lease risk.
Industrial / Warehouse Loans — Financial stress in a strong asset class.
Land & Construction Loans — Completion risk and the 100% concentration screen.
Mixed-Use Loans — Pricing a blended, multi-component asset.
Recourse vs. Non-Recourse — What transfers with the note, and how it affects price.
Selling a Participation — Exiting a participation interest.
Note Sale vs. Deed-in-Lieu — Exit vs. taking title to the property.
Loan Sale vs. Receivership — Control vs. a clean cash exit.
Confidentiality in a Loan Sale — NDAs, no public marketing, no borrower contact.
All-Cash Loan Buyer — No financing contingency; certainty of close.
Tax & Accounting Overview — HFI to HFS, loss recognition, CECL.
The 2026 Maturity Wall — Why so many loans can't refinance — and what to do.
Loan-Sale Data Room — What to assemble for fast, firm diligence.
Foreclosure Timelines by State — Judicial vs. non-judicial, and what it means for hold-vs-sell.
CRE Distress Statistics — Debt outstanding, maturities, delinquency — with sources.
The 2026 Maturity Wall — Why so many loans can't refinance — and what to do.
Selling a Loan in Texas — Fast, non-judicial — what it means.
Selling a Loan in California — Non-judicial trustee's sale, ~4 months.
Selling a Loan in New York — Judicial and slow — 1–3 years.
Selling a Loan in Florida — Judicial — ~8–14+ months.
What Is OREO? — Lender-owned real estate, defined.
What Is Non-Accrual? — When a loan stops earning.
What Is a Loan Tape? — The dataset that prices a credit.
What Is CECL? — Lifetime expected-loss reserving.
What Is a Substandard Loan? — A classified credit, defined.
What Is a Deed-in-Lieu? — Conveying title to avoid foreclosure.
What Is a BPO? — Broker price opinion, defined.
What Is a Credit Bid? — A secured creditor bidding its debt.
Embed Our Calculators (Free) — Free CRE calculators to drop into your own site.
Self-Storage Loans — A resilient asset class — usually financial, not fundamental, stress.
Senior Housing / Assisted-Living Loans — Operating, licensed credits priced to the going concern.
Selling a Loan in Georgia — Fast non-judicial — first-Tuesday sale.
Selling a Loan in Arizona — Non-judicial trustee's sale, ~90+ days.
Selling a Loan in Illinois — Judicial with redemption — runs long.
Selling a Loan in New Jersey — Judicial and among the slowest — 1–3 years.
Selling a Loan in Pennsylvania — Judicial — ~9–18 months.
What Is a Note Sale? — Selling the loan itself for a clean cash exit.
What Is UPB? — Unpaid principal balance, defined.
What Is DSCR? — Debt-service coverage ratio, defined.
What Is LTV? — Loan-to-value, and how it drives price.
What Is Special Mention? — The earliest tier of regulatory criticism.
What Is a Doubtful Loan? — A classified credit with a probable loss.
What Is Forbearance? — A temporary payment pause — not a resolution.
What Is a Commercial Short Sale? — Selling the property below the balance, with lender consent.