Private Lending (7) – LTV?

Continuing from the last post, we’ve roughly covered the underwriting process. However, the most crucial aspect is the final calculation. What exactly are we calculating? At the heart of it all is calculating the LTV (loan-to-value ratio) and the property’s debt ratio, which is essentially (existing debts on the property + applied loan amount) divided by the property’s market value. Let’s illustrate with an example. Suppose a property is assessed to have a market value of $1 million, with an existing bank loan of $600,000. If the homeowner applies for a second loan of $100,000, then the LTV would be...

Private Lending (8) – What to Calculate?

Continuing from the last post, after all the underwriting, what truly matters in the end is LTV. If the results are favorable, even if there are additional debts on the property, various plumbing issues, low credit scores, or if the property is located in a remote area, which most people would immediately reject, it’s still possible to proceed with the application. Conversely, if the calculated results are unfavorable, even with a credit score over 800, a desirable property location, good property condition, and stable homeowner income, the application cannot be approved. Why is that? Let’s delve into what needs to...

Private Lending (9) – Two Proprietary Algorithms

This time, we’re going to talk about two proprietary algorithms we’ve developed internally to better underwrite deals. In addition to the LTV discussed in the previous section, we also calculate two other things: a power of sale/foreclosure cushion and the homeowner’s repayment ability. It’s highly likely that nobody uses our methods to calculate these two things, but we absolutely must use our own methods and adjust our underwriting conclusions based on the results. Calculating these two factors involves gathering a lot of data discussed in the previous sections, ultimately leading to conclusions about whether to lend, how much to lend,...

Private Lending (10) – Disappeared Borrower

我不知道大家还记不记得，我分享的第一个系列是让我很早就躺平了的路子-Legal Lending，新粉可以去看看”1-我是怎么躺平的“那个合辑，路子方法操作都写干写尽了。在那个之后，我写了一个关于美国拍卖的路子，只有四集，很短，因为第一次去现场就没有然后了，细节也写出来了，最后结论是此路不通，但还有另一条路，要等时间到了再继续分享。所以之前没写完的美国拍卖系列，这周复活！原因是捡钱的机会这周到了，大概持续到这个月底。因为时间比较紧，只有两周左右的时间，我大概率无法按时写完，感兴趣的薯粉们也会错过实操的时间窗口，所以想先喊一声：看了这个帖子的，有没有感兴趣想直接干的，有的话邮件也好，留言也好，私信也好，反正人多的话我会考虑搞个能分享屏幕，类似直播的活动，直接演示我自己的操作，播出整个搞钱过程，想自己干的可以直接抄作业就行。

Private Lending (11) – Forbes-Recognized Borrower

Private Lending (12) – Lend to Friends?

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Private Lending

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